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  Fifth Third Secured Card

Fifth Third Secured Card

in Personal Credit Cards from Fifth Third Bank

Unaffiliated

Fifth Third Secured Card

Unaffiliated

in Personal Credit Cards from Fifth Third Bank

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Highlights
Highlights
Community Rating

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Balance Transfer APR  (Variable APR) 25.49%
Credit Score Range 300 - 850
Annual Fee $24
Purchase APR  (Variable APR) Starting at 25.49%

Fifth Third Secured Card Review

Fifth Third Secured Card is a secured credit card credit card issued by Fifth Third Bank. If you're wondering whether Fifth Third Secured Card is the right card for you, read on. This is everything you need to know to make a good choice.

  • High APRs. This is not a great card for people who carry a balance. It has a variable purchase APR starting at 25.49%
  • 4% Balance transfer fee. Fifth Third Secured Card charges a fee of up to 4% on balance transfers. For example, a balance of $1,000 could cost up to $40 in transfer fees. The minimum fee is $5.
  • Charges foreign transaction fees. Avoid using this card when traveling abroad because it charges a commission of 3% every time you make a transaction outside the U.S.
  • Accepts cosigners. Fifth Third Bank is one of the few credit card issuers that allows applicants to include a cosigner. Adding a cosigner can really improve your approval chances if your credit is not great.
  • Secured card. This card requires a refundable deposit before you qualify for a line of credit. These cards are often used to improve the credit of people with poor credit or little credit history.
  • Multiple credit card benefits. Includes generous credit card perks, such as access to a concierge, emergency support, and fraud protection.
  • Poor credit. This card will consider people who have bad credit. Even if you have poor credit, you may still qualify.
The Good The Bad
  • Multiple credit card perks.
  • Considers applicants with fair or poor credit.
  • Fifth Third Secured Card reports to multiple credit bureaus.
  • Access to a concierge.
  • Higher than average purchase APRs.
  • Charges an annual fee of $24
  • Does not offer a signup bonus.
  • Does not offer rewards or cash back.
  • Charges a foreign transaction fee of 3%.
  • You don't earn rewards on every purchase.
  • Charges a 4% balance transfer fee.

Is there a Fifth Third Secured Card cash back or rewards program?

No, Fifth Third Secured Card does not offer a rewards program.

What are the Fifth Third Secured Card benefits?

Fifth Third Secured Card provides the following benefits:

  • Emergency Support
  • Zero fraud liability
  • ID Theft Protection
  • Reports to major credit bureaus

What are the relevant APRs for Fifth Third Secured Card?

According to the Federal Reserve Board, the average interest rate is 15% for all credit cards and 17% for accounts that carry a balance. Fifth Third Secured Card has higher than average purchase APRs.

Fifth Third Secured Card has a variable purchase APR starting at 25.49% . The card has a variable balance transfer APR of 25.49% . It also has a variable cash advance APR starting at 26.49% .

Does Fifth Third Secured Card have an introductory APR offer on balance transfers??

No, Fifth Third Secured Card does not come with an introductory APR offer for balance transfers.

Does Fifth Third Secured Card have an introductory APR offer on new purchases??

Fifth Third Secured Card does not offer an introductory rate on new purchases.

What are the Fifth Third Secured Card fees?

The following fees apply to Fifth Third Secured Card:

Fifth Third Secured Card Fees
Fees Amount
Annual Fee up to $24
Foreign Transaction Fee 3%
Balance Transfer Fee 4%
Minimum Balance Transfer Fee $5
Late Payment Fee $38

Does Fifth Third Secured Card have a foreign transaction fee?

Fifth Third Secured Card charges a foreign transaction fee of 3%. For example, if you spend $2,000 on a week vacation abroad you would pay a foreign transaction fee of $60. If you travel abroad you may want to leave this card at home and apply for one that doesn't charge a foreign transaction fee.

Does Fifth Third Secured Card report your account activity to credit bureaus?

Fifth Third Secured Card reports your account activity to the following credit reporting agencies:

  • Equifax
  • Experian
  • Transunion

Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and can help improve your credit score.

How to apply for Fifth Third Secured Card

  • Visit the Fifth Third Secured Card website.
  • Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, and annual income.
  • Check the information is accurate and submit your application.
  • If you're denied click here to find out why your application may have been rejected and what you can do about it.

If your credit score is preventing you from qualifying for this credit card, check out our guide for the best credit cards for bad credit.

SUPERMONEY Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...

Availability

Alaska Alabama Arkansas Arizona California Colorado Connecticut Washington, D.C. Delaware Florida Georgia Hawaii Iowa Idaho Illinois Indiana Kansas Kentucky Louisiana Massachusetts Maryland Maine Michigan Minnesota Missouri Mississippi Montana North Carolina North Dakota Nebraska New Hampshire New Jersey New Mexico Nevada New York Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Virginia Vermont Washington Wisconsin West Virginia Wyoming
  Available in 48 states and Washington, D.C.
  • Alabama
  • Alaska
  • Arizona
  • Arkansas
  • California
  • Colorado
  • Connecticut
  • Delaware
  • Washington, DC
  • Florida
  • Georgia
  • Hawaii
  • Idaho
  • Illinois
  • Indiana
  • Iowa
  • Kansas
  • Kentucky
  • Louisiana
  • Maine
  • Maryland
  • Massachusetts
  • Michigan
  • Minnesota
  • Mississippi
  • Missouri
  • Nebraska
  • Nevada
  • New Hampshire
  • New Jersey
  • New Mexico
  • New York
  • North Carolina
  • North Dakota
  • Ohio
  • Oklahoma
  • Oregon
  • Pennsylvania
  • Rhode Island
  • South Carolina
  • South Dakota
  • Tennessee
  • Texas
  • Utah
  • Virginia
  • Washington
  • West Virginia
  • Wisconsin
  • Wyoming

Feature Breakdown

No Interest Grace Period for Late Payment 23 days
Cash Advance Fee Minimum $10
Cash Advance Fee (%) Starting at 5%
Minimum Cash Advance Fee ($) Starting at $10
Foreign Currency Transaction Fee 3%
Annual Fee $24
Minimum Interest Charge $1
Late Fee Amount $38
Customer Type Personal
Minimum Age 18
Co-signing Allowed  
Supported Income Types
  • 1099 Misc. Income
  • Cash
  • Direct Deposit (W2, SSA, SSDI)
  • Payroll Check or Prepaid Card
Military Status
  • Active Duty Military
  • Military Dependent
  • Non-Military
  • Veterans
Employment Statuses Considered
  • Employed Full-Time
  • Employed Part-Time
  • Other
  • Retired
  • Self-Employed
  • Unemployed
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Checking Account Required  
Credit Score Range 300 - 850
Card Type
  • Bad Credit
  • Secured
Card Network Mastercard
Credit Bureau Reporting
  • Equifax
  • Experian
  • TransUnion
Emergency Support  
Fraud Liability  
Credit Card Benefits
  • Concierge
  • Emergency Support
  • Fraud Liability
  • Identity Theft Protection
Rewards Type No Rewards
Security Deposit Starting at $300
Cash Advance APR (Variable APR) Starting at 26.49%
Balance Computation Average daily balance (including new purchases)
Credit Limit $0
Purchase APR (Variable APR) Starting at 25.49%
Balance Transfer APR (Variable APR) 25.49%
Balance Transfer Fee Minimum $5
Balance Transfer Fee % 4%

Fifth Third Secured Card Community Reviews

 

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