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Using a credit card with a 0% APR balance transfer promo can be a great way to manage your debt, as long as the numbers check out. The KeyBank Latitude® credit card gives you 0% APR on balance transfers and purchases1 for 15 billing cycles with no annual fee,2 so you can put more of your money toward getting out debt. After that, your APR will be 9.99% to 19.99% based on your creditworthiness.

Using a Credit Card to Consolidate Debt

Balance transfer credit cards can be a fast, easy way to consolidate debt when your circumstances are right. Here’s when it might work for you:

  • Qualifying for the credit card. You’ll need a solid credit history to qualify for these cards, and when the promotional period ends, the APR is based in part on creditworthiness. That means higher credit scores may get the lower rates.
  • Balance amount. When you’re shifting debt to gain a lower APR, make sure you can pay off all or at least the majority of your principal balance during the promotional period. Once it ends, you’ll be paying the regular APR, so make sure to look at what it will be.
  • Pay on time. If you know you can pay on time and not apply for or take on any more debt, you might be able to raise your credit score while you pay down debt.
  • The fees are reasonable. High annual fees can eat into savings. Typically, cards also charge 3% - 5% of the balance transfer amount with a minimum of $10. Look for no annual fees and lower transfer fees paired with longer 0% APR periods to get the most savings.

KeyBank Latitude Credit Card

This is one of those times when less can be more. Get a 0% APR on balance transfers, and purchases, for 15 billing cycles with KeyBank Latitude. This credit card gives you time to pay down debt, and flexibility to pay for the things you need, so you can manage your balance and your budget.

  • 0% APR for 15 billing cycles on balance transfers and purchases made within 60 days of account opening. Afterwards, the standard variable APR applies, currently 9.99% - 19.99% based on credit worthiness.1
  • No annual fee2
  • 1% balance transfer fee ($10 min.) of the amount of each transaction for accounts opened by February 20 when transfers are made within 60 days of account opening. After that, the fee is $10 or 3% of the amount of each transaction, whichever is greater.3
  • All the benefits of Mastercard®

Timing is Everything

0% intro APR on balance transfers, now with a limited-time 1% fee.

Take advantage of our 0% intro APRs, now with a limited-time 1% balance transfer fee. It’s a great time to move higher interest debt or consolidate bills to a Key Cashback® or KeyBank Latitude® credit card.

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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 9.99% to 19.99% (depending on your credit worthiness). Balance transfers must be made within 60 days of account opening for introductory APR to apply. The variable APR for Cash Advances is 23.99%. 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.


Please see the rates and fees table for the costs associated with this credit card.


If you applied during the time period of 1/3/21 [12:00:00 a.m. ET] - 2/20/21 [11:59:59 p.m. ET] and perform a balance transfer within 60 days from account opening, your balance transfer fee will be either $10.00 or 1% of the amount of each transaction, whichever is greater. After this period your balance transfer fee will be either $10.00 or 3% of the amount of each transaction, whichever is greater.

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.

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

All credit products are subject to credit approval.

NMLS# 399797

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