Fifth Third 1.67% Cash/Back Card
- Best for: Fifth Third customers who want their cash back deposited where they bank
- What Sets It Apart: Flat 1.67% on every purchase; no foreign transaction fee; cash back paid into Fifth Third checking or savings
- Cost: $0 annual fee; $0 foreign transaction fee; 19.24% to 29.24% variable APR; 4% balance transfer fee ($5 minimum)
- Features: 0% intro APR on balance transfers for the first 12 months; no cap on cash back; no minimum to redeem; points that don’t expire
- Pros: No annual or foreign transaction fee; redeem any amount; a year at 0% on balance transfers
- Cons: Pays less than the 2% of no-fee cards like the Wells Fargo Active Cash; no sign-up bonus; no 0% intro rate on purchases; new customers must apply at a branch; not offered in Vermont or Montana
Get the Fifth Third 1.67% Cash/Back Card if you bank with Fifth Third and want your cash back deposited there. It has no annual fee and no fee on purchases abroad. If your checking is elsewhere, a no-fee card paying 2% earns you more on everything you buy in the U.S.
This Mastercard pays a flat 1.67% back on every purchase, with no categories to track. It’s a personal card, and Fifth Third’s Simply Business Credit Card is the one for business spending.
Key Features
- No annual fee, and no fee on purchases made abroad
- 1.67% cash back on every purchase, with no cap and no expiration
- Cash back as a credit on your bill or a deposit to Fifth Third checking or savings, in any amount
- 0% interest for the first 12 months on balance transfers, debts you move from other cards, with a 4% fee ($5 minimum)
- A variable annual percentage rate (APR) of 19.24% to 29.24% on purchases from the start, and on balance transfers after the 12 months
Pros
- Cash back can go straight into the Fifth Third checking or savings you already use
- Nets the full 1.67% on purchases abroad, where the Wells Fargo Active Cash charges a 3% foreign transaction fee that outweighs its 2% back
- A year at 0% on balance transfers
Cons
- 1.67% trails the 2% that no-fee cards like the Active Cash pay, or $167 against $200 on $10,000 of purchases
- No sign-up bonus
- No 0% intro rate on purchases
- New customers can’t apply online and must visit a branch
- Not offered to residents of Vermont or Montana
Fifth Third customers who want their card and cash back at the bank they already use get a fair no-fee card, one that also costs nothing extra abroad. Preferred Banking clients, who keep $100,000 or more with Fifth Third, should take the 2% Preferred Cash/Back Card, and everyone else earns more on U.S. spending with a no-fee 2% card from another bank.
Learn more about the Fifth Third 1.67% Cash/Back Card or see how it compares to the best cash back credit cards.
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