KeyBank Credit Card Review

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KeyBank Latitude® Credit Card

4.36 out of 5 rating104 Reviews

3.5WalletHub Rating

WalletHub Rating

3.5

This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Finance New Purchases." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs.

Editor’s Rating

3.5

User Reviews

4.3

Market Comparison

3.4

fees: 4.0

rewards: 0.0

cost: 3.3

APR: 3.9

Purchase Intro APR0% for 15 months

Transfer Intro APR0% for 15 months|Transfer Fee: 4% (min $10)

Regular APR18.99% - 25.99% (V)

Purchase Intro APR

0% for 15 months

Transfer Intro APR

0% for 15 months|Transfer Fee: 4% (min $10)

Regular APR

18.99% - 25.99% (V)

annual fee

rewards rate

None

minimum credit

Excellent

WalletHub's Take: The KeyBank Latitude® Credit Card is a good option if you have a credit score of 750 or higher, you want to avoid interest charges on purchases or balance transfers for a limited time, and you live in one of 15 eligible states. The card is worthwhile thanks to its $0 annual fee and longer-than-average 0% APR offer.

Pros

No membership fees
0% intro APR on purchases
0% intro APR on balance transfers

Cons

No rewards
No initial rewards bonus
Balance transfer fee
High regular APR

Additional Info

0% Intro APR on balance transfers requested within 60 days of account opening.
With the temporary lock security feature, you can easily use online or mobile banking to lock and unlock a misplaced credit card.
Security Features includes Mastercard ID Theft Protection and Zero Liability Protection.
Travel and Entertainment Assistance includes Mastercard Global Services™.
Key.com serves only in 15 states including AK, CO, CT, ID, IN, MA, ME, MI, NY, OH, OR, PA, UT, VT, or WA.

Pros, Cons, & Details

Compare

KeyBank Key2More Rewards Credit Card

3.96 out of 5 rating118 Reviews

3.96 out of 5 rating118 Reviews

2.4WalletHub Rating

WalletHub Rating

2.4

This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Earn Rewards." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs.

User Reviews

3.9

Market Comparison

2.3

fees: 3.8

rewards: 1.6

cost: 2.4

Other Features: 0.0

Purchase Intro APR0% for 6 months

Transfer Intro APR0% for 6 months|Transfer Fee: 4% (min $10)

Regular APR20.99% - 27.99% (V)

Purchase Intro APR

0% for 6 months

Transfer Intro APR

0% for 6 months|Transfer Fee: 4% (min $10)

Regular APR

20.99% - 27.99% (V)

annual fee

rewards rate

5 points / $1

minimum credit

Good

WalletHub's Take

Pros

No membership fees
0% intro APR on purchases
0% intro APR on balance transfers
High rewards rate

Cons

No initial rewards bonus
Balance transfer fee
High regular APR

Read our editor's full KeyBank Key2More Rewards Credit Card review.

Rewards Details

Earn 5 points for every $1 for every eligible credit card purchases.
Monthly bonuses - 25% for spending more than $1,000, 50% for spending more than $2,000. No cap on rewards points earned.
Redeem your points for travel, shopping, event tickets, gift cards, cash back and more.

Additional Info

0% Intro APR on balance transfers requested within 60 days of account opening.
Identity Theft Protection and Zero Liability Protection.
Mastercard Travel Services™ and MasterRental Coverage.
Key.com serves only in 15 states including AK, CO, CT, ID, IN, MA, ME, MI, NY, OH, OR, PA, UT, VT, or WA.

Pros, Cons, & Details

Compare

KeyBank Credit Card Reviews

3.8

What's Your Rating?

schoonover95
April 29, 2025 • @schoonover95

Recently, I attempted to dispute three charges incurred in one night at a bar I do not frequent. KeyBank concluded that it was me, but it wasn't. What a joke. At least I received a replacement credit card for free, but this bank seems reluctant to refund money when someone steals your information.

Product: KeyBank Credit Cards

Comment

Mariia Popovych
January 6, 2025 • @mariyapopovich

This is the worst thing that has happened to me in America in 14 years. Money was stolen from my credit card and personal account. Someone made transfers via Western Union and MoneyGram, services I have never used, in large amounts of $2,400 and $2,000. The bank did not return anything and, moreover, they added another $2,500 and turned it over to collectors. The credit card was closed, yet 2 months later the bank reopened the card and issued a bill for $2,400. They suggest that perhaps my electronic signature was stolen, but that doesn't make me feel any better. My credit score dropped from 780 to 650, and I'm left with the debt. I will never recommend this bank again; it has been the poorest experience, and their customer service is lacking. They even questioned my importance when I asked for a supervisor. If you wish to avoid problems, steer clear of this bank.

Product: KeyBank Credit Cards

Comment

SandraSue Shaw
September 2, 2024 • @ssssandrasue

Verified Customer

KeyBank has always been there, and they are very helpful in explaining information that is going to improve my credit score. They are the ones who said that if I close the two accounts that I do not use, it is going to help improve my score. I can't wait for that to happen.

Product: KeyBank Key2More Rewards Credit Card

Comment

inessa crown
August 2, 2024 • @inamusic1975

Customer service is terrible and lousy. I have had problems with this bank since I opened an account with them. I couldn't get a debit card despite trying three times.

Product: KeyBank Credit Cards

Comment

Linda Phillips
September 28, 2024 • @lindahas3birds

Yes I had the same problem with them

Comment

Jeff Wall
December 6, 2023 • @jwallii

Borderline scammer level security. Key Bank was a larger bank for our area of NY state. We banked and took out credit cards with them because we thought they'd be reasonably secure and customer friendly. For certain, branch employees have been nothing less than excellent. But when we needed protection from a card scam, we learned the hard way that Key deals exclusively with the rock bottom shelf fraud and security firms. Their basic strategy wag to gas light and blame us for the scam. No other bank or card had blinked an eye at protecting us from this let of scam, but Key? They just us get rocked and slapped on extra charges for the heck of it. It's almost as of their profit model has its fingers crossed for customers to get scammed. In any case, we've cut ties and could not be more relieved. When it comes down to it, if you're totally exposed to any kind of fraud and theft in any one of your accounts, there is no rest. So there is just no rest or security with Key.

Product: KeyBank Credit Cards

Comment

Andrew
October 31, 2023 • @amm9947

Verified Customer

Offers higher interest rate in my Savings account and am considering a CD.Overall I am pleased with this bank and the service I receive. Thank you!

Product: KeyBank Credit Cards

Comment

Lynn
September 15, 2023 • @woodbine15

Verified Customer

Great to have other options thru Key Bank, they are a great place to work with will continue to do business with and look forward to more great offers

Product: KeyBank Credit Cards

Comment

stuysha
August 12, 2023 • @guylyken

Verified Customer

Keybank's app is very slow and confuses me alot,I am new and trying to build credit and Keybank 's secured credit card is just confusing , i am thinking of changing my credit card soon because their card does not benefit me and will only hurt my credit score with the slow service. I really hope they upgrade their app's system.
Edited- I recently spoke with a keybank's employee and they clarified some of the confusion but the app is still slow with the pending transactions

Product: KeyBank Credit Cards

Comment

Jax Fen
June 26, 2023 • @Jackaboo28

Credit card company reissued me a new card and deactivated my current one. I had no clue until I went to the store and my card was declined. I called them and they apologized for any inconvenience but said I had to wait on a new card which would be 10 business days. I have heard this happens often with key bank. I didn't activate the card they sent, I cut it up and opened a Wells Fargo card. O% for 21 months and great benefits. And they DON'T deactivate good cards just because. I will never use key bank again.

Product: KeyBank Credit Cards

Comment

RONALD
September 4, 2022 • @rewwarren

Verified Customer

I've had this card a short time but hope to do business in the future i 've had this bank for a fue years im thankfull an hope tell all

Product: KeyBank Credit Cards

Comment

Review KeyBank Credit Card Review

KeyBank Credit Card Q&A

Get answers to your questions about KeyBank Credit Card Review below. Editorial and user-generated content is not provided, reviewed or endorsed by this issuer. Please keep in mind that it is not a financial institution’s responsibility to ensure all posts and questions are answered. In addition, WalletHub independently collected information for some of the cards on this page.

Upvotes

How much are KeyBank rewards points worth?

Evelyn Boros, Credit Cards Moderator

Every 5 KeyBank rewards points are worth 1 cent (500 points = $1) when redeemed for cash back. KeyBank rewards points can also be redeemed for merchandise, gift cards, travel rewards, charity donations, and domestic plane tickets, among other things. But point values may vary for those redemption methods.

Although each KeyBank point isn't worth all that much on its own, cardholders get a better deal than you might think, considering how many points you can earn with KeyBank's rewards cards.

With the KeyBank Key2More Rewards Credit Card, you can earn 5 points per $1. The KeyBank Business Rewards Credit Card is even more impressive. It will give you 10 points / $1 spent on gas, restaurants, travel, and telecom. And it gives 5 points / $1 spent on all other eligible purchases.

Just remember that KeyBank points expire 4 years after you earn them. So, make sure to redeem on a regular basis. You can sign in to your online banking account at key.com to redeem.

Upvotes

Can I set my KeyBank Business Rewards credit card to gas purchases only?

Krystal Stokes

You cannot set your KeyBank Business Rewards credit card purchases to gas only.

Upvotes

Can I use my KeyBank Business Rewards credit card anywhere?

Keyaira Sutton, WalletHub Analyst

Yes, you can use your KeyBank Business Rewards Credit Card pretty much anywhere in the U.S. or in the world, as this card is a Mastercard.

More specifically, your KeyBank Business Rewards Credit Card is accepted by 10.7 million merchant locations in the U.S. and more than 210 countries worldwide.

Having said that, it is also worth noting that the KeyBank Business Rewards Credit Card charges 3% foreign transaction fees when you are using your card abroad or making purchases from foreign-based merchants.

To avoid getting...

Upvotes

Is KeyBank Latitude a regular credit card?

Frieda Reiss, WalletHub Credit Card Analyst

Yes, the KeyBank Latitude® Credit Card is a regular credit card, from a regular bank. You can use it to make purchases, cash advances and balance transfers. Also, because it is in the Mastercard network, it benefits from Price Protection and Extended Warranty.

Upvotes

What does your credit score need to be for the Latitude?

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We work hard to show you up-to-date product terms, however, this information does not originate from us and thus, we do not guarantee its accuracy. Actual terms may vary. Before submitting an application, always verify all terms and conditions with the offering institution. Please let us know if you notice any differences.

* The information about the following cards has been independently collected by WalletHub: KeyBank Latitude® Credit Card, KeyBank Key2More Rewards Credit Card, and KeyBank Business Rewards Credit Card.