KeyBank Latitude Credit Card review | finder.com

KeyBank Latitude® Credit Card review – November 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 FeeUp to $0
APR (Annual Percentage Rate) for Purchases11.99% to 21.99% variable
Introductory Purchase APR0% for the first 15 monthly billing cycles (then 11.99% to 21.99% variable)
Introductory Balance Transfer APR 0% for the first 15 monthly billing cycles (then 11.99% to 21.99% variable)
Balance Transfer Fee$10 or 3% of the transaction, whichever is greater
Cash Advance Rate25.99% variable
Foreign Transaction Fee3% of the transaction value
Cash Advance Fee$10 or 4% of the cash advance amount, whichever is greater
Interest Free PeriodUp to 25 days
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 21.99% 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 November 14th, 2018
Name Product Introductory Purchase APR Intro APR for Balance Transfer APR (Annual Percentage Rate) for Purchases
0% for the first 15 months (then 14.99% to 25.99% variable)
0% for the first 15 months (then 14.99% to 25.99% variable)
14.99% to 25.99% variable
Earn a $150 bonus statement credit after you spend $1,000 on purchases in the first 3 months. Rates & Fees
0% for the first 15 months (then 14.99% to 25.99% variable)
0% for the first 15 months (then 14.99% to 25.99% variable)
14.99% to 25.99% variable
Earn up to $250 back. Earn $150 back after you spend $1,000 or more in purchases with your new card within the first 3 months of Card Membership. Plus, earn an additional $100 back after you spend an additional $6,500 in purchases within your first 12 months. You will receive the cash back in the form of a statement credit. Rates & Fees
0% for the first 18 months (then 12.99%, 16.99% or 20.99% variable)
0% for the first 18 months (then 12.99%, 16.99% or 20.99% variable)
12.99%, 16.99% or 20.99% variable
An 18-month 0% Intro APR period on both purchases and balance transfers, plus zero foreign transaction fees, makes this is a strong well-rounded card. See Rates and Fees
0% for the first 15 months (then 14.99%, 18.99% or 24.99% variable)
14.99%, 18.99% or 24.99% variable
Earn unlimited 1.5% cash rewards on purchases. See Rates and Fees.
0% for the first 12 months (then 14.99% to 25.99% variable)
0% for the first 12 months (then 14.99% to 25.99% variable)
14.99% to 25.99% variable
Earn $200 bonus cash back after you spend $1,000 on purchases in the first 3 months. Rates & Fees
0% for the first 12 billing cycles (then 13.99% variable)
13.99% variable
A low, variable APR on purchases, balance transfers and cash advances.
0% for the first 12 months (then 15.99% to 25.99% variable)
0% for the first 21 months (then 15.99% to 25.99% variable)
15.99% to 25.99% variable
The Best Interest Is No Interest. Take advantage of our low Intro APR for 21 months on balance transfers and for 12 months on purchases with the Citi Simplicity® Card.
0% for the first 20 billing cycles (then 11.99% to 23.99% variable)
0% for the first 20 billing cycles (then 11.99% to 23.99% variable)
11.99% to 23.99% variable
Special 0% introductory APR* on purchases and balance transfers for the first 20 billing cycles and after that, a variable APR, currently 11.49% - 23.49%,* based on your creditworthiness.
0% for the first 15 months (then 14.99% to 25.99% variable)
0% for the first 15 months (then 14.99% to 25.99% variable)
14.99% to 25.99% variable
Earn 10,000 Membership Rewards® Points after you use your new card to make $1,000 in purchases in your first 3 months.
0% for the first 14 months (then 13.99% to 24.99% variable)
0% for the first 14 months (then 13.99% to 24.99% variable)
13.99% to 24.99% variable
Earn 5% cash back in rotating categories each quarter like gas stations, restaurants, Amazon.com, wholesale clubs and more, up to the quarterly maximum each time you activate. Plus unlimited 1% cash back on all other purchases.
0% for the first 15 months (then 16.99% to 25.74% variable)
0% for the first 15 months (then 16.99% to 25.74% variable)
16.99% to 25.74% variable
Jumpstart your financial fitness! 60 day introductory balance transfer offer, save on interest, and get your free monthly credit score.

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

Images: KeyBank.com

Kevin Joey Chen

Kevin Chen is a world-travelin', copy-writin', Game of Thrones-watchin' credit cards writer for finder.com. 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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