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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.


Introductory APR

0% for the first 15 billing cycles on purchases and balance transfers (made in the first 60 days). After that, your APR will be 11.99% to 21.99% based on your creditworthiness.1

Regular APR


Annual Fee


Balance Transfer Fee

$10 or 3% of the amount of each transaction, whichever is greater.

Late Payment Fee

Up to $37

Overdraft Protection Transfer Fee


Minimum Interest Charge



  • 0% APR interest rate for the first 15 billing cycles. After that, your APR will be 11.99% to 21.99% based on your creditworthiness. 1
  • Low continuing APR for purchases and balance transfers
  • Manage in online banking

Exclusive Latitude Credit Card Benefits

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

Shop with Confidence

Price Protection

If you find a lower price within 60 days on an item you purchased with your card, you may be reimbursed for the price difference.

Extended Warranty

Receive warranties longer than the original manufacturer's warranty on most items you buy with your card.

Protect Your Credit

Identity Theft Resolution Services

If you become the victim of identity theft, we are here to help you and provide:

  • Credit bureau notification
  • Credit card replacement
  • ID Theft Affidavit
  • Additional resolution services

Travel and Entertainment Assistance

Mastercard® Travel Services™

We provide exclusive travel benefits like hotel room upgrades, complimentary amenities and other valuable extras.

Online & Mobile Banking

KeyBank Mobile App

March 2018
Managing Debt

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Curious about how to start building credit? Get started on the right track with these four ideas for launching your credit history.

July 2017 How to Start Building Credit: A Beginner's Guide
Credit Card Calculators

See What It Takes to Pay Off Your Balance

Find out how long it will take to pay off your credit card balance and what you can adjust to meet your repayment goal.

See What It Takes to Pay Off Your Balance



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 11.99% to 21.99% (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 25.99%. Cash Advance fee: 4%, $10 minimum. Convenience Check fee: 3%, $10 minimum. Cash Equivalent fee: 4%, $10 minimum. Balance Transfer fee: 3%, $10 minimum. Overdraft Protection Transfer fee: $10. 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.

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 is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.

Apple Pay, TouchID and iPad mini are trademarks of Apple Inc. iPhone, iPad Air, Passbook, iSight and iTunes are registered trademarks of Apple Inc. iOS is a trademark or registered trademark of Cisco in the U.S. and other countries and is used under license.

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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