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. Non-U.S. citizens must apply in person at a local branch.
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 19.24% to 26.24% (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 28.24%. Cash Advance fee: 5%, $10 minimum. Convenience Check fee: 4%, $10 minimum when transaction is made within 60 days of account opening. Cash Equivalent fee: 5%, $10 minimum. Balance Transfer fee: 4%, $10 minimum, when transaction is made within 60 days of account opening. 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.
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.
Amount: We will process balance transfers up to the amount of your available credit limit. If your available credit limit is less than the total of the balance transfers requested, we may either process a partial balance transfer or decline the transfer. Special Disclosure for Balance Transfers Requested at Account Opening or Before Activation of Your Card: You may cancel a balance transfer request up to 10 days after submitting a credit card application or until your credit card is activated, whichever happens first. We will not process a balance transfer until the expiration of such a waiting period. After that, KeyBank will not cancel any requested balance transfers. Note: At account opening, you may only request up to six balance transfers, and we will only process balance transfers up to 90% of your credit limit.
Please see terms and conditions which can be found at mastercard.us/zeroliability.
Your KeyBank Latitude credit card is an open-end credit account that has no set term. All fees, including balance transfer fees, are included in the monthly minimum payment which will equal 1% of the outstanding balance (inclusive of all fees other than the late fee), plus interest charges, late fees and any past due amounts, or $30, whichever is greater. The Annual Percentage Rate (APR) for your KeyBank Latitude credit card is variable and will equal The Wall Street Journal Prime Rate plus a margin, which is based on creditworthiness. The Prime Rate used in this solicitation is 7.5% and was in effect within 30 days of this offer being provided to you.
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.
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.
All credit products are subject to credit approval.
Key.com is a federally registered service mark of KeyCorp.