The KeyBank Latitude Credit Card is a robust financial tool designed to offer consumers an attractive mix of rewards, flexibility, and minimal fees. Ideal for those who want to earn cashback on everyday purchases and take advantage of a generous introductory APR, this card provides a comprehensive suite of benefits. In this article, we will delve into the features, advantages, interest rates, and other essential information about the KeyBank Latitude Credit Card, helping you make an informed decision.

KeyBank Latitude Credit Card Overview

The KeyBank Latitude Credit Card stands out with its straightforward rewards program and user-friendly features. Here’s a detailed look at what it offers:

No Annual Fee

One of the most appealing aspects of the KeyBank Latitude Credit Card is its no annual fee. This feature ensures that you can enjoy the card’s benefits without the extra burden of an annual charge.

Cost-Free Advantage: Enjoy all the card’s features without worrying about an annual fee.

Cash Back Rewards

Earn 1.5% cashback on every eligible purchase. This simple and transparent cashback structure means you’ll receive rewards for all your spending without having to track categories or limits.

Simple Rewards: Earn cashback on every purchase with no limits.
Unlimited Earning Potential: There’s no cap on the amount of cashback you can earn.

0% Introductory APR

The KeyBank Latitude Credit Card offers a 0% introductory APR on purchases and balance transfers for the first 15 months. After this period, a variable APR of 17.24% – 27.24% applies based on your creditworthiness.

Interest-Free Period: Take advantage of 0% APR on new purchases and balance transfers for the first 15 months.
Variable APR: After the introductory period, standard APR rates apply.

Purchase and Travel Benefits

The Latitude Credit Card includes several benefits that can enhance your spending experience:

• Travel Assistance: Access travel assistance services and emergency card replacement.
• Purchase Protection: Coverage for eligible purchases against damage or theft for up to 90 days.

Enhanced Security Features

Protect your financial information with the card’s enhanced security features:

• Zero Fraud Liability: You’re not responsible for unauthorized charges if your card is lost or stolen.
• Fraud Alerts: Receive notifications for suspicious activity on your account.
• Card Lock: Instantly lock your card if it’s misplaced.

Online and Mobile Account Management

Manage your account with ease using KeyBank’s online and mobile tools:

• Mobile App: Use the KeyBank mobile app to manage your account, deposit checks, and transfer funds.
• Online Portal: Access your account online to view transactions, set up automatic payments, and more.

Interest Rates and Fees

Variable APR

After the introductory period, the KeyBank Latitude Credit Card has a variable APR ranging from 17.24% to 27.24%. This rate varies based on your creditworthiness and market conditions.

Fees

• Foreign Transaction Fee: 3% fee on transactions made outside the U.S.
• Late Payment Fee: Up to $40 if you miss a payment.
• Cash Advance Fee: 3% of the cash advance amount, with a minimum fee of $10.

How to Apply for the KeyBank Latitude Credit Card

Applying for the KeyBank Latitude Credit Card is a straightforward process:

1. Visit the KeyBank Website: Navigate to the KeyBank credit card section on their official website.
2. Select the Latitude Credit Card: Choose the Latitude Credit Card from the list of available options.
3. Complete the Application Form: Provide necessary personal information such as your name, address, income, and Social Security number.
4. Review and Submit: Check your information for accuracy before submitting your application.
5. Await Approval: KeyBank will review your application and notify you of the decision, usually within a few minutes.

Conclusion

The KeyBank Latitude Credit Card is an excellent choice for those seeking a no-annual-fee card with solid rewards and valuable benefits. Its 1.5% cashback on all purchases, 0% introductory APR, and enhanced security features make it a versatile option for managing both everyday expenses and larger purchases. However, be mindful of the variable APR and foreign transaction fees that apply after the introductory period.

Key Takeaways

• Pros:
  • 1.5% cashback on all purchases.
  • No annual fee.
  • 0% introductory APR for the first 15 months.
  • Enhanced security features.
• Cons:
  • High variable APR after the introductory period.
  • Foreign transaction fees.

If you’re looking for a credit card that combines rewards, flexibility, and security, the KeyBank Latitude Credit Card offers a compelling package. Its lack of fees and straightforward rewards make it a strong contender for those who want to maximize their credit card benefits.