Truly Simple® Credit Card review

How to apply for the Truly Simple® Credit Card

1. Go to the Fifth Third Bank website and find the Truly Simple® Credit Card from the list of cards. Click Apply now.
2. Complete the application form with your personal details.
3. Review and submit your application.

• See screenshots of the application form

  

  

How long will it take to get my Truly Simple® Credit Card?

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 perks

• Intro APR period. Enjoy a long 0% intro APR period on balance transfers and purchases for the first 15 billing cycles following your account opening. After that, your rate reverts to a 11.99% to 22.99% variable. This is one of the longest intro APR periods you can get when compared to other cards.
• No annual fee. The card comes with no annual fee, so it’ll cost nothing to own.

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 if your phone is damaged or stolen 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.
• No penalty APR. This is one of the rare cards without a penalty APR. Other cards have a penalty APR of up to 30%, which applies as soon as you make a single late or returned payment. What’s worse is that you can be stuck with these penalty APRs indefinitely.
• Shopping benefits. Receive a partial reimbursement if you find a lower price on an item you purchased with your card. Also, get extended warranties for eligible items.
• Mastercard travel benefits. Receive special offers like private event invitations and tickets to exclusive events with Priceless® Cities. Also, get airport concierge to help you pass through immigration quicker, assist you with baggage and more.
• Digital wallets. The card supports Fifth Third Masterpass, Apple Pay, Samsung Pay, Google Pay and Microsoft Wallet to help you pay faster.

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Name	Product	Amount saved	Balance transfer APR	Balance transfer fee	Recommended minimum credit score	Filter values
Citi® Diamond Preferred® Card			0% intro for the first 18 months (then 14.74% to 24.74% variable)	$5 or 3% of the transaction, whichever is greater	670		Best of Finder 2021 An impressive 18 months intro APR on balance transfers and purchases, as well as no annual fee make this one of the top 0% APR cards available.	Apply at Citi View details	Compare	loading Fetching your data...
Citi® Double Cash Card			0% intro for the first 18 months (then 13.99% to 23.99% variable)	$5 or 3% of the transaction, whichever is greater	670		Get a strong 18 month 0% intro APR on balance transfers AND up to 2% back. This is a rare card that offers both rewards and balance transfers.	Apply at Citi View details	Compare	loading Fetching your data...
TD Cash Credit Card			0% intro for the first 15 months (then 12.99%, 17.99% or 22.99% variable)	$5 or 3% of the transaction, whichever is greater	680		3% on dining and 2% on groceries make this a valuable card for food purchases. Available in: CT, DC, DE, FL, MA, MD, ME, NC, NH, NJ, NY, PA, RI, SC, VA, VT	Apply now View details	Compare	loading Fetching your data...

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What to watch out for

• No signup bonus. Most credit cards offer a signup bonus when you meet certain criteria. Unfortunately, this card doesn’t have one.
• Potentially high APR. The card’s APR spans from 11.99% to 22.99% 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%, 22.99% is high.
• Foreign transaction fees. For each transaction you make abroad, you’ll pay 3%. This may not seem like much, but it can add up quickly over a trip spanning several days.

How does a balance transfer work with this card?

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 11.99% to 22.99% 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.

What should I know before I apply?

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:

• Your full name and contact information.
• Your residential status.
• Your annual 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 670 or higher. Of course, a higher credit score and lower credit utilization will get you a lower APR and a higher credit limit.

Truly Simple® Credit Card reviews and complaints

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.

I got the card. Now what?

• Download the Fifth Third Mobile Banking app. Use it to transfer money and pay your bills, track your transactions, find an ATM and more.
• Avoid interest. Your grace period is 23 days after the close of each billing cycle. Pay your balance by then to avoid paying interest on your purchases.
• Avoid fees. Late payments come with fees of up to $40. Balance transfers, cash advances and foreign transactions also come with fees.
• Customer service. Call Fifth Third Bank support at 800-972-3030 for any questions you may have.

Bottom line

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.

Frequently asked questions

• Does the card have a signup bonus?

  No, the card has no signup bonus.

• Does the card have an annual fee?

  No, the card has no annual fee.

• Why should I get a balance transfer card?

  A balance transfer card can be useful if you’re paying heavy interest on your current credit cards. Such a card allows you to move your existing balance to another card offering low or no interest for a period of time. This can help you save money and pay off your debt faster.