| Rewards | There is no rewards program associated with this card |
|---|---|
| Signup Bonus | None. |
| Annual Fee | $0 |
| Cardmember Agreement | View Here |
| Cash Advance APR | Variable APR, typically around 24%–28%+ (same general APR tier as purchases, depending on creditworthiness) |
| Cash Advance Fee | Either $10 or 5% of the cash advance amount (whichever is greater) |
| Late Payment Fee | Up to $40 |
| Purchases APR | Variable APR (generally ~18%–28% depending on credit profile), though the card may include introductory 0% APR offers on purchases and/or balance transfers for a promotional period |
| * Card terms and offers are subject to change. Confirm current details with the issuer. | |
CARD OVERVIEW
The KeyBank Latitude Mastercard is a simple, no-annual-fee card built around low introductory APR offers rather than rewards. It doesn’t earn cash back or points, but it’s mainly used for balance transfers or financing larger purchases at a promotional rate.
Most users say they like the card’s straightforward purpose—especially the ability to consolidate debt or make a big purchase without immediate interest pressure during the intro period. Many reviewers mentioned that it’s useful as a short-term financial tool rather than a long-term everyday spending card.
On the downside, many reviewers point out that the card has no rewards program at all, which makes it feel uncompetitive once the promotional APR period ends. Others note that the ongoing interest rates can become high, and there aren’t many perks or benefits beyond the intro financing window.
Personally, I think the KeyBank Latitude Mastercard is best for people focused on paying down debt or financing a one-time expense interest-free for a limited time. If you’re looking for ongoing rewards or travel benefits, there are much better options available—but as a simple 0% APR tool, it does its job well.
RATE THIS CREDIT CARD
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Bro sorry, but some error occurred :O
W
not much else to it
I like that it's easy to get approved and works fine for everyday purchases. But there are barely any rewards or perks, so it feels like a basic card, fine for simple needs, but nothing special.
D
Amazing card
Love this card! I’ve had it for over a year, and the benefits are amazing. Fraud alerts are quick, and the mobile app is clean and intuitive. I use it for everything from travel to groceries. Highly recommend it if you’re already with KeyBank.
