Last Updated: 07/28/2025
Fifth Third Bank Truly Simple® Credit Card
Unaffiliated
in Credit Cards from Fifth Third Bank
Last Updated: 07/28/2025
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Highlights
Purchase APR (Variable APR)
14.24% - 25.24%(Verified 06/21/2024)
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Balance Transfer APR (Variable APR)
14.24% - 25.24%(Verified 06/21/2024)
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Credit Score Range
650 - 850
Annual Fee
$0
Fifth Third Bank Truly Simple® Credit Card Review
This is a card issued by Fifth Third Bank. If you're wondering whether Fifth Third Bank Truly Simple® Credit Card is the right card for you, read on.
Key Takeaways
- 0% Intro APR balance transfer intro rate. Offers an introductory 0% APR rate on balance transfers for 18 months.
- 0% APR on new purchases. New cardholders receive an introductory 0% APR rate on new purchases for 15 months.
- APRs: Fifth Third Bank Truly Simple® Credit Card has a variable regular purchase APR that ranges from 14.24% up to 25.24%.
- No annual fee. This is a great option for people looking for a low-maintenance card. It gives you the benefits of a credit card , but you don't have to pay an annual fee for the privilege.
- A 4% balance transfer fee. Fifth Third Bank Truly Simple® Credit Card charges a fee of 4% on balance transfers. For example, a balance of $1,000 could cost $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 up to 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.
- Multiple credit card benefits. Includes generous credit card perks, such as emergency support, extended warranty protection on purchases, identity theft protection, price protection, travel assistance, and fraud protection.
- Fair or better credit required. You will have good approval odds if you have a fair credit score or better.
Pros & Cons of Fifth Third Bank Truly Simple® Credit Card
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Fifth Third Bank Truly Simple® Credit Card FAQ
Does Fifth Third Bank Truly Simple® Credit Card have a cash back or rewards program?
No, it does not offer a rewards program.
| Description |
- Emergency Support
- Extended Warranty Protection
- Zero fraud liability
- Price Protection
- Cell Phone Protection
- Travel Assistance
- Reports to major credit bureaus
What are the relevant APRs for Fifth Third Bank Truly Simple® Credit Card?
According to the Federal Reserve Board, the average regular APR for accounts that carry a balance (as of November 2024) is 22.80%. This card has lower than average regular APRs.Fifth Third Bank Truly Simple® Credit Card has a variable purchase APR that ranges from 14.24% up to 25.24%. The card has a variable balance transfer APR that ranges from 14.24% up to 25.24%. It also has a variable cash advance APR of 27.24% .
Does Fifth Third Bank Truly Simple® Credit Card have an intro APR offer on balance transfers?
Yes, it offers an intro APR rate on balance transfers of 0% for a period of 18 months.
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer APR | 14.24% - 25.24% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Introductory APR | 0% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Intro APR Period | 18 months | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Fee % | Starting at 4% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Fee Minimum | $5 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
Does Fifth Third Bank Truly Simple® Credit Card have an intro APR offer on new purchases?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Introductory Rate | 0% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Purchase Intro APR Period | 15 months | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
This card does offer an intro APR rate of 0% on qualified purchases for a period of 15 months.
What are the fees for Fifth Third Bank Truly Simple® Credit Card?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Foreign Currency Transaction Fee | Starting at 3% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Annual Fee | $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Late Fee Amount | Up to $40 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Cash Advance Fee ($) | Starting at $10 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Cash Advance Fee (%) | Up to 5% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost card.
Does Fifth Third Bank Truly Simple® Credit Card have a foreign transaction fee?
Fifth Third Bank Truly Simple® Credit Card charges a foreign transaction fee of up to 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 foreign transaction fees.What is the customer service phone number for Fifth Third Bank Truly Simple® Credit Card?
The customer service number for Fifth Third Bank Truly Simple® Credit Card is (866) 671-5353.
What is the support contact email for Fifth Third Bank Truly Simple® Credit Card?
The support contact email for Fifth Third Bank Truly Simple® Credit Card is info@53.com.
What is the login page for Fifth Third Bank Truly Simple® Credit Card?
You can access the login page of Fifth Third Bank Truly Simple® Credit Card here.
How do people rate the customer service and user experience of Fifth Third Bank Truly Simple® Credit Card?
We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.
Does Fifth Third Bank Truly Simple® Credit Card report your account activity to credit bureaus?
Yes, Fifth Third Bank Truly Simple® Credit Card reports to the following credit bureaus:
- 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 may help build your credit.
Does Fifth Third Bank perform a hard credit pull?
Yes, Fifth Third Bank Truly Simple® Credit Card performs a hard credit pull when you apply for a loan. Additionally, it doesn't provide the option to check your rates using a soft credit pull, a feature that many lenders offer.
Click here to get prequalified rates from multiple leading lenders without a hard credit pull. However, if you accept a loan offer, a hard credit pull will likely be performed.
How to apply for Fifth Third Bank Truly Simple® Credit Card
- Visit the website of Fifth Third Bank Truly Simple® Credit Card.
- 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 your credit score is preventing you from qualifying for this credit card, check out our guide for the best credit cards for bad credit.
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