The KeyBank Latitude Credit Card is a low-interest credit option designed for people who want more control over how they manage debt and spending. With a long 0% introductory APR and no annual fee, it offers flexibility for those planning major purchases or consolidating existing balances. This card helps simplify repayment while reducing the cost of borrowing—especially for those focused on staying financially stable.

In this article, you’ll find a clear breakdown of how the KeyBank Latitude Credit Card works, who it’s best suited for, and what to expect from its features. We’ll cover the key benefits, any possible drawbacks, and how to apply. If you’re looking for a cost-effective card to support smarter budgeting, this guide will help you decide if this product fits your financial goals.

Main Features of the KeyBank Latitude Credit Card

The KeyBank Latitude Credit Card offers a 0% introductory APR for the first 15 billing cycles on purchases and balance transfers made within 60 days of account opening. After the introductory period, a variable APR ranging from 19.24% to 26.24% applies, based on creditworthiness. The card has no annual fee, making it an affordable option for those focused on minimizing costs. Additionally, it includes features like contactless payments and access to your FICO® Score through KeyBank’s online and mobile banking platforms.

Requirements for Approval

To be eligible for the KeyBank Latitude, applicants must be at least 18 years old and possess a valid Social Security number. A good to excellent credit score is typically required, and applicants should have a stable income to demonstrate the ability to manage credit responsibly. While existing KeyBank clients can apply online, new customers may need to visit a local branch to complete the application process.

Benefits of the KeyBank Latitude Credit Card

Cardholders benefit from the extended 0% introductory APR period, which is particularly advantageous for those looking to transfer balances or finance large purchases without accruing interest. The absence of an annual fee further enhances its appeal. Security features such as the ability to lock and unlock the card via mobile app, along with Mastercard’s ID Theft Protection™, provide peace of mind. Additionally, users can set up account alerts to monitor activity and manage their finances proactively.

Exclusive Highlight

A standout feature of the KeyBank Latitude Credit Card is its 15-month 0% introductory APR on both purchases and balance transfers. This extended period surpasses many competitors, offering cardholders a substantial timeframe to reduce existing debt or finance new expenses interest-free. It’s an ideal solution for those seeking to regain financial footing without the pressure of accumulating interest charges.

Disadvantages and Points of Attention of the credit card

While the KeyBank Latitude Credit Card offers several benefits, there are considerations to keep in mind. The card imposes a balance transfer fee of either $10 or 4% of the amount transferred, whichever is greater. Additionally, a 3% foreign transaction fee applies to purchases made outside the United States, which may deter frequent international travelers. Late payments can incur fees up to $40, emphasizing the importance of timely payments to avoid additional costs.

Application Process

Applying for the KeyBank Latitude Card is straightforward. Existing KeyBank customers can apply online by logging into their accounts, while new customers may need to visit a local branch. The application requires personal information, including Social Security number, income details, and identification. Approval decisions are typically made promptly, and upon approval, the card is mailed to the applicant’s address.

Who is the credit card Ideal For?

The KeyBank Latitude Credit Card is well-suited for individuals aiming to manage or consolidate debt without incurring high-interest charges. Its extended 0% introductory APR period and absence of an annual fee make it an attractive option for budget-conscious consumers. However, those who frequently travel internationally or seek rewards programs may find other cards more aligned with their needs.