Kelly was born to Charlene Cudzylo and Kevin Kelly, a supermarket manager and younger brother of Pro Football Hall of Fame quarterback Jim Kelly.[1] He spent his early years in Western New York, his mother's home area, not far from where his uncle Jim was playing professional football. Chad Kelly was a consistent strong performer in Punt, Pass, and Kick competitions as a youth,[2] becoming national champion four times. His family moved to Red Lion, Pennsylvania, after Kevin was assigned to a Wegmans in the area, but unexplained disciplinary issues removed Chad from the Red Lion High School football team, and he returned to Western New York.[3]
Regarding Chad's early football career, a football coach once said, "Being Jim Kelly's nephew has been harder for him than it has helped him. A lot is expected of him because he’s Jim's nephew. He was never just 'Chad' or even 'Kevin Kelly’s son.' He was always 'Jim Kelly’s nephew.'"[3]
Kelly was redshirted his first year at Clemson in 2012.[9] As a freshman in 2013, he appeared in five games, passing for 58 yards and rushing for 117 yards with a touchdown.[10] In April 2014, Kelly was dismissed from Clemson's football team due to conduct detrimental to the team.[11]
Kelly played in his first game with Mississippi on September 5, 2015, against UT Martin and completed 9 for 15 pass attempts for 211 yards and two touchdowns while adding a 20-yard rushing touchdown.[18] On September 19, 2015, he led Ole Miss to its second victory ever at Tuscaloosa. In the 43–37 victory over No. 2 Alabama, he completed 18 out of 33 passes for 341 passing yards and 3 passing touchdowns.[19] On November 7, 2015, Kelly accounted for 478 total yards and six touchdowns against Arkansas. Although he completed 24-of-34 passes for 368 passing yards and three passing touchdowns, Mississippi lost to Arkansas, 53–52, in overtime.[20] The following week, he threw two touchdown passes and rushed for two touchdowns in a 38–17 victory over No. 15 LSU.[21] On January 1, 2016, he helped lead Ole Miss to a 48–20 victory over No. 16 Oklahoma State in the 2016 All-State Sugar Bowl.[22] He won Sugar Bowl MVP Honors after accounting for 21 completions out of 33 passes for 302 passing yards, four touchdowns, and one interception. Kelly also led the team with 73 rushing yards on 10 carries. His 4 passing touchdowns tied a Sugar Bowl record and were most ever by a Rebels' quarterback in the Sugar Bowl.[23]
Kelly finished his first season with Ole Miss with 298 of 458 (65.1%) completions for 31 touchdowns and 13 interceptions. He also accounted for 10 rushing touchdowns while appearing in all 13 games.[24] While finishing the season with a 10–3 record, he became the first Ole Miss quarterback to lead the Rebels with victories over Alabama, Auburn, and LSU in the same season.[25][26]
Kelly returned for his senior season in 2016. On November 5, 2016, Kelly suffered an injury during a 37–27 victory over Georgia Southern.[27][28] The following day, it was reported that he would miss the rest of the season due to a torn ACL and a torn lateral meniscus.[29] On February 16, 2017, the NFL rescinded an offer previously made to Kelly to participate in the NFL Scouting Combine.[30]
Going into mini-camps for the 2018 season, he would compete with 2016 first-round draft pick Paxton Lynch for the backup quarterback role behind newly acquired Case Keenum. On August 13, 2018, Kelly was promoted to second-team to act as Keenum's backup.[35][36] In Week 6 of the 2018 season, Kelly appeared in his first NFL game, kneeling for a one-yard loss at the end of the first half.[37]
On October 24, 2018, the Broncos released Kelly following his arrest on suspicion of first-degree criminal trespassing.[38] He allegedly entered a couple's place of residence after leaving teammate Von Miller’s Halloween party.[39] On March 20, 2019, Kelly pleaded guilty to misdemeanor second-degree criminal trespassing for the incident.[40]
Indianapolis Colts
On May 20, 2019, Kelly signed with the Indianapolis Colts.[41] He was suspended the first two games of the 2019 season for violating the NFL's personal conduct policy.[42] After being reinstated from suspension, he was waived on September 18, 2019.[43] He was re-signed to the team's practice squad the next day.[44] He was promoted to the active roster on November 9, 2019.[45]
On September 5, 2020, Kelly was waived by the Colts and signed to the practice squad the next day.[46][47] He was released on September 30.[48]
After being released from the Colts, Kelly temporarily stepped away from his professional playing career and returned to East Mississippi where he briefly worked as an offensive coach.[49]
Toronto Argonauts
On February 11, 2022, Kelly signed with the Toronto Argonauts of the Canadian Football League (CFL).[50] In the Argos first preseason game Kelly completed seven of 12 pass attempts for 78 yards.[51] He completed eight of 15 pass attempts in his second preseason game, throwing for 85 yards with one touchdown and one interception.[52] The Argos released Antonio Pipkin as part of the team's final roster cuts, which promoted Kelly to the role of backup quarterback to veteran McLeod Bethel-Thompson to begin the 2022 season.[53][54] Kelly served as the backup quarterback for the entire season before being named the team's starting quarterback for the Argo's final match of the regular season.[55][56] In the 109th Grey Cup, after Bethel-Thompson injured his throwing hand in the fourth quarter, Kelly came off the bench with the Argos trailing 23–17 and helped lead them to a 24–23 win against the Winnipeg Blue Bombers.[57] He completed four of six passes for 43 yards and rushed twice for 21 yards, including a 20-yard run to convert a second and 15 on the team's game-winning touchdown drive.[58]
Kelly started the Argos 2023 campaign as the starting quarterback, with a 32–14 win over the Hamilton Tiger-Cats.[59] On August 31, 2023, Kelly and the Argos agreed to a three-year contract extension worth a total of $1.865 million, making him the highest paid player in the league.[60][61] The team would go 16–2 though lost to the eventual champion Montreal in the East final. Following the season Kelly won the CFL's Most Outstanding Player Award.
On May 7, 2024, the CFL announced that Kelly was suspended for at least nine games after an investigation into allegations made against him and the Argonauts by a former strength and conditioning coach.[62] On August 18, he was reinstated by the CFL on a "last-chance agreement" that requires him to follow a number of confidential conditions.[63] Kelly played in nine games for the Argonauts, starting in eight, where he had 175 completions, 2,451 yards, 10 touchdowns, and eight interceptions.[64] In his first playoff start since his disastrous playoff starting debut in 2023, Kelly completed 18 of 20 passes for 358 yards and four touchdowns, for an uncapped passer rating of 218.3, which was the second highest of any CFL game ever.[65] In the East Final game against the Montreal Alouettes on November 9, Kelly was involved in a play in which Isaac Adeyemi-Berglund fell on his right leg, resulting in tibia and fibula fractures.[66] He subsequently underwent surgery to repair the fractures and was given a recovery timetable of roughly six months.[67] In his absence, Nick Arbuckle started the 111th Grey Cup where the Argonauts defeated the Blue Bombers and Kelly won his second championship.[68]
In December 2014, Kelly was arrested following an altercation outside of a Buffalo, New York, nightclub in which he fought with bouncers and resisted arrest. Criminal charges were dropped in exchange for his plea of guilty to disorderly conduct, and he was ordered to complete fifty hours of community service.[71]
In early 2024, Kelly was named in a wrongful dismissal lawsuit by a former Toronto Argonaut coach, with allegations that Kelly had made attempts of "unwanted romantic advances and escalating into instances of threatening language" leading to the coach’s dismissal upon reporting the incidents. The lawsuit prompted a denial by Kelly and a league investigation.[72]