KeyBank Latitude® Credit Card
Low APR credit card for easier debt management.
The KeyBank Latitude® card provides flexibility to pay for things you need, while you manage your balance and budget over time. Pay down debt with our no-annual-fee card.1 Get a 0% intro APR for first 15 billing cycles on all purchases after account opening, and a 0% introductory APR for first 15 billing cycles on all balance transfers made within the first 60 days after account opening. After that, your variable APR will be 18.74% to 25.74% based on your creditworthiness.
Overview
| 0% Introductory APR for 15 Billing Cycles | 0% introductory APR for first 15 billing cycles on all purchases after account opening. 0% introductory APR for first 15 billing cycles on all balance transfers made within the first 60 days after account opening. After that, the APR will be 18.74% to 25.74% based on your creditworthiness.1 |
|---|---|
| Regular APR |
Variable |
| Annual Fee | $01 |
| Balance Transfer Fee | $10 or 4% of the amount of each transaction, whichever is greater. |
| Late Payment Fee |
Up to $40 |
| Overdraft Protection Transfer Fee | $0 |
| Minimum Interest Charge |
$0.50 |
Features and Benefits of the KeyBank Latitude Credit Card
0% Intro APR for 15 billing cycles
Finance large or unexpected expenses, transfer higher-interest debts, or consolidate bills into one payment. Having a low introductory APR can help you juggle fewer bills, save money, or pay down debt faster.
Low regular APR
If you carry a balance on your card from month to month, you’ll spend less on interest with a low-APR card, so you can more affordably manage your budget, handle large or unexpected expenses, and pay down your debt over time.
Revolving credit with savings
Save with a low APR as you borrow and repay money as often as you need to within your credit limit.
Credit score tracking
Opt in to view your FICO® Score anytime in KeyBank online banking without impacting your credit score.2
Mastercard benefits®
Enjoy all the Key Latitude Mastercard benefits including ID Theft Protection™, Zero Liability Protection,3 and more.
Convenient technology
Take advantage of contactless technology to make quick and secure payments — just Tap and Go®.
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You’ll need about 5 minutes, your Social Security number, and a valid form of primary identification with photo and signature, like a driver’s license, passport, or government-issued ID.
Frequently Asked Questions about the KeyBank Latitude Credit Card6
Transferring balances is easy with a Key Latitude credit card. You’ll need the relevant information about the balances you’re transferring to your card, such as the account number and payment amount.
You can request balance transfers as part of your credit card application, which will be subject to approval. Or, if you already have a KeyBank Latitude credit card, you can request balance transfers in online banking, in a branch, or by calling 1-800-KEY2YOU® (1-800-539-2968); Dial 771 for TTY/TRS.
Here’s how to transfer balances online:
- Sign on to KeyBank online banking.
- Go to your Key Latitude credit card.
- Select Balance Transfer and follow the prompts.
You can make as many as six separate balance transfers at a time to your KeyBank Latitude credit card, and each balance must be at least $100.
The total amount of balance transfers, including fees, must not exceed the amount of credit you have available at the time. For existing card holders, this amount will be on your statement as Available Balance. If the balance transfer is requested when you apply for a KeyBank Latitude credit card, the maximum balance transfer total is 90% of the approved credit line.
Balance transfers can take up to 10 business days to post to your account.
Yes. You cannot transfer any balances owed to KeyBank, for example a balance on another KeyBank credit card or a KeyBank loan, to your KeyBank Latitude credit card.
The 0% introductory APR does not apply to cash advances and is valid for the first 15 billing cycles on purchases and balance transfers. Thereafter, the APR may vary. Currently the undiscounted variable APR for Purchases and Balance Transfers is 18.74% to 25.74% (depending on your creditworthiness). Balance transfers must be made within 60 days of account opening for introductory APR to apply. The variable APR for Cash Advances is 27.74%. Cash Advance fee: 5%, $10 minimum. Convenience Check fee: 4%, $10 minimum. Cash Equivalent fee: 5%, $10 minimum. Balance Transfer fee: 4%, $10 minimum. Overdraft Protection Transfer fee: $0. There is a $0.50 minimum finance charge where interest is due. Foreign Transaction fee: 3% of each foreign purchase transaction in U.S. dollars. Transactions originating in Canada are excluded from this fee. Refer to Terms & Conditions.
Clients with newly opened credit card accounts may not see their first FICO® Score in online and mobile banking for up to 90 days after enrollment. In certain circumstances, a FICO® Score may not be available for various reasons, e.g., having a limited credit history. FICO is a registered trademark of Fair Isaac Corporation in the United States and other countries.
Please see terms and conditions which can be found at mastercard.us/zeroliability.
Subject to terms and conditions in Service Agreement.
Message and Data rates may apply from your wireless carrier.
This page contains Mastercard benefits available for new credit card clients. If you already have a KeyBank credit card, your Mastercard benefits may be different from those listed above. Please refer to documents you received when you opened your account or call 1-800-MC-ASSIST for more information.
The creditor and issuer of this credit card is KeyBank N.A., pursuant to a license from Mastercard International Incorporated. Mastercard and Tap & Go are registered trademarks, and the circles design is a trademark of Mastercard International Incorporated.
View the Cardmember Agreement and Rewards Terms and Conditions for full terms of the offer.
All credit products are subject to credit approval.
