This offer is valid only for the name indicated on the letter or email and is nontransferable. Offer ends October 16, 2021.
Call us at 1-888-KEY-1234. For clients using a TDD/TTY device, please call 1-800-539-8336.
Receive $ deposited into a KeyBank savings account when you open a Latitude credit card between 08/31/2021 and 10/16/2021 at 11:59 p.m. (ET). Savings account must be in good standing, and must be open at the time of your Latitude credit card application. Health savings and checking accounts do not apply for this offer. Marketing code required to qualify, which is nontransferable. Refer to key.com for KeyBank savings account options as normal savings account service charges and balance requirements will apply. Cash deposit will be reported on IRS form 1099-MISC. Please consult with a tax professional on reporting requirements. Limit one gift per customer and one gift per qualifying account. Your gift will be deposited into your account within 90 days of meeting requirements. Accounts overdrawn or closed at the time of gift fulfillment are not eligible for this offer. Offer cannot be combined with any other offer.
The APRs may vary based on the Prime Rate. Currently the undiscounted variable APR for Purchases and Balance Transfers is from 17.24% to 24.24% (depending on your creditworthiness). The variable APR for Cash Advances is 26.24%. 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: $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 and Conditions.
Issuer provides zero fraud liability for unauthorized transactions. Cardholder must notify issuer promptly of unauthorized use. Certain conditions and limitations may apply.
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.
|Interest Rates and Interest Charges|
|Annual Percentage Rate (APR) for Purchases||0.00% Introductory APR for the first 15 monthly billing cycles. After that, your APR will be 17.24% to 24.24% based on your creditworthiness. This APR will vary with the market based on the Prime Rate.|
|APR for Cash Advances||26.24% This APR will vary with the market based on the Prime Rate.|
|APR for Balance Transfers||0.00% Introductory APR for the first 15 monthly billing cycles following account opening when balance is transferred within the first 60 days following account opening. After that, your APR will be 17.24% to 24.24% based on your creditworthiness. This APR will vary with the market based on the Prime Rate.|
|How to Avoid Paying Interest on Purchases||Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date of each month.|
|Minimum Interest Charge||If you are charged interest, the charge will be no less than $0.50.|
|For Credit Card Tips from the Consumer Financial Protection Bureau||To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at http://www.consumerfinance.gov/learnmore.|
|Annual Fee||No annual fee|
|Balance Transfer Fee||Either $10.00 or 4% of the amount of each transaction, whichever is greater.|
|Cash Advance Fee||Either $10.00 or 5% of the amount of each transaction, whichever is greater.|
|Convenience Check Advance Fee||Either $10.00 or 4% of the amount of each transaction, whichever is greater.|
|Overdraft Protection Transfer Fee||$10.00|
|Foreign Transactions||3% of the amount of each foreign transaction after its conversion into U.S. Dollars. Transactions originating in Canada are excluded from this fee. Refer to Terms and Conditions.|
|Late Payment||Up to $40.00|
How We Calculate Your Balance: We use a method called the average daily balance method (including new purchases). See your Cardmember Agreement for details.
Loss of Introductory APR: If you make a late payment, we may end offering you a lower APR and begin charging you the higher APR (for both Purchases and Balance Transfers) that is specified in the table above and scheduled to take effect after the Introductory APR is no longer effective.
This credit card is an open-end credit account that has no set term. All fees are included in the monthly minimum payment, which will equal the greater of $30.00 or 1% of the outstanding balance on the account plus fees and interest charges.
Ohio Residents: The Ohio laws against discrimination require that all creditors make credit equally available to all creditworthy customers, and that credit reporting agencies maintain separate credit histories on each individual upon request. The Ohio civil rights commission administers compliance with this law. New York and Maine Residents: You agree to give us permission to obtain one or more credit reports from consumer reporting agencies in connection with this application, any transaction or extension of credit that may result from this application, and on an ongoing basis, for the purposes of performing a routine and occasional verification of credit on the Account, taking collection action on the Account, or for any other legitimate purposes associated with the Account. Upon your request, you will be informed of whether or not a consumer credit report was ordered, and if it was, you will be given the name and address of the consumer reporting agency that furnished the report. New York Residents: New York residents may contact the New York State Department of Financial Services by telephone at 1-800-342-3736 or visit its website (http://www.dfs.ny.gov/consumer/creditdebt.htm) for free information on comparative credit card rates, fees and grace periods. Vermont Residents: You consent to KeyBank obtaining and verifying information about you (which may include a consumer credit report) that we deem necessary in evaluating your loan application, including information about your employment, banking, and credit relationships. If your application is approved and the loan is made, you also authorize us to obtain additional credit reports or other information about you in connection with reviewing the account, increasing the credit line on the account, for the purpose of taking collection action on the account, or for other legitimate purposes associated with the account. Utah Residents: As required by Utah law, you are hereby notified that a negative credit report reflecting on our credit record may be submitted to a credit reporting agency if you fail to fulfill the terms of your credit obligations.
Important Information About Procedures for Opening Accounts at Key.
To help the government fight the funding of terrorism and money laundering activities, federal law requires all financial institutions to obtain, verify, and record information that identifies each customer who opens an account. Therefore, all new and existing customers are subject to the identity verification requirements. When a customer opens an account with any entity within the KeyCorp family of companies, we will ask for the customer's name, address and identification number, and, in the case of an individual, his or her date of birth. For business accounts, we may also obtain this information for individuals associated with the business. We may also request to see a driver's license or other identifying documents. In all cases, Key is committed to protecting the privacy and identity of each of its customers.
All credit products are subject to credit approval.
Key.com is a federally registered service mark of KeyCorp.