Purchase APR
20.49–29.49%
Annual fee
None
Foreign fee
None
0% purchases · 15 mo0% transfers · 15 mo
Top-25 issuer720+Cashback
Carrying $3k for a year ≈ $794.70
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50
Fifth Third 1.67% Cash/Back & 2% Preferred Cash/Back
Fifth Third Bank, National Association
Top-25 issuerRegionalVariable · PrimeCredit score 720+
Purchase APR
18.99–28.99%
Annual fee
None
0% intro
None
0% transfer
12 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
28.99%
720+
19.99%
Lowest offered18.99%
Median25.99%
Highest offered28.99%
Balance transfer APR
Promotional window: 12 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 — 12 mo at 24%$600
Transfer fee (4%)$200
Promo interest at 0.00%$0
You save$400
Assumes you pay the balance down evenly across the 12-month promotional window, so the average outstanding balance is about half the transfer. Rates revert to 25.99% afterwards.
Cost to carry a balance
Interest for a year at 25.99%$779.70
Annual / periodic fees$0
Total yearly cost$779.70
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.
More from this issuer
Purchase APR
8.99%
Annual fee
None
Foreign fee
3%
Top-25 issuer720+Cashback
Carrying $3k for a year ≈ $269.70
Purchase APR
27.74%
Annual fee
$24
Foreign fee
3%
SecuredTop-25 issuerNo score620–719
Carrying $3k for a year ≈ $856.20 incl. $24 fee
Purchase APR
12.99%
Annual fee
None
Foreign fee
None
Top-25 issuer720+Cashback
Carrying $3k for a year ≈ $389.70