The promotional rate applies to purchases and balance transfers, so if you want to make a significant transaction or plan to transfer debt from another card account, you can take advantage of the introductory 0% APR offer.
| Positive Points | Negative Points |
|---|---|
| Identity Theft Protection | No rewards or cash back |
| Considers applicants with fair credit | Charges a 3% foreign transaction fee |
| Potentially lower than average purchase APRs |
By comparison, most credit cards with similar offers give 12 months interest free. Fifteen months is not unheard of, but it is a minority, so it puts Latitude ahead of the competition. Keep in mind, however, that 0% introductory APR on balance transfers does not mean no balance transfer fee.
Also, you will need to make these transfers within 60 days of account opening to qualify.
Those with an attractive credit score can be approved for the card at its lower regular APR, which, at around 10%, will still allow them to save money when compared to other cards. In addition, it can serve well as a mandatory payment method.
| Benefits | |
|---|---|
|
Practicality
|
Reports to multiple credit bureaus |
|
Transfers
|
0% APR on balance transfers for up to 15 months |
|
Fee-free
|
Annual fee $0 |
|
Hassle-free application
|
Apply from your device within 15 minutes |
Be free of annual fee
One upside, there is no annual fee to worry about, although fees still apply for missed payments or foreign transactions. Like other KeyBank credit cards, Latitude offers robust security with its temporary lock feature. If you lose your card, you can freeze activity on it so that anyone who finds it can't make fraudulent purchases. Click on the button below and request your card:
I Want My CardWhat are the relevant APRs for the 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 below average regular APRs.
The KeyBank Latitude credit card has a variable purchase APR ranging from 9.99% to 19.99%. The card has a variable balance transfer APR that ranges from 9.99% to 19.99%. It also has a variable cash advance APR of 23.99%.
Should you apply for the KeyBank Latitude credit card?
The KeyBank Latitude credit card is a no-frills, low APR credit card whose main appeal is the absence of an annual fee and the long introductory term of 0% APR of 15 months. What more is there to say, really?
Click on the button below and request your card:
