Am I eligible?
To get this card, you must also:
Note: This information is only intended as a guide. The final decision is up to the bank and your application could still be rejected even if you can answer 'Yes' to all the minimum criteria above. Always consider your options and your financial situation before you apply for a credit card.
What the Critics Are Saying...
- FinderThe Truly Simple® Credit Card from Fifth Third Bank could be a good pick if you want a no-annual-fee card with a strong promotional interest rate. You won’t find any rewards, if that’s what you’re looking for, and there’s no signup bonus. However, it does have one of the lowest APRs after the intro...
- Sean Bryant, Credit Cards ExplainedThe Truly Simple® Credit Card from Fifth Third Bank is a great option for anyone looking for a balance transfer card. Not only does it come with no annual fee, but you will receive an introductory 0% APR for the first 15 months.
- Danny Nguyen, Hustler MoneyBlogIf you’re looking to consolidate and receive extra time to pay off your debt without the high interest rates, definitely consider the Truly Simple® Credit Card from Fifth Third Bank! On top of the potential savings you’ll receive from avoiding the high interest rates, you’ll save even more since thi...
- John S Kiernan, WalletHubTruly Simple’s top perks are its 0% introductory APR, which lasts for the first 15 months your account is open, and its lack of an annual fee. Both features compare favorably to most other offers.
- Brian Martucci, Money CrashersTruly Simple is a very strong choice for new cardholders seeking to finance purchases or transfer balances at low cost, and for long-term cardholders who appreciate its Mastercard-backed benefits.
Details
| Interest Rates | |
|---|---|
| Regular APR Interest Rate |
13.99% ‐ 24.99% (Variable) (0% for the first 15 months) This APR will vary with the market based on the Prime Rate. |
| Balance Transfer Interest Rate |
13.99% ‐ 24.99% (Variable) (0% for the first 15 months) This APR will vary with the market based on the Prime Rate. |
| Cash Advance Interest Rate |
26.99% (Variable) This APR will vary with the market based on the Prime Rate. |
| Rates & Fees | |
| Annual Fee | $0.00 |
| Balance Transfer Fee |
4% Minimum of $5 |
| Cash Advance Fee |
4% Minimum of $5 |
| Foreign Transaction Fee |
3% Of each transaction in U.S. dollars. |
| Over Limit Fee | $0.00 |
| Late Payment Fee |
$38.00 Maximum |
| Promotions | |
| Sign up bonus | No |
| Rewards | |
| All Purchases | No |
| Restaurants | No |
| Gas | No |
| Groceries | No |
| Hotels | No |
| Travel | No |
| Pharmacy | No |
| Bills | No |
| Features & Benefits | |
| Additional Card Holders | Yes |
| Travel Accident Insurance | No |
| Car Rental Insurance | No |
| Car Rental Discount | No |
| Extended Warranty | Yes |
| Purchase Protection | No |
| Zero Liability | Yes |
| No Foreign Transaction Fees | No |
| Emergency Assistance | No |
| Concierge Service | No |
| Price Protection | Yes |
| Fraud Protection | Yes |
| Free Credit Scores | No |
| Wireless Payments | Apple Pay, Samsung Pay, Android Pay |
| Additional Benefits |
- Cell Phone Protection - Mastercard Global Service |
| Eligibility | |
| Minimum Security Deposit | $0 |
| Minimum Age | 18 |
| Minimum Personal Income | |
| Temporary Residents | No |
| More | |
| Additional comments | |
| Terms & Conditions | Official Terms & Conditions |
| Suggest a correction |
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Information in this article is believed to be accurate at the time it was written, but terms and conditions may change at any time. All information is presented without warranty or guarantee. Please verify all terms and conditions of any credit card prior to applying.
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Critic Reviews
A simple no-annual-fee card with a long intro APR period on balance transfers and purchases
The Truly Simple® Credit Card from Fifth Third Bank could be a good pick if you want a no-annual-fee card with a strong promotional interest rate. You won’t find any rewards, if that’s what you’re looking for, and there’s no signup bonus. However, it does have one of the lowest APRs afte...More
The Truly Simple® Credit Card from Fifth Third Bank could be a good pick if you want a no-annual-fee card with a strong promotional interest rate. You won’t find any rewards, if that’s what you’re looking for, and there’s no signup bonus. However, it does have one of the lowest APRs after the intro period passes, especially if you have a great credit history.
An excellent balance transfer option
The Truly Simple® Credit Card from Fifth Third Bank is a great option for anyone looking for a balance transfer card. Not only does it come with no annual fee, but you will receive an introductory 0% APR for the first 15 months.
The Truly Simple® Credit Card from Fifth Third Bank is a great option for anyone looking for a balance transfer card. Not only does it come with no annual fee, but you will receive an introductory 0% APR for the first 15 months.
A fantastic intro offer
If you’re looking to consolidate and receive extra time to pay off your debt without the high interest rates, definitely consider the Truly Simple® Credit Card from Fifth Third Bank! On top of the potential savings you’ll receive from avoiding the high interest rates, you’ll save even more since this card comes with NO ANNUAL FEE.
If you’re looking to consolidate and receive extra time to pay off your debt without the high interest rates, definitely consider the Truly Simple® Credit Card from Fifth Third Bank! On top of the potential savings you’ll receive from avoiding the high interest rates, you’ll save even more since this card comes with NO ANNUAL FEE.
A good option for making big-ticket purchases
Truly Simple’s top perks are its 0% introductory APR, which lasts for the first 15 months your account is open, and its lack of an annual fee. Both features compare favorably to most other offers.
Truly Simple’s top perks are its 0% introductory APR, which lasts for the first 15 months your account is open, and its lack of an annual fee. Both features compare favorably to most other offers.
A pretty bare-bones credit card
Truly Simple is a very strong choice for new cardholders seeking to finance purchases or transfer balances at low cost, and for long-term cardholders who appreciate its Mastercard-backed benefits.
Truly Simple is a very strong choice for new cardholders seeking to finance purchases or transfer balances at low cost, and for long-term cardholders who appreciate its Mastercard-backed benefits.
A no-frills, competitive APR credit card
If you have good to excellent credit, want a credit card to hold for some purchases or a balance transfer but not daily use, and don’t need a rewards program, the Truly Simple® Credit Card is a great option.
Read full reviewIf you have good to excellent credit, want a credit card to hold for some purchases or a balance transfer but not daily use, and don’t need a rewards program, the Truly Simple® Credit Card is a great option.
Read full review
A great card for those with debt
If you’re looking for a card that helps you get rid of any high interest credit card debt, this is a great card to consider because the 0% APR gives you time to fix any debt you may have. However, this may not be the best card for you if you are looking for cards with a bonus.
If you’re looking for a card that helps you get rid of any high interest credit card debt, this is a great card to consider because the 0% APR gives you time to fix any debt you may have. However, this may not be the best card for you if you are looking for cards with a bonus.