Fifth Third Bank Truly Simple Credit Card Reviews
0% intro for the first fifteen billing cycles (and then 11.99% to 22.99% variable)
Purchase April
Details
- Features
- Fees
| Annual fee | $0 |
|---|---|
| Welcome offer | North/A |
| Rewards | Due north/A |
| Purchase APR | 0% intro for the first 15 billing cycles (then 11.99% to 22.99% variable) |
| Remainder transfer APR | 0% intro for the first 15 billing cycles (so 11.99% to 22.99% variable) |
| Minimum Credit Score | 670 |
| Issuer | Mastercard |
Review past
Kevin Joey Chen
kevin.chen@findercrew.comKevin Joey Chen is a credit cards, cyberbanking and investments writer whose piece of work and assay have appeared on CNN, U.Due south. News & World Written report, Business.com, Lifehacker and CreditCards.com. He's passionate about helping you become your finances in order by expertly navigating cutting-border financial tools — including credit cards, apps and budgeting software.
Expert review
The Truly Simple® Credit Card from Fifth Third Bank could be a adept pick if yous want a no-almanac-fee card with a strong promotional interest rate.
You won't detect any rewards and there'due south no signup bonus, merely it does have one of the lowest APRs afterward the intro menstruum passes, especially if yous have a keen credit history.
- Get to the Fifth Third Banking concern website and find the Truly Simple® Credit Card from the listing of cards. Click Utilise now.
- Complete the application course with your personal details.
- Review and submit your application.
How long volition it accept to get my Truly Simple® Credit Menu?
Due to automatic preapproval, you'll likely get a decision within a minute. In the upshot that more data is needed, Fifth 3rd Bank will send an reply inside 30 days. Upon blessing, you should receive your menu in the mail within vii to 10 business concern days.
In which states does Fifth Third Bank operate?
The depository financial institution has more 1,200 locations across x states:
- Ohio
- Florida
- Georgia
- Illinois
- Indiana
- Kentucky
- Michigan
- North Carolina
- Tennessee
- W Virginia
- Intro April period. Enjoy a long 0% intro Apr period on balance transfers and purchases for the first 15 billing cycles following your account opening. After that, your rate reverts to a eleven.99% to 22.99% variable. This is one of the longest intro APR periods you can go when compared to other cards.
- No annual fee. The bill of fare comes with no annual fee, so information technology'll price null to own.
- Cell phone protection. When you pay your wireless bill with your carte, y'all'll authorize for 5th 3rd Bank Jail cell Phone Protection. This covers costs if your phone is damaged or stolen for upwardly to $200. The first two additional phones on your wireless phone beak are also covered. The Cell Phone Protection program comes with a $50 deductible per claim.
- No penalty APR. This is 1 of the rare cards without a penalisation Apr. Other cards have a penalty April of up to thirty%, which applies as soon equally you make a single belatedly or returned payment. What's worse is that y'all tin exist stuck with these penalization APRs indefinitely.
- Shopping benefits. Receive a partial reimbursement if y'all find a lower toll on an item you purchased with your menu. Also, get extended warranties for eligible items.
- Mastercard travel benefits. Receive special offers like private event invitations and tickets to sectional events with Priceless® Cities. Also, get airport concierge to assistance yous laissez passer through immigration quicker, assist you with baggage and more.
- Digital wallets. The card supports Fifth Third Masterpass, Apple tree Pay, Samsung Pay, Google Pay and Microsoft Wallet to help you lot pay faster.
- No signup bonus. Most credit cards offer a signup bonus when you meet sure criteria. Unfortunately, this carte doesn't accept i.
- Potentially high APR. The menu's APR spans from xi.99% to 22.99% variable. If you have a weaker credit history, you may exist approved for an interest rate at the college end of that range. With APRs averaging around 16%, 22.99% is high.
- Foreign transaction fees. For each transaction you make abroad, yous'll pay 3%. This may not seem like much, but it can add upward quickly over a trip spanning several days.
You get a 0% intro April menses on balance transfers for the first xv billing cycles following your account opening. If you nonetheless have a residual afterward that, your account volition accrue interest at an APR of xi.99% to 22.99% variable.
For each transfer you make, you'll pay a fee of either $5 or iv% of the transaction, whichever is greater. This means a balance transfer of $iii,000 will cost you $120.
To apply for the card, you lot must be at least 18 years old and a citizen or permanent resident of the US.
During your application process, y'all'll need to provide:
- Your full proper noun and contact information.
- Your residential condition.
- Your annual income and employment information.
- Your Social Security number.
- A valid driver'southward license or state ID.
What credit score practise I need?
You'll have a amend chance of approving for this card if you apply with a good to splendid credit score of 670 or higher. Of course, a higher credit score and lower credit utilization will go y'all a lower APR and a college credit limit.
The Better Business concern Bureau rates the 5th 3rd Banking concern with an A+, and it accredited the bank dorsum in 1928.
Most bill of fare users claim they are happy with the credit line they received, and those who got an April in the lower range are thrilled they practical for the bill of fare.
- Download the 5th Third Mobile Banking app. Use it to transfer money and pay your bills, track your transactions, observe an ATM and more than.
- Avert interest. Your grace catamenia is 23 days afterwards the shut of each billing wheel. Pay your balance past then to avert paying interest on your purchases.
- Avoid fees. Late payments come with fees of upward to $twoscore. Balance transfers, cash advances and foreign transactions also come with fees.
- Customer service. Call Fifth Third Depository financial institution support at 800-972-3030 for any questions you may have.
This is a carte du jour with no annual fee and with a long intro APR catamenia on purchases and residue transfers. If that's what y'all're looking for, y'all could be happy with this carte du jour.
Otherwise, you may want to consider other depression APR or remainder transfer credit cards to find the all-time ane for you.
Images: 5th Third
Source: https://www.finder.com/truly-simple-card
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