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Compare Fifth Third Bank credit cards

You'll find some surprisingly strong cards in this regional bank.

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Fifth Third Bank is a relatively small bank that offers a selection of solid cards, including a great tiered cashback card that stands among its big-name competitors. Here’s a look at their selection, including a straightforward intro-APR product and a card that supports the Stand Up To Cancer charity.

Best Fifth Third Bank credit cards

Fifth Third Bank offers a few unique cards. Check out its lineup if you want a product for rewards, an intro APR, charitable contributions or a card for fair or no credit.

Best for rewards

TRIO® Credit Card

TRIO® Credit Card logo
Credit recommended (670-850)
Read review
670
Min. credit score
$0
Annual fee
Up to 3%
Cash back
$100
Welcome offer
Though its small signup bonus leaves a bit to be desired, the TRIO® Credit Card offers strong rewards for everyday purchases. It's similar to the Bank of America® Cash Rewards credit card, with a bigger emphasis on dining purchases. This card's tiered rewards structure cap also offers some flexibility in how you choose to max your bonus points.
  • Annual fee: None.
  • Rewards: Cash back on every purchase. Earn 3% cash back at restaurants and 2% cash back on gas and at grocery and drug stores. You'll receive these rates on up to $1,500 in combined purchases each quarter. After you've reached the quarterly limit, and on all other purchases, you'll earn 1% cash back.
  • Signup bonus: $100 cashback bonus. To earn it, spend $1,000 on purchases in the first 90 days of your account opening. You'll find better signup bonuses elsewhere, but this one has a low spending threshold.
  • Intro balance transfer APR: 0% for 12 billing cycles following your account opening. After that, your APR will be 16.24% to 25.24% variable. This is a decent intro APR period, though you might wish it came with an intro APR on purchases.
Annual Fee $0
Purchase APR 16.24% to 25.24% variable
Balance transfer APR 0% intro for the first 12 billing cycles (then 16.24% to 25.24% variable)
Welcome offer $100 after spending $1,000 in the first 90 days
Rewards 3% cash back on dining, 2% on gas and at grocery and drug stores up to $1,500 combined quarterly, then 1% after that and on all other purchases

Best for intro APR

Truly Simple® Credit Card

Truly Simple® Credit Card logo
Credit recommended (670-850)
Read review
670
Min. credit score
$0
Annual fee
n/a
Rewards
n/a
Welcome offer
This credit card truly lives up to its name – you'll find no frills or perks attached to this card. Instead, you'll enjoy the simplicity of no annual fee and a surprisingly strong APR period. Not many cards offer an APR period of this length.
  • Annual fee: None.
  • Intro APR: 0% for 15 billing cycles following your account opening on purchases and balance transfers. After that, your APR will be 14.24% to 25.24%% variable. This is a strong intro APR period.
Annual Fee $0
Purchase APR 0% intro for the first 15 billing cycles (then 14.24% to 25.24% variable)
Balance transfer APR 0% intro for the first 15 billing cycles (then 14.24% to 25.24% variable)
Welcome offer N/A
Rewards N/A

Best for charitable donations

Stand Up To Cancer® Credit Card

Stand Up To Cancer® Credit Card logo
Credit recommended (670-850)
Read review
670
Min. credit score
$0
Annual fee
Up to 1x
Points
n/a
Welcome offer
Of Fifth Third's offerings, the Stand Up To Cancer® Credit Card is perhaps the most underwhelming, offering just 1x reward points on all purchases. The card's main draw? Should you redeem your rewards as a charity donation to Stand Up To Cancer, Fifth Third matches your donation. However, if you're really counting, you'll find you could send larger contributions to Stand Up To Cancer in other ways. For example, you could earn better rewards through a cashback card and simply donate the proceeds.
  • Annual fee: None.
  • Rewards: 1x points on all purchases. Not a spectacular rate, 1.5% is standard among other cards. Redeem points for donations to Stand Up To Cancer, gift cards, cash deposits, statement credit and more.
  • Fifth Third contributions to Stand Up To Cancer. When you redeem points for donations, Fifth Third will match 10% of your contribution's cash value. The bank donates additional funds to the charity: 0.2% of your purchase amounts and $5 each year your card is active.
  • Intro APR: 0% for 12 billing cycles following your account opening on purchases and balance transfers. After that, your APR will be 14.74% to 25.74% variable. A solid intro APR period.
Annual Fee $0
Purchase APR 0% intro for the first 12 billing cycles (then 14.74% to 25.74% variable)
Balance transfer APR 0% intro for the first 12 billing cycles (then 14.74% to 25.74% variable)
Welcome offer N/A
Rewards 1x points on all purchases

Best for fair or no credit

Fifth Third Secured Card

Fifth Third Secured Card logo
Credit recommended (300-669)
Read review
300
Min. credit score
$24
Annual fee
25.74% variable
Purchase APR
n/a
Min. deposit
The Fifth Third Secured Card is generally outclassed by competitors in the field of secured cards. With a slightly above average security deposit requirement, small but notable annual fee and a high APR, the Fifth Third Secured Card doesn't quite make a great pick if you're rebuilding your credit, especially considering other secured cards can offer more for less. Though you can earn interest on your security deposit, a rarity among secured cards – it's not enough to raise the card's value.
  • Security deposit earns interest. Few major providers offer interest on deposits.
Annual fee $24
Minimum deposit required N/A
Purchase APR 25.74% variable
Balance transfer APR 25.74% variable
Recommended minimum credit score 300

Best for preferred Fifth Third Bank clients

TRIO® Preferred Credit Card

TRIO® Preferred Credit Card logo
Credit recommended (670-850)
670
Min. credit score
$0
Annual fee
Up to 3%
Cash back
$350
Welcome offer
Preferred bank clients who have $100,000 or more in deposit or investment accounts with the Fifth Third Bank get to apply for the boosted version of the TRIO® Preferred Credit Card. This card removes the quarterly cap on the accelerated cashback categories, giving you the chance to earn more cash back on your purchases.
  • Cash back. Earn 3% cash back at restaurants and 2% back on groceries, gas and at drug stores without any quarterly limits. All other purchases earn 1% cash back.
  • Signup bonus. Earn $350 cash bonus after you spend $3,000 in your first 90 days of card membership.
  • Intro APR period. Get 12 billing cycles of 0% intro APR period on balance transfers. After that, a variable APR of 13.99% to 22.99% applies.
Annual Fee $0
Purchase APR 0% intro for the first 12 billing cycles (then 13.99% to 22.99% variable)
Balance transfer APR 0% intro for the first 12 billing cycles (then 13.99% to 22.99% variable)
Welcome offer
Rewards

How we selected our best cards

Fifth Third Bank offers a small stable of credit cards, and each product is geared toward a certain type of consumer. We compared all of the cards and deemed them best for specific categories based on their respective standout features.

Compare Fifth Third Bank credit cards

Though you have just a handful of Fifth Third Bank credit cards to choose from, they cover a few credit card staple categories, with two of those cards offering rewards.

Name Product Filter values Rewards Purchase APR Annual fee
TRIO® Credit Card
3% cash back on dining, 2% on gas and at grocery and drug stores up to $1,500 combined quarterly, then 1% after that and on all other purchases
16.24% to 25.24% variable
$0
Get a $100 cash back bonus by spending $1,000 within 90 days of opening your account.
Truly Simple® Credit Card
N/A
0% intro for the first 15 billing cycles (then 14.24% to 25.24% variable)
$0
Low 0% introductory APR for the first 15 billing cycles after your account is opened on purchases and balance transfers. After that, your variable APR will be 14.24%% to 25.24%%.
Stand Up To Cancer® Credit Card
1x points on all purchases
0% intro for the first 12 billing cycles (then 14.74% to 25.74% variable)
$0
Earn 1x points on all purchases.
Fifth Third Secured Card
N/A
25.74% variable
$24
Build or rebuild your credit with each purchase. Reports to the three major credit bureaus.
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How do I apply for a Fifth Third Bank credit card?

You must be at least 18 years old to apply for a Fifth Third Bank card. You must also be a citizen or permanent resident of the US.

When you’re ready to apply for a Fifth Third Bank card, follow these steps:

  1. Go to the Fifth Third Bank website and visit the appropriate credit card page.
  2. There are three ways to apply: online, at a Fifth Third Bank branch or by phone. Select one of these options on the Fifth Third Bank card page.
  3. To apply online, complete the application with your personal information. This includes your contact details, Social Security number and financial details.

How to choose the best Fifth Third credit card

Most of Fifth Third Bank’s credit cards fall into entirely different categories. That makes things a bit simpler when you’re picking between them – all you need to ask yourself is what kind of credit card do you need.

  • Do you want strong rewards on everyday purchases?
    Look into the TRIO® Credit Card, which offers impressive cash back.
  • Do you want a strong intro APR on purchases and balance transfers?
    The Truly Simple® Credit Card has the best intro APR on both balance types among all of the Fifth Third Bank cards.
  • Do you want to give charitable contributions?
    The Stand Up To Cancer® Credit Card can help you easily redeem rewards for donations to Stand Up To Cancer.
  • Do you have damaged or no credit?
    You may qualify for the Fifth Third Secured Card. Keep in mind this product is unimpressive compared to other secured cards on the market.
  • Are you a preferred Fifth Third Bank client?
    The TRIO® Preferred Credit Card could be a great choice. Note, however, you may be able to earn even stronger rewards with big-bank cards depending on your typical spending.

Types of Fifth Third Bank credit cards

Fifth Third Bank cashback credit cards

Fifth Third Bank offers two cashback credit cards, which are almost identical. Both offer solid rewards rates, comparable to some of the largest card providers. However, you must be a preferred Fifth Third Bank customer to apply for one of the two cards.

Typical benefits
  • Cash back. Earn tiered cash back on select categories. Preferred bank members get to earn unlimited cash back on these categories.
  • Signup bonus. Earn a decent cash bonus after you meet the spend requirements. Preferred members get to earn a market-leading bonus unlike anything other card providers offer.
  • Intro APR period on balance transfers. If you’re looking to move your debt from another card and save money on interest, both these cards are solid options.
  • No annual fee. You won’t pay an annual fee for either of the two cards.
Fifth Third Bank cashback credit cards
  • TRIO® Credit Card
  • TRIO® Preferred Credit Card

Fifth Third Bank 0% intro APR credit cards

Although a few credit cards from this provider come with a 0% intro APR period, you’ll find only one card specifically designed for this purpose.

Typical benefits
  • Long intro APR period. The main intro APR credit card, the Truly Simple® Credit Card, comes with a solid 15 billing cycles of 0% intro APR period on balance transfers and purchases. After that, a variable APR of 14.24% to 25.24% applies. The other cards offer 0% intro APR for fewer months and some offer only balance transfer intro APR.
  • No annual fee. None of these cards will cost you an annual fee.
Fifth Third Bank 0% intro APR credit cards
  • Truly Simple® Credit Card
  • Stand Up To Cancer® Credit Card
  • TRIO® Credit Card
  • TRIO® Preferred Credit Card

Typical card features and benefits of a Fifth Third Bank credit card

  • No annual fee. You’ll pay no annual fees for Fifth Third cards, with the exception of the bank’s secured card.
  • Intro APR. Intro periods range from 12 to 15 months.
  • Wide range of APRs. You may qualify for a relatively low or very high APR. The better your credit score, the lower interest rate you’ll likely receive.
  • Mastercard travel protections. Depending on your credit card and the type of Mastercard you receive, you might be eligible for various Mastercard travel protections, such as baggage delay insurance.

Fifth Third Bank rewards program

Although you’ll find two Fifth Third Bank reward programs — cash back and Real Life points — both let you redeem for various rewards.

How can you redeem points and cash back?

To redeem, log in to your Fifth Third online account and click Real life rewards.

How much are points worth?

According to Fifth Third Bank, Real Life Rewards points are worth $0.01 each. You might also find your Real Life Rewards points worth more or less depending on what you redeem your points on.

What can I redeem my rewards on?

The following redemption options are currently offered by Fifth Third Bank:

  • Cash back
  • Gift cards
  • Merchandise
  • Loan and mortgage credit
  • Travel
  • Experiences, such as sporting events or spa treatments

Alternatives to Fifth Third Bank credit cards

Consider these other card providers if Fifth Third Bank isn’t the best choice:

  • Other regional banks.
    Just like Fifth Third Bank has competitive credit card options, other small banks — such as Union Bank and First National Bank of Omaha — can offer surprisingly impressive products.
  • Credit unions.
    Some credit unions — PenFed is an example of a great credit card issuer — offer products that rival or surpass those of big banks. Before signing up for membership, see whether you meet the qualification requirements.
  • Big banks.
    Big banks tend to have the most attractive welcome offers. Many of them have credit cards that edge out comparable cards from smaller banks. For a premium credit card with high-class travel rewards, you’ll find better options with big banks.

How does Fifth Third Bank keep my credit card information secure?

Fifth Third Bank has an SSL certificate issued by Avast. This certificate verifies the authenticity of the bank’s site. When you see it, you can be sure you’re submitting information to Fifth Third Bank and not another entity.

Fifth Third Bank offers Identity Alert for a monthly fee, protecting you with credit reports, identity theft insurance and Social Security monitoring. To safeguard your information, it uses data encryption. This ensures your data is shielded from unauthorized parties.

Is a Fifth Third Bank credit card right for me?

There’s no doubt that Fifth Third Bank offers some solid credit card options. There are two main questions to consider when deciding if you should get one:

  • Do you live in a state that is eligible for a Fifth Third Bank card?
  • Can you qualify for a more lucrative rewards card?

If you can answer yes to the first question, then you should certainly look into these cards. If you can answer yes to the second, then you’re usually better off with a more prestigious card option.

Full list of Fifth Third credit cards

Bottom line

The TRIO® Credit Card is a great choice, going toe to toe with the Bank of America® Cash Rewards credit card. Depending on your needs, you might also like the bank’s flagship 0% intro APR card or charitable product.

If you’re not sure Fifth Third Bank is the right provider for you, check out other cashback cards or 0% intro APR products.

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