Stand Up To Cancer Credit Card review | finder.com

Stand Up To Cancer® Credit Card review – November 2018

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You can generate passive donations with this card, but other cashback cards can offer stronger rewards.

30-second take

  • Get this card if you want to donate to Stand Up To Cancer and want a conversation-starting product.
  • Pick something else if you want to earn even more rewards.
  • Apply with a good to excellent credit score of 670 or higher.
Product NameStand Up To Cancer® Credit Card
Card TypeMastercard
Annual Fee$0
APR (Annual Percentage Rate) for Purchases14.74% to 25.74% variable
Introductory Purchase APR0% for the first 12 billing cycles (then 14.74% to 25.74% variable)
Introductory Balance Transfer APR 0% for the first 12 billing cycles (then 14.74% to 25.74% variable)
Balance Transfer Fee$5 or 4% of the transaction, whichever is greater
Cash Advance Rate24.99% variable
Foreign Transaction Fee3% of the transaction value
Cash Advance Fee$5 or 4% of the cash advance amount, whichever is greater
Interest Free PeriodUp to 23 days
Late Payment FeeUp to $38
Minimum Age18 years of age
Reward Value per Dollar1 points

The basics

When you do the math, some charity credit cards don’t contribute much to their partner organizations. The Stand Up To Cancer® Credit Card is different, allowing you multiple ways to support Stand Up To Cancer (SU2C) with contributions that can add up substantially.

You can potentially earn more with a stronger rewards card by cashing out rewards and forwarding a contribution to SU2C yourself.

The perks

  • Annual fee: $0.

    Passively contribute to SU2C with everyday spending over the long term with no annual fee.

  • Rewards: 1x points on all purchases.

    You’ll earn 1 Real Life Rewards point for every dollar you spend on all purchases. Redeem points for donations to SU2C, gift cards, statement credit or cash deposits to your Fifth Third account.

  • Contribute to Stand Up To Cancer’s mission.

    If you redeem your points for a donation to SU2C, Fifth Third matches it at the cash equivalent of 10% of the donation amount. The provider also donates $5 for each active Stand Up To Cancer® Credit Card in its system annually and 0.2% of each eligible purchase to the organization.

  • Intro APR on purchases and balance transfers.

    Take advantage of a 0% intro APR on purchases and balance transfers in your first 12 billing cycles. After that, your APR reverts to a variable 14.74% to 25.74%.

You’ll also like …

  • Purchase and travel benefits.

    Worry-free shopping features include price protection and extended warranties on eligible items you buy with your card. When you pay your cellphone bill with your Stand Up To Cancer® Credit Card, you’ll also get coverage for your smartphone against theft or damage.

    Mastercard Airport Concierge allows you to arrange for a rep to meet you once you land at an airport. They can help you with immigration processes, transporting luggage, lining up chauffeured transportation and more.

  • Zero liability and ID theft protection.

    Protect yourself from unauthorized purchases and identity theft with help restoring your credit after an incident.

What to watch out for

  • Potentially high APR.

    Depending on your creditworthiness, Fifth Third Bank may extend purchase and balance transfer APR that’s as high as 25.74% variable. The average credit card APR is around 16%.

Consider other cards if …

  • You want to contribute more to Stand Up To Cancer.

    This card can help you generate donations to SU2C with everyday spending. But to squeeze every dollar you can for the organization, you might earn more with a great cashback card. After earning your rewards, you can then redeem and donate them to SU2C.

    The Chase Freedom Unlimited® credit card is a solid choice, offering 1.5% cash back on all purchases. So is the Citi® Double Cash Card: It offers 1% on all purchases and another 1% as you pay them off.

  • You want a credit card that helps you donate to a variety of charities.

    Look into the Charity Charge World Mastercard®. It offers 1% cash back on all purchases, which are automatically donated to up to three nonprofits of your choice. Select from 501(c)(3) organizations, religious organizations or K-12 schools.

Compare cashback credit cards

Name Product Filter values Annual Fee APR for Purchases (Purchase Rate) Intro APR for Balance Transfer
$95
14.99% to 25.99% variable
0% for the first 12 months (then 14.99% to 25.99% variable)
Earn $200 bonus cash back after you spend $1,000 on purchases in the first 3 months. Rates & Fees
$0
14.99% to 25.99% variable
0% for the first 15 months (then 14.99% to 25.99% variable)
Earn a $150 bonus statement credit after you spend $1,000 on purchases in the first 3 months. Rates & Fees
$0
14.99% to 25.99% variable
0% for the first 15 months (then 14.99% to 25.99% variable)
Earn up to $250 back. Earn $150 back after you spend $1,000 or more in purchases with your new card within the first 3 months of Card Membership. Plus, earn an additional $100 back after you spend an additional $6,500 in purchases within your first 12 months. You will receive the cash back in the form of a statement credit. Rates & Fees
$0
14.99%, 18.99% or 24.99% variable
0% for the first 15 months (then 14.99%, 18.99% or 24.99% variable)
Earn unlimited 1.5% cash rewards on purchases. See Rates and Fees.
$0 to $99
19.99% to 25.99% variable
Get 1% cash back rewards on eligible purchase, terms apply.

Compare up to 4 providers

What should I know before I apply?

To apply for the Stand Up To Cancer® Credit Card, you must be at least 18 years old.

Required information

  • Your name, address and contact details.
  • Financial information, like your total annual income.
  • Identifying information, such as your Social Security number.

What credit score do I need?

To increase your chances of approval, apply with a good to excellent credit score of 670 or higher.

What do customers say about the Stand Up To Cancer® Credit Card?

You won’t find many online customer reviews for this card. The few we found were from cardholders happy about fast approval and a high credit limit.

Accredited by the Better Business Bureau, Fifth Third Bank earns an A+ from the BBB. Yet, it also earns almost 900 customer complaints at the time of writing, many related to unhelpful customer service. Most complaints have been answered or resolved according to the BBB, which is a good sign of support.

How to apply for the Stand Up To Cancer® Credit Card

  1. Go to Fifth Third’s website and click Credit Cards from the Bank drop-down in the top nav.
  2. Find the Stand Up To Cancer® Credit Card and click Apply Now.
  3. Complete the application with details like your name, address, contact info, Social Security number and financial information.
  4. Review and submit your application.

How long will it take to get my Stand Up To Cancer® Credit Card?

You’ll typically receive a decision within a few days, though it may take up to a few weeks to hear back if there are issues with your application. If you’re approved, expect the card in the mail within 10 business days.

I got the card. Now what?

  • Sign up for an online account. Monitor your spending, pay bills and check in on your rewards easily.
  • Avoid interest. To avoid unnecessary interest on your purchases, pay off your card bill within the grace period. Balance transfers accrue interest from the day you make them.
  • Avoid fees. For each late payment, you could pay a fee as high as $38.
  • Keep track of your rewards. Redeem your points for donations to SU2C, gift cards, statement credit and more.
  • Get help. Call 800-972-3030 or the number on the back of your card to speak with a personal banking rep.

Bottom line

The Stand Up To Cancer® Credit Card offers the potential to donate to a worthy cause with everyday spending. But you might be able to donate more with an excellent rewards card offering stronger cash back.

Frequently asked questions

Images: Fifth Third Bank

Kevin Joey Chen

Kevin Chen is a world-travelin', copy-writin', Game of Thrones-watchin' credit cards writer for finder.com. When he's not crunching the numbers on bonus points and comparing APRs, you can find him flying around the world in search of the perfect beer.

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