A no-annual-fee card with a long intro APR on balance transfers and purchases, and low APR after.
- Get this card if you want an intro APR period on purchases and balance transfers.
- Pick something else if you want cash back.
- Apply with a good to excellent credit score of 680 or higher.
|Product Name||KeyBank Latitude® Credit Card|
|APR (Annual Percentage Rate) for Purchases||11.74% to 21.74% variable|
|Introductory Purchase APR||0% for the first 15 monthly billing cycles (then 11.74% to 21.74% variable)|
|Introductory Balance Transfer APR||0% for the first 15 monthly billing cycles (then 11.74% to 21.74% variable)|
|Balance Transfer Fee||$10 or 3% of the transaction, whichever is greater|
|Cash Advance Rate||25.74% variable|
|Cash Advance Fee||$10 or 4% of the cash advance amount, whichever is greater|
|Foreign Transaction Fee||3% of the transaction value|
|Interest Free Period||Up to 25 days|
|Late Payment Fee||$37|
|Additional Cardholder Fee||$0|
|Minimum Age||18 years of age|
The KeyBank Latitude® Credit Card comes with two main benefits: a long intro APR period on balance transfers and purchases, and no annual fee.
Following that intro period, you may also get a low APR if you’ve got an excellent credit score. Even with its pluses, it’s a relatively simple credit card. For rewards and extensive benefits, you may want to look into other options.
Intro APR period.
Get a 0% intro APR period on purchases and balance transfers for 15 billing cycles following your account opening. After that, a variable APR of 11.74% to 21.74% will apply. This may not be the longest intro APR period we’ve seen, but it’s longer than what most other cards offer.
No annual fee.
You’ll get the card without paying an annual fee.
You’ll also like …
No penalty APR.
There’s only a penalty fee if you make late or returned payments. With other cards a single late or returned payment may land you with a fee and a penalty APR of up to 30%. What’s worse is the penalty APR can last indefinitely.
Receive partial reimbursement if you find a lower price on an item you purchased with your card. You can also get extended warranty on select items you buy with your card.
Identity theft services.
KeyBank can assist you if you become a victim of ID theft by providing credit bureau notification, card replacement, affidavits and additional services.
Mastercard® Travel Services™.
Get room upgrades, complimentary amenities and other perks.
What to watch out for
Potentially high APR.
If you have a weak credit history, KeyBank may extend a relatively high APR — up to 21.74% variable.
Balance transfer limits.
To get the intro APR period on balance transfers, make sure you complete all your transfers within 60 days of card membership.
Foreign transaction fee.
Every time you use your card when traveling abroad, you’ll pay a 3% fee. This may not seem like much, but it can add up quickly over a trip spanning several days.
Consider other cards if …
You want a similar card from another bank.
The BB&T Bright® Credit Card offers a long intro APR period on balance transfers and purchases, and a low APR after that.
You want cash back.
If you want unlimited cash back on all purchases, the Cash Magnet™ Card from American Express, the Chase Freedom Unlimited® credit card and the U.S. Bank Cash 365™ American Express® Card offer 1.5% cash back on everything you buy.
For higher cash back on groceries and gas, the Blue Cash Preferred® Card from American Express could be a better choice. To get high cash back on dining, travel, online purchases and Uber drives, the Uber Visa Card would be more useful.
Compare 0% APR credit cards
How does a balance transfer work with this card?
You can make balance transfers in a KeyBank branch, by calling 1-800-539-2968 or through your online and mobile banking tools.
To get the 0% intro APR period on balance transfers for 15 billing cycles following your account opening, complete your transfers in the first 60 days of card membership. After that, your APR will be 11.74% to 21.74% variable.
For each transfer you make, you’ll pay a fee of $10 or 3% of the transaction, whichever is greater. This means a balance transfer of $3,000 would cost you $90 in fees.
Know that KeyBank won’t accept transfers from accounts that they or their affiliates have issued to you.
What should I know before I apply?
To apply for the card, you must be at least 18 years old.
The information you’ll need provide is:
- Your full name and contact information.
- Your residential status.
- Your annual income, source of income and employment information.
- Your Social Security number.
- Driver’s license or government-issued ID.
What credit score do I need?
Apply with a good to excellent credit score of 680 or higher. To get the low APR offered by KeyBank, you need to have an excellent credit score and low credit utilization.
What do customers say about the KeyBank Latitude® Credit Card?
KeyBank earns an A+ rating from the Better Business Bureau, which accredited it back in 1933. Most customer complaints at BBB are related to hidden fees. To avoid a similar experience, make sure you read the card’s agreement and the fine print.
How to apply for the KeyBank Latitude® Credit Card
- Go to the KeyBank website and find the KeyBank Latitude® Credit Card. Click Apply now.
- If you’re a current KeyBank customer, select Save time. If you’re a new customer, select Start a new application.
- Complete the application with your personal and financial details.
- Review and submit your application.
How long will it take to get my KeyBank Latitude® Credit Card?
Automated preapproval means that you’ll likely get a decision within a minute. If additional information is needed, KeyBank will send you a response within a few business days to a few weeks.
Once approved, expect your card to arrive in the mail within 7 to 10 business days.
I got the card. Now what?
- Download KeyBank Mobile app. With it, you can transfer funds between KeyBank accounts, schedule bill payments and send them right away, locate a KeyBank branch nearby, find an ATM and more.
- Avoid interest. Your grace period is 25 days after the close of each billing cycle. If you pay your balance by then, you won’t pay interest on your purchases.
- Avoid fees. Late payments come with fees of up to $37. Balance transfers and cash advances also come with fees.
- Contact customer service. If you have questions, contact KeyBank support at 1-800-539-2968. You can also email or live chat with one of its representatives through its website.
If you’re looking for a long intro APR and a low APR after that, this could be a good card for you. Otherwise, you can check out and compare similar cards to help you find the 0% APR credit card option that’s right for you.
Frequently asked questions