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Find the card that fits your lifestyle – whether you’re looking to earn rewards for everyday purchases, want the flexibility of low interest rates to manage debt, or need to build your credit.*

Low interest rates to help you repay debts or finance purchases

  • 0% introductory APR for the first 15 billing cycles on purchases and balance transfers (balance transfers must be made in the first 60 days of account opening to qualify for the introductory APR). After that your APR will be 12.24% to 22.24% based on your creditworthiness4
Rates & Fees

Earn rewards on every purchase

  • 0% introductory APR for the first 6 billing cycles on purchases and balance transfers (balance transfers must be made in the first 60 days of account opening to qualify for the introductory APR). After that, your APR will be from 15.24%-24.24% based on your creditworthiness4
  • Earn 5 rewards points for every $1 in eligible purchases, plus monthly bonuses5
Rates & Fees

Disclosures

1

Latitude: 0% intro APR for 15 billing cycles on all purchases and balance transfers. After that, the variable APR for purchases and balance transfers is 12.24%-22.24% (based on creditworthiness). Balance transfers must be made within the first 60 days of account opening for introductory APR to apply. Balance Transfer Fee will be either $10.00 or 3% of the amount of each transaction, whichever is greater.

Key2More: 0% intro APR for 6 billing cycles on all purchases and balance transfers. After that, the variable APR for purchases and balance transfers is 15.24%-24.24% (based on creditworthiness). Balance transfers must be made within the first 60 days of account opening for introductory APR to apply. Cash Equivalent Fee: 4% of each transaction amount, $10 minimum.

Latitude and Key2More: The introductory rate does not apply to cash advances. The variable APR for Cash Advances is 26.24%. Cash Advance fee: 4% of each advance amount, $10 minimum. Convenience Check Fee and Balance Transfer Fee: Either $10.00 or 3% of the amount of each transaction, whichever is greater. There is a $0.50 minimum finance charge where interest is due. The annual fee is $0. The Overdraft Protection fee is $10. Foreign Transaction fee: 3% of the amount of each foreign transaction after its conversion into U.S. Dollars. Transactions originating in Canada are excluded from this fee.

2

Eligible purchases do not include cash advances of any type, balance transfers, convenience check transactions, overdraft protection transfers or credits. See the KeyBank Rewards Program Terms and Conditions for full details. Monthly bonus points are awarded per credit card account based on the aggregated amount spent per month by all signers linked to the credit card account. Points for $2,000 or more are awarded as an additional 25% bonus to add up to the 50% bonus. Bonuses are based on the total eligible purchase transaction points earned in a calendar month. If your credit limit is less than $2000 you will need to make payments (in addition to your required payment) throughout the calendar month in order to reach the spend limits required to earn monthly bonus points. To qualify for Reward Points for opening a credit card, you must spend at least $500 on qualifying purchases with this credit card within 60 days of account opening and have a KeyBank checking account open and in good standing. See the KeyBank Rewards Program Terms and Conditions for full details. The KeyBank Rewards Program Terms and Conditions and Points Guide are subject to change and may be found at key.com/rewards.

3

Please review rates and fees table in the terms and conditions for costs associated with this credit card.

Subject to credit approval.

The creditor and issuer of this credit card is KeyBank N.A., pursuant to a license from Mastercard International Incorporated. Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.

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