KeyBank Latitude Credit Card

KeyBank Latitude Credit Card Review

This is a card issued by KeyBank. If you're wondering whether KeyBank Latitude Credit Card is the right card for you, read on.

Key Takeaways

• 0% APR balance transfer intro rate. Offers an introductory 0% APR rate on balance transfers for up to 15 months, which is longer than the average 0% APR period of 12 months.
• 0% APR on new purchases. New cardholders receive an introductory 0% APR rate on new purchases for up to 15 months.
• High APRs. This is not a great card for people who carry a balance. It has a variable purchase APR that ranges from 19.24% up to 26.24%.
• No annual fee*. This is a great option for people looking for a low-maintenance card. It gives you the benefits of a credit card, but you don't have to pay an annual fee for the privilege.
• 4% Balance transfer fee. KeyBank Latitude Credit Card charges a fee of 4% on balance transfers. For example, a balance of $1,000 could cost $40 in transfer fees. The minimum fee is $10.
• Charges foreign transaction fees. Avoid using this card when traveling abroad because it charges a commission of 3% every time you make a transaction outside the U.S.
• Fair or better credit required. You will have good approval odds if your credit score is above 600.

Pros & Cons of KeyBank Latitude Credit Card

The Good	The Bad
0% APR balance transfer intro rate on balance transfers for up to 15 months. 0% APR on new purchases during the first 15 months. There is then a variable purchase APR that ranges from 19.24% up to 26.24%. No annual fee. Identity Theft Protection. Considers applicants with fair credit. KeyBank Latitude Credit Card reports to multiple credit bureaus.	Higher than average purchase APRs. Does not offer a signup bonus. Does not offer rewards or cash back. Charges a foreign transaction fee of 3%. You don't earn rewards on every purchase. Charges a 4% balance transfer fee.

KeyBank Latitude Credit Card FAQ

Does KeyBank Latitude Credit Card have a cash back or rewards program?

No, it does not offer a rewards program.

What are the KeyBank Latitude Credit Card benefits?

It provides the following benefits:

• Zero fraud liability
• Reports to major credit bureaus

What are the relevant APRs for KeyBank Latitude Credit Card?

According to the Federal Reserve Board, the average regular APR is 15% for all credit cards and 17% for accounts that carry a balance. This card has higher than average regular APRs.

KeyBank Latitude Credit Card has a variable purchase APR that ranges from 19.24% up to 26.24%. The card has a variable balance transfer APR that ranges from 19.24% up to 26.24%. It also has a variable cash advance APR of 23.99% .

What are the fees for KeyBank Latitude Credit Card?

The following fees apply:

KeyBank Latitude Credit Card Fees

Fees	Amount
Annual Fee	$0
Foreign Transaction Fee	3%
Late Payment Fee	up to $40

This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost card.

Does KeyBank Latitude Credit Card report your account activity to credit bureaus?

Yes, KeyBank Latitude Credit Card reports your account activity to the following credit reporting agencies:

• Equifax
• Experian
• Transunion

Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and may help improve your credit.

How to apply for KeyBank Latitude Credit Card

• Visit the KeyBank Latitude Credit Card website.
• Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, and annual income.
• Check the information is accurate and submit your application.

If your credit score is preventing you from qualifying for this credit card, check out our guide for the best credit cards for bad credit.