KeyBank Latitude Credit Card review September 2018 |

KeyBank Latitude® Credit Card review – September 2018

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A no-annual-fee card with a long intro APR on balance transfers and purchases, and low APR after.

30-seconds take

  • 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 NameKeyBank Latitude® Credit Card
Card TypeMastercard
Annual Fee$0
APR (Annual Percentage Rate) for Purchases11.74% to 21.74% variable
Introductory Purchase APR0% 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 Rate25.74% variable
Cash Advance Fee$10 or 4% of the cash advance amount, whichever is greater
Foreign Transaction Fee3% of the transaction value
Interest Free PeriodUp to 25 days
Minimum Interest$0.5
Late Payment Fee$37
Additional Cardholder Fee$0
Minimum Age18 years of age

The basics

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.

The perks

  • 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.

  • Shopping perks.

    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 …

Compare 0% APR credit cards

Updated September 24th, 2018
Name Product Introductory Purchase APR Intro Purchase APR Period APR (Annual Percentage Rate) for Purchases
15 months
14.74% to 25.74% variable
Earn 10,000 Membership Rewards® Points after you use your new Card to make $1,000 in purchases in your first 3 months.
15 months
14.74% to 25.74% variable
Snag a $150 bonus statement credit after you spend $1,000 in the first 3 months
12 months
14.74% to 24.74% variable
15,000 Membership Rewards points after you spend $1,000 in the first 3 months of opening your account
12 months
14.74% to 25.74% variable
Earn $200 bonus cash back after you spend $1,000 in the first 3 months
14 months
13.74% to 24.74% variable
Earn 5% cash back in rotating categories each quarter like gas stations, restaurants,, wholesale clubs and more, up to the quarterly maximum each time you activate. Plus unlimited 1% cash back on all other purchases.
18 months
15.74% to 25.74% variable
This is the only card with No Late Fees, No Penalty Rate and No Annual Fee - Ever. Give it a try and apply to find out what the Citi Simplicity® Card can do for you.
15 months
16.74% to 25.49% variable
Jumpstart your financial fitness! 60 day introductory balance transfer offer, save on interest, and get your free monthly credit score.
12 statement closing dates
16.74% to 24.74% variable
An intro offer rewards cardholders with a $250 value (25,000 online bonus points) after spending $1,000 within the first 90 days of account opening
12 months
13.74% variable
A low, variable APR on purchases, balance transfers and cash advances.

Compare up to 4 providers

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

  1. Go to the KeyBank website and find the KeyBank Latitude® Credit Card. Click Apply now.
  2. If you’re a current KeyBank customer, select Save time. If you’re a new customer, select Start a new application.
  3. Complete the application with your personal and financial details.
  4. 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.

Bottom line

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


Kevin Joey Chen

Kevin Chen is a world-travelin', copy-writin', Game of Thrones-watchin' credit cards writer for When he's not crunching the numbers on bonus points and comparing APRs, you can find him flying around the world in search of the perfect beer.

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