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Fifth Third 1% Cash/Back

Fifth Third Bank, National Association

Top-25 issuerRegionalVariable · PrimeCredit score 720+
Issuer site ↗
Purchase APR
20.49–29.49%
Annual fee
None
0% intro
15 mo
0% transfer
15 mo
Foreign fee
None
Grace period
23 days

Purchase APR by credit tier

Median rate the issuer reported for each tier

No score
—
≤619
—
620–719
29.49%
720+
20.49%
Lowest offered20.49%
Median26.49%
Highest offered29.49%

Introductory purchase APR

Promotional window: 15 months

The intro rate was not broken out by credit tier — the issuer reported a single range.

Lowest offered0%
Median0%
Highest offered0%

Balance transfer APR

Promotional window: 15 months · grace period retained on purchases

The transfer rate was not broken out by credit tier — the issuer reported a single range.

Lowest offered0%
Median0%
Highest offered0%

Cash advance APR

The cash advance rate was not broken out by credit tier — the issuer reported a single range.

Lowest offered28.74%
Median28.74%
Highest offered28.74%

Every fee on this card

Annual feeNone
Balance transfer fee4% (min $5)
Cash advance fee5% (min $10)
Foreign transaction feeNone
Purchase transaction feeNone
Late fee$30
Repeat late fee (6 mo)$41
Over-limit feeNone
Minimum finance charge$1.50
Balance computationAverage daily balance including new purchases

Rewards, benefits and features

Rewards
  • Cashback rewards
Services

None reported

Features
  • Contactless Payments
  • Chip card
  • Fee-free foreign transactions
  • Mobile wallet provisioning (for example, Apple Pay)

Who can get this card

AvailabilityRegional
StatesAL, FL, GA, IL, IN, KY, MI, NC, OH, SC, TN, WI, WV
Membership requirementsOpen to the public
Phone18009723030
Balance transfer calculator
Stay put — 15 mo at 24%$750
Transfer fee (4%)$200
Promo interest at 0.00%$0
You save$550

Assumes you pay the balance down evenly across the 15-month promotional window, so the average outstanding balance is about half the transfer. Rates revert to 26.49% afterwards.

Cost to carry a balance
Interest for a year at 26.49%$794.70
Annual / periodic fees$0
Total yearly cost$794.70

Simple interest on a constant balance — a plain-language upper bound rather than an amortisation schedule. Paying in full each month within the 23-day grace period avoids the interest entirely.

Cardholder agreements

5 documents filed by Fifth Third Bank, National Association in the 2026 Q1 archive.

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