KeyBank Latitude® Credit Card

Manage debt. Save money. Breathe easier.

Pay down debt with the KeyBank Latitude® credit card. Affordable rates give you the flexibility to pay for the things you need, while you manage your balance and budget over time.

Apply Now Rates & Fees Terms & Conditions

Overview

Introductory APR

0% 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 17.99% to 24.99% based on your creditworthiness.1

Regular APR

Variable

Annual Fee

$01

Balance Transfer Fee

$10.00 or 4% of the amount of each transaction, whichever is greater.

Late Payment Fee

Up to $40

Overdraft Protection Transfer Fee

$0

Minimum Interest Charge

$0.50

Features

  • 0% APR interest rate for the first 15 billing cycles. After that, your APR will be 17.99% to 24.99% based on your creditworthiness.1
  • Low continuing APR for purchases and balance transfers.
  • Know your credit score. Opt in to view your FICO® Score anytime without impacting your credit score in KeyBank online and mobile banking.2
  • Stay secure. With our temporary lock security feature, you can easily use online or mobile banking to lock and unlock a misplaced credit card. You’ll have peace of mind knowing your card can’t be used. Plus, you’ll gain time to find your card, potentially avoiding having to cancel it and open a new one.
  • Contactless iconContactless – Just Tap and Go®.
Screenshot of the FICO Score in Online Banking

Know your FICO® Score

Opt in to check your FICO® Score for free anytime in online and mobile banking. It’s quick, easy and won’t impact your credit score. To see if yours is available, sign on today.

Sign On

Online & Mobile Banking

Security

Account Alerts

Apply Now Rates & Fees Terms & Conditions

Exclusive KeyBank Latitude Credit Card Benefits

Enjoy these perks that come with being part of the Mastercard® network:

Peace of Mind

Your card's benefits will protect you against everything from online identity theft to fraudulent purchases. It's peace of mind for the things most likely to create headaches.

Identity Theft Protection™

Identity theft hurts, but Mastercard can help—for no extra cost. From scouring the internet to see if your personal info is being sold to helping you clear your name with credit rating agencies, we are there for you 24/7. Simply visit https://mastercardus.idprotectiononline.com or call 1-800-MASTERCARD.

Zero Liability Protection

Have peace of mind knowing that you are protected against fraudulent purchases in-store, over the telephone, online or on mobile apps— as well as at the ATM. Simply call the number on the back of your card if you suspect any unauthorized activity on your card. Visit mastercard.us/zeroliability for more information.

Travel and Entertainment Assistance

Mastercard Global Services™

Mastercard representatives trained to assist anytime, anywhere with card-related questions. Find out more about Mastercard Global Services.

For more detailed information on Mastercard benefits for your card, call 1-800-MC-ASSIST.

1

The 0% introductory APR does not apply to cash advances and is valid for the first 15 billing cycles on purchases and balance transfers. Thereafter, the APR may vary. Currently the undiscounted variable APR for Purchases and Balance Transfers is 17.99% to 24.99% (depending on your creditworthiness). Balance transfers must be made within 60 days of account opening for introductory APR to apply. The variable APR for Cash Advances is 26.99%. Cash Advance fee: 5%, $10 minimum. Convenience Check fee: 4%, $10 minimum. Cash Equivalent fee: 5%, $10 minimum. Balance Transfer fee: 4%, $10 minimum. Overdraft Protection Transfer fee: $0. There is a $0.50 minimum finance charge where interest is due. Foreign Transaction fee: 3% of each foreign purchase transaction in U.S. dollars. Transactions originating in Canada are excluded from this fee. Refer to Terms & Conditions.

2

Clients with newly opened credit card accounts may not see their first FICO® Score in online and mobile banking for up to 90 days after enrollment. In certain circumstances, a FICO® Score may not be available for various reasons, e.g., having a limited credit history. FICO is a registered trademark of Fair Isaac Corporation in the United States and other countries.

This page contains Mastercard benefits available for new credit card clients. If you already have a KeyBank credit card, your Mastercard benefits may be different from those listed above. Please refer to documents you received when you opened your account or call 1-800-MC-ASSIST for more information.

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

View the Cardmember Agreement and Rewards Terms and Conditions for full terms of the offer.

All credit products are subject to credit approval.

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1-800-KEY2YOU® (539-2968)

Clients using a TDD/TTY device:
1-800-539-8336

Clients using a relay service:
1-866-821-9126

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Schedule an Appointment

Talk to a Branch Manager in your neighborhood.

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Find a Branch or ATM

Contact Us Icon

Call Us

1-800-KEY2YOU® (539-2968)

Clients using a TDD/TTY device:
1-800-539-8336

Clients using a relay service:
1-866-821-9126

Contact Us Icon

Schedule an Appointment

Talk to a Branch Manager in your neighborhood.

Schedule an appointment now