Carrying $3k for a year ≈ $794.70
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64
Fifth Third Employee Credit Card
Fifth Third Bank, National Association
Top-25 issuerRegionalVariable · PrimeCredit score 720+
Purchase APR
8.99%
Annual fee
None
0% intro
None
0% transfer
None
Foreign fee
3%
Grace period
23 days
Purchase APR by credit tier
Median rate the issuer reported for each tier
The purchase rate was not broken out by credit tier — the issuer reported a single range.
Lowest offered8.99%
Median8.99%
Highest offered8.99%
Cash advance APR
The cash advance rate was not broken out by credit tier — the issuer reported a single range.
Lowest offered21.99%
Median21.99%
Highest offered21.99%
Every fee on this card
Annual feeNone
Balance transfer fee4% (min $5)
Cash advance fee5% (min $10)
Foreign transaction fee3%
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
- 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
This card does not offer a balance transfer rate.
Cost to carry a balance
Interest for a year at 8.99%$269.70
Annual / periodic fees$0
Total yearly cost$269.70
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
20.49–29.49%
Annual fee
None
Foreign fee
None
0% purchases · 15 mo0% transfers · 15 mo
Top-25 issuer720+Cashback
Purchase APR
18.99–28.99%
Annual fee
None
Foreign fee
None
0% transfers · 12 mo
Top-25 issuer720+Cashback
Carrying $3k for a year ≈ $779.70
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