KeyBank Latitude Visa Platinum: The Premier Choice for Credit Card Rewards

The KeyBank Latitude Visa Platinum credit card is issued by KeyBank, a prominent player in the banking sector providing innovative financial solutions. Designed for consumers who value flexibility and rewarding options, this card is an excellent choice for those seeking to maximize their spending power.

Card Type

The KeyBank Latitude Visa Platinum is classified as a cashback credit card. Unlike typical rewards cards that offer points or miles, this card provides straightforward cashback, making it easy to understand and redeem rewards.

Annual Fee

One of the most attractive features of the KeyBank Latitude Visa Platinum is its no annual fee structure. This means users can enjoy all the benefits without a yearly financial commitment.

Rewards Program

The KeyBank Latitude Visa Platinum boasts a lucrative rewards program that enables cardholders to earn cashback on every purchase. Users can earn 1.5% cashback on all eligible purchases. Additionally, there are bonus categories where users can earn 2% cashback, which can be particularly beneficial for everyday spending.

Rewards can be easily redeemed for statement credits, allowing for immediate and hassle-free access to the funds earned. This flexibility is a significant advantage of the rewards structure.

Sign-Up Bonus

To attract new customers, the card offers a generous sign-up bonus for individuals who meet the spending requirement. New cardholders can earn an additional $150 in cashback after spending $500 within the first three months of opening their account. This bonus can significantly enhance the card’s value for new users.

APR (Annual Percentage Rate)

The KeyBank Latitude Visa Platinum features a competitive regular APR that typically ranges from 14.49% to 24.49%, depending on creditworthiness. Additionally, the card offers a 0% introductory APR on purchases and balance transfers for the first 15 months, providing an excellent opportunity to save on interest charges during this period.

Foreign Transaction Fees

For frequent travelers, the KeyBank Latitude Visa Platinum is an appealing option with its no foreign transaction fees. This allows cardholders to make purchases abroad without incurring extra charges, making travel budgeting much simpler.

Balance Transfer Options

The card offers attractive balance transfer options, including a 0% APR on balance transfers for the first 15 months. It’s a significant advantage for individuals looking to consolidate debt, allowing them to transfer their balances from other high-interest cards with minimal costs.

Additional Fees

While the KeyBank Latitude Visa Platinum is free from an annual fee, it is important for cardholders to be aware of other fees. The card imposes a late payment fee of up to $39, and cash advance fees can be as high as 5% of the transaction amount, which is a standard fee in the industry.

Card Benefits and Perks

This card also includes valuable benefits and perks such as travel insurance and purchase protection. Cardholders have access to various travel-related discounts and services, enhancing the overall user experience. However, it’s essential to read the full terms regarding coverage limits and exclusions.

Customer Protections and Insurance

The KeyBank Latitude Visa Platinum provides strong customer protections including fraud liability coverage, ensuring that users are not responsible for unauthorized charges. Additionally, the card offers purchase protection, allowing users to feel secure about their transactions.

Eligibility and Credit Score Requirements

To be considered for the KeyBank Latitude Visa Platinum, applicants should have a good to excellent credit score, typically in the range of 700-740. Secondary factors include income and credit history, which are assessed during the application process.

Introductory Offers

In addition to the rewards and balance transfer opportunities, the card offers several introductory offers. The 0% APR promotional rate for the first 15 months on both purchases and balance transfers is noteworthy, encouraging applicants to consider this card for their financial needs.

Special Features or Unique Selling Points

The card stands out with its no annual fee structure, straightforward cashback rewards, and comprehensive travel benefits. Its competitive APR and generous introductory offers add to its appeal.

How to Apply

To apply for the KeyBank Latitude Visa Platinum, interested individuals can complete the application process ‘>official website to begin your application process today and take advantage of all the benefits this card has to offer!

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