see what you can do with a low intro APR

You’re preapproved for a KeyBank Latitude® credit card.1

KeyBank Latitude Benefits

0% APR Intro Rate

For the first 15 billing cycles, your APR on purchases and balance transfers is 0% when the balance transfer occurs within the first 60 days of account opening. After that, it adjusts to 17.24% to 24.24%2 based on creditworthiness.

No Annual Fee2

You won’t pay an annual fee for KeyBank Latitude.

Secure and Easy to Use

Check out quickly and securely with contactless, Tap & Go® technology. Plus, immediately place a temporary lock on your misplaced or stolen card in online and mobile banking.

All the Benefits of Mastercard®

KeyBank Latitude comes with ID Theft Protection, Zero Liability Protection3 and more.

You’re Preapproved

This nontransferable offer is valid only for the person whose name is on the letter or email. To accept this offer, apply using the reservation number from your letter or email.

Have Questions?

Call us at 1-888-KEY-1234. For clients using a TDD/TTY device, please call 1-800-539-8336.

You can choose to stop receiving "prescreened" offers of credit from this and other companies by calling toll-free 1-888-567-8688. See PRESCREEN & OPT-OUT NOTICE below for more information about prescreened offers.

PRESCREEN & OPT-OUT NOTICE: This "prescreened" offer of credit is based on information in your credit report indicating that you meet certain criteria. This offer is not guaranteed if you do not meet our criteria. If you do not want to receive prescreened offers of credit from this and other companies, call Equifax at 1-888-5OPTOUT; or write Equifax Options, P.O. Box 740123, Atlanta, GA 30374-0123.

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.

This offer is not transferable, nor intended for any other applicant who did not receive this preapproved offer. You may accept this offer by clicking the accept button above or by stopping in at your local KeyBank branch. You must mention your marketing code and reservation code to accept this offer.

1

Key selected you to receive this offer based on information contained in your credit report that indicated you satisfied our pre-existing credit criteria. In the event you accept this offer, Key will confirm your qualification by verifying your information and that you continue to satisfy the pre-existing credit criteria used in your selection. Credit may not be extended if you do not continue to satisfy this pre-existing criteria and our other creditworthiness criteria. Your APRs and your credit limit will be determined based on creditworthiness, with a minimum assigned credit line amount of $1,000.

2

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.

3

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.

KeyBank Rate and Fee Disclosure

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.
Fees
Annual Fee No annual fee
Transaction Fees:
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.
Penalty Fees:
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.

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.

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.

All credit products are subject to credit approval.

Key.com is a federally registered service mark of KeyCorp.