KeyBank Latitude® Credit Card
- Annual fee
- None
- Recommended credit
- Good / Fair
- Card network
- Mastercard
- Intro purchase APR
- 0% for 12 months from account opening date
At a glance
With a 0% APR offer for 15 months, the KeyBank Latitude® Credit Card can save you plenty on interest charges.
Our review of the KeyBank Latitude® Credit Card
Looking for a no-frills, low-APR credit card with a lengthy 0% APR introductory offer? The KeyBank Latitude® Credit Card might be the perfect fit for you. With 15 billing cycles of 0% APR on purchases and balance transfers, this card stands out from the competition. Most similar cards only offer 12 interest-free months, making the Latitude® a top choice for those looking to save on interest.
While the 0% introductory APR on balance transfers is a great feature, keep in mind that there may be balance transfer fees and transfers must be made within 60 days of account opening to qualify. However, if you have a good credit score, you could be approved for the card at a low regular APR of around 10%, helping you save even more money compared to other cards
One downside of the KeyBank Latitude® Credit Card is the lack of a rewards program. While it can still be a reliable daily card, earning points or cash back on your purchases would be a nice added benefit. On the bright side, there is no annual fee to worry about, though fees for missed payments or foreign transactions still apply.
If security is a top priority for you, the Latitude® offers a temporary lock feature that allows you to freeze your card if it’s lost or stolen, preventing unauthorized purchases. Overall, the KeyBank Latitude® Credit Card is a solid choice for those looking for a straightforward credit card with a competitive introductory offer and strong security features.
Card features
Benefits as listed on the original card page. They can change; confirm details with the issuer.
- 0% introductory APR on purchases and balance transfers
- Low regular APR on purchases and balance transfers after promotional rate expires
- No annual fee
- Temporary lock feature lets you freeze your card and prevent fraudulent activity if it gets lost or stole
Who this card may suit
- You want a basic, low-rate credit card
- You're planning to carry or transfer a balance and can take advantage of an introductory 0% APR offer
- You don’t want to pay an annual fee
Rates, fees and terms
| Annual Fee | None |
|---|---|
| Intro Purchase APR | 0% for 12 months from account opening date |
| Regular Purchase APR | 20.24% to 27.24% variable based on creditworthiness and the Prime Rate |
| Intro Balance Transfer APR | 0% for 15 months on transfers made within 60 days from account opening date |
| Balance Transfer APR | 20.24% to 27.24% variable based on creditworthiness and the Prime Rate |
| Balance Transfer Transaction Fee | Either $10 or 4% of the amount of each transfer, whichever is greater |
| Foreign Transaction Fee | 3% of the amount of each transaction in U.S. dollars |
| Late Payment Penalty Fee | UP to $40 |
| Over Limit Penalty Fee | $10 for each overdraft protection |
Confirm before you apply: rates, fees and offers change often. The figures above are the ones listed on the original card page, not a current quote from the issuer. APRs are typically variable, and the rate you receive depends on your creditworthiness. Recommended credit: Good Credit Fair Credit.
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KeyBank Latitude® Credit Card
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