Detected in the CFPB-filed cardholder agreements from Fifth Third Bank, National Association. Verbatim quotes below — CardSleuth flags the language; this isn't legal advice.
Forced arbitration with no opt-out found — you likely can't take this issuer to court, and there's no way to reject it.
Forced arbitration
You give up your right to sue in court — disputes are pushed into private arbitration.
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“…ng, and (e) your use of the Card and the Account. If you are a Covered Borrower, you and we will only arbitrate if you choose to arbitrate. We cannot elect to arbitrate a Claim with a Covered Borrower. If you are not a Covered Borrower, you and we each agree that any Claim will be arbitrated instead of litigated in…”
You waive your right to have a dispute heard by a jury.
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“…ated Contact Information. You agree to notify us within 15 days after changing your e-mail address, mailing address, or phone number. ARBITRATION AND JURY TRIAL WAIVER NOTE: If you are a Covered Borrower under the Military Lending Act Regulations, you are not required to submit to arbitration in the case of a disp…”
“…than certain participation fees for a credit card account). To receive this disclosure by phone, please call 877-899-0815, option 4. ARBITRATION AND JURY TRIAL WAIVER NOTE: If you are a Covered Borrower under the Military Lending Act Regulations, you are not required to submit to arbitration in the case of a disp…”
The issuer reserves the right to change your rates, fees and terms at any time.
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“…stency between the AAA Rules and this arbitration provision, this provision will govern. 30. Changes to this Agreement. Subject to Applicable Law, we can change this Agreement at any time, regardless of whether you have access to your Account, by adding, deleting or modifying any provision (including increasing any rate of interest cha…”
“…istency between the AAA Rules and this arbitration provision, this provision will govern 28. Changes to this Agreement. Subject to Applicable Law, we can change this Agreement at any time, regardless of whether you have access to your Account, by adding, deleting or modifying any provision (including increasing any rate of interest cha…”
The purchase rate was not broken out by credit tier — the issuer reported a single range.
Lowest offered27.74%
Median27.74%
Highest offered27.74%
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 fee$24
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
None reported
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 27.74%$832.20
Annual / periodic fees$24
Total yearly cost$856.20
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.