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  Fifth Third Bank Truly Simple Credit Card

Fifth Third Bank Truly Simple Credit Card

in Personal Credit Cards from Fifth Third Bank

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Fifth Third Bank Truly Simple Credit Card

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in Personal Credit Cards from Fifth Third Bank

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Highlights
Highlights
Balance Transfer APR  (Variable APR) 13.49% - 24.49%
Credit Score Range 640 - 850
Annual Fee $0
Purchase APR  (Variable APR) 13.49% - 24.49%

Fifth Third Bank Truly Simple Credit Card Review

Fifth Third Bank Truly Simple Credit Card is a credit 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. This is everything you need to know to make a good choice.

  • 0% balance transfer intro rate. Offers an introductory APR rate on balance transfers of 0% for up to 15 months , which is longer than the average 0% APR period of 12 months.
  • Competitive APRs. Fifth Third Bank Truly Simple Credit Card has a variable purchase APR of up to 24.49%.
  • 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.
  • Multiple credit card benefits. Includes generous credit card perks, such as emergency support, extended warranty protection on purchases, price protection, travel assistance, and fraud protection.
  • Fair or better credit required. You stand a chance of qualifying if your credit score is not below 640.
The Good The Bad
  • Lower than average purchase APRs.
  • No annual fee.
  • Has an introductory APR rate on balance transfers of 0%.
  • Multiple credit card perks.
  • Fifth Third Bank Truly Simple Credit Card reports to multiple credit bureaus.
  • Extended warranty and price protection on purchases.
  • Travel assistance insurance
  • 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.

Is there a Fifth Third Bank Truly Simple Credit Card cash back or rewards program?

No, Fifth Third Bank Truly Simple Credit Card does not offer a rewards program.

What are the Fifth Third Bank Truly Simple Credit Card benefits?

Fifth Third Bank Truly Simple Credit Card provides the following benefits:

  • Emergency Support
  • Extended Warranty Protection
  • Zero fraud liability
  • Price Protection
  • Cellular Telephone Protection
  • Travel Assistance
  • ID Theft Protection
  • 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 interest rate is 15% for all credit cards and 17% for accounts that carry a balance. Fifth Third Bank Truly Simple Credit Card has lower than average purchase APRs.

Fifth Third Bank Truly Simple Credit Card has a variable purchase APR that ranges from 13.49% up to 24.49%. The card has a variable balance transfer APR that ranges from 13.49% up to 24.49%. It also has a variable cash advance APR starting at 26.49% .

Does Fifth Third Bank Truly Simple Credit Card have an introductory APR offer on balance transfers??

Yes, Fifth Third Bank Truly Simple Credit Card offers an introductory APR rate on balance transfers of 0% for a period of up to 15 months.

Fifth Third Bank Truly Simple Credit Card Balance Transfers
Description
Balance Transfer APR 13.49% - 24.49%
Introductory Rate 0%
Intro APR period (months) 15

Does Fifth Third Bank Truly Simple Credit Card have an introductory APR offer on new purchases??

This card does offer an introductory APR rate of 0% on qualified purchases for a period of up to 15 months.

What are the Fifth Third Bank Truly Simple Credit Card fees?

The following fees apply to Fifth Third Bank Truly Simple Credit Card:

Fifth Third Bank Truly Simple Credit Card Fees
Fees Amount
Annual Fee $0
Foreign Transaction Fee 3%
Balance Transfer Fee 4%
Minimum Balance Transfer Fee $5
Late Payment Fee $38

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 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 Bank Truly Simple Credit Card report your account activity to credit bureaus?

Fifth Third Bank Truly Simple Credit 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 Bank Truly Simple Credit Card

  • Visit the Fifth Third Bank Truly Simple Credit 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 Annual Fee  
Annual Fee $0
No Interest Grace Period for Late Payment 23
Foreign Currency Transaction Fee 3%
Minimum Interest Charge $1
Balance Transfer Fee Minimum $5
Balance Transfer Fee % 4%
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
Card Type
  • Balance Transfer
  • Zero Percent
Card Network
  • Mastercard
Credit Bureau Reporting
  • Equifax
  • Experian
  • TransUnion
Emergency Support  
Fraud Liability  
Extended Warranty  
Credit Card Benefits
  • Cellular Telephone Protection
  • Emergency Support
  • Extended Warranty Protection
  • Fraud Liability
  • Identity Theft Protection
  • Price Protection
  • Travel Assistance
Cash Advance APR (Variable APR) Starting at 26.49%
Purchase APR (Variable APR) 13.49% - 24.49%
Introductory Rate 0%
Balance Computation Average daily balance (including new purchases)
Intro APR period 15
Balance Transfer APR (Variable APR) 13.49% - 24.49%
Introductory Rate 0%
Intro APR period 15

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