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$0
Annual fee
0%
Intro purchase APR
for the first 15 billing cycles (then 14.24% to 25.24% variable)
0%
Intro balance transfer
for the first 15 billing cycles (then 14.24% to 25.24% variable)
14.24% to 25.24%
Balance transfer APR (variable)
Review by
Kevin Joey Chen is a credit cards, banking and investments writer whose work and analysis have appeared on CNN, U.S. News & World Report, Business.com, Lifehacker and CreditCards.com. He's passionate about helping you get your finances in order by expertly navigating cutting-edge financial tools — including credit cards, apps and budgeting software.
The Truly Simple® Credit Card from Fifth Third Bank could be a good pick if you want a no-annual-fee card with a strong promotional interest rate.
You won’t find any rewards and there’s no signup bonus, but it does have one of the lowest APRs after the intro period passes, especially if you have a great credit history.
Due to automated preapproval, you’ll likely get a decision within a minute. In the event that more information is needed, Fifth Third Bank will send an answer within 30 days. Upon approval, you should receive your card in the mail within 7 to 10 business days.
The bank has more than 1,200 locations across 10 states:
You get a 0% intro APR period on balance transfers for the first 15 billing cycles following your account opening. If you still have a balance after that, your account will accrue interest at an APR of 14.24% to 25.24% variable.
For each transfer you make, you’ll pay a fee of either $5 or 4% of the transaction, whichever is greater. This means a balance transfer of $3,000 will cost you $120.
To apply for the card, you must be at least 18 years old and a citizen or permanent resident of the US.
During your application process, you’ll need to provide:
You’ll have a better chance of approval for this card if you apply with a good to excellent credit score of 670 or higher. Of course, a higher credit score and lower credit utilization will get you a lower APR and a higher credit limit.
The Better Business Bureau rates the Fifth Third Bank with an A+, and it accredited the bank back in 1928.
Most card users claim they are happy with the credit line they received, and those who got an APR in the lower range are thrilled they applied for the card.
This is a card with no annual fee and with a long intro APR period on purchases and balance transfers. If that’s what you’re looking for, you could be happy with this card.
Otherwise, you may want to consider other low APR or balance transfer credit cards to find the best one for you.