Truly Simple Card: A no-frills card with a strong intro APR

Truly Simple®: A no-frills card with a strong intro APR

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You may not be wowed by its perks. But it offers a competitive 0% APR for 15 months.

Product NameTruly Simple® Credit Card
Intro APR for Balance Transfer0% Intro APR for 15 billing cycles (with amount of each transfer, whichever is greater: $5 or 4% balance transfer fee)
Balance Transfer Rate (not intro)13.49% to 24.49% variable
APR for Purchases ( Purchase Rate )13.49% to 24.49% variable
Annual fee$0
Cash Advance Rate26.49% variable
Card TypeMastercard
Interest Free Period
The interest-free period on purchases is the period or number of days you do not have to pay interest on your card purchases. You will be charged interest either from the day you make a purchase or from the statement date, unless you pay the closing balance in full by the due date (or within the interest-free period) on your statement.
Up to 23 days
Returned Payment Fee$0
Foreign Currency Conversion Fee (MC)
Foreign currency conversion fees are charged when you make a transaction that is converted by a credit card network, such as MasterCard, Visa or American Express, from Australian dollars to a foreign currency. You’ll also incur a currency conversion fee if you make a purchase or obtain a cash advance in Australian dollars while overseas or shopping online with a foreign merchant or financial institution.
3% of transaction value
Minimum Interest$1
Minimum Credit ScoreFair (660-699)
Minimum Age18 years of age
Annual fee$0
Returned Payment Fee$0
Over The Credit Line Fee$0
Late Payment Fee$38
Cash Advance Fee$5 or 4% of the amount of each Cash Advance, whichever is greater

Our review

The Truly Simple Card is a good pick if you want no annual fee and a strong promo interest rate. It offers 0% APR for 15 billing cycles on purchases and balance transfers, making it competitive with some of the top balance transfer cards on the market.

The card doesn’t come with rewards, however. If that’s what you’re looking for, consider a product like the Discover it Card, which offers a great intro APR and up to 5% cash back.

Should you get the Truly Simple Credit Card?

  • If you want a no-frills card with a strong intro APR, the Truly Simple Card may be a good choice.
  • If you want rewards, look elsewhere. Notably, the Discover it Card offers an attractive combination of rewards and 0% APR.

The perks

    A $0 annual fee makes it easy to keep the Truly Simple Credit Card long term.
  • INTRO APR: 0% on purchases and balance transfers for 15 billing cycles.
    This strong introductory APR makes the card a lot more valuable. 15 billing cycles is a long period for 0% interest, putting the Truly Simple Credit Card in competition with some of the top balance transfer cards on the market.Like many cards with long 0% APR periods, the Truly Simple card doesn’t offer rewards. If you want an intro APR and rewards, consider a product like the Discover it Card or BankAmericard Cash Rewards.

You’ll also like …

  • Cell phone protection.
    When you pay your wireless bill with your card, you’ll qualify for Fifth Third Bank Cell Phone Protection. This covers costs of your damaged or stolen phone for up to $200. The first two additional phones on your wireless phone bill are also covered.The Cell Phone Protection plan comes with a $50 deductible per claim.

Other benefits

  • No penalty APR, and no over-the-credit-limit fee.
  • Price protection. Receive partial reimbursement if you find a lower price on an item you purchased with your card.
  • Extended warranties. Covers items you purchase with your card.
  • Mastercard Priceless Cities. Receive special offers like private event invitations and tickets to exclusive events.
  • Mastercard Airport Concierge. Helps you get through immigration quicker, assists with baggage, provides transportation and more.
  • Mastercard Global Services. Emergency card replacement, emergency cash advances and more.
Rates last updated May 20th, 2018
Name Product Product Description Intro APR for Balance Transfer APR for Purchases ( Purchase Rate ) Annual fee Minimum Credit Score
Truly Simple® Credit Card
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 13.49% to 24.49%.
0% Intro APR for 15 billing cycles (with amount of each transfer, whichever is greater: $5 or 4% balance transfer fee)
13.49% to 24.49% variable
Fair (660-699)
Citi Simplicity® Card
This is the only card with No Late Fees, No Penalty Rate and No Annual Fee - Ever. Give it a try and apply to find out what the Citi Simplicity® Card can do for you.
0% Intro APR for 18 months from date of first transfer; completed within 4 months (with whichever is greater, $5 or 5% balance transfer fee)
15.49% to 25.49% variable
Good (700-739)
Discover it® Card
Earn 5% Cash Back in rotating categories each quarter like gas stations, restaurants,, wholesale clubs and more, up to the quarterly maximum each time you activate. Plus unlimited 1% cash back on all other purchases.
0% Intro APR for 14 months from date of first transfer (with per transfer, 3% balance transfer fee)
12.24% to 24.24% variable
Fair (660-699)

Compare up to 4 providers

How does a balance transfer work with this card?

What to watch out for

  • Potentially high APR.

The card’s APR spans from 13.49% to 24.49% variable. If you have a weaker credit history, you may be approved for an interest rate at the higher end of that range.

With APRs averaging around 16%, 24.49% is high.
How does credit card interest work?

What to know before you apply

To apply for the Truly Simple Card, you must be at least 18 years old. You must also be a citizen or permanent resident of the US.

Always consider your options and your financial situation before you apply for a credit card.

Information you’ll need

  • Your full name and contact information.
  • Your residential status.
  • Your annual income, source of income and employment information.
  • Your Social Security number.
  • A valid driver’s license or state ID.

What credit score do I need?

You’ll have a better chance of approval for this card if you apply with a good to excellent credit score of 680 to 850.
What’s a good credit score?

How to apply for the How to apply for the Discover it Card

1. Go to the Fifth Third Bank website and click Apply Now.

Truly Simple Credit Card from Fifth Third Bank step 1

2. Select whether you’re an existing Fifth Third customer. Also, select whether you’re a citizen or permanent resident of the US.

Truly Simple Credit Card from Fifth Third Bank step 2

3. Complete the application with details like your name, address, annual income and Social Security number.
4. Review and submit your application.

Truly Simple Credit Card from Fifth Third Bank step 4

How long will it take to be approved?

Fifth Third Bank sends a decision on approval within 30 days.

I got the card. Now what?

  • Make timely payments.Pay your card bill online at the Fifth Third Bank website.
  • Avoid interest.After the close of each billing cycle, you have a grace period of 23 days to pay your balance. If you do, you won’t pay interest on your purchases.
  • Avoid fees.Late payments come with fees of up to $38. Balance transfers and cash advances also come with fees.
  • Customer service.If you have questions, contact Fifth Third Bank support at 800-972-3030.

Bottom line

The Truly Simple Credit Card’s biggest benefits are its $0 annual fee and strong intro APR.

It doesn’t offer much else, but that may not be a big deal if you’re looking for a straightforward card.

Frequently asked questions

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