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Truly Simple® Credit Card review

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Advertiser Disclosure

Interest Rate: Purchases
11.99% ‐ 22.99% (Variable) (0% for the first 15 months)
Balance Transfer
11.99% ‐ 22.99% (Variable) (0% for the first 15 months)
Signup Bonus

Informr score
The Truly Simple® Credit Card currently has an Informr score of 7.7 out of 10. This score is based on our evaluation of 7 sources including reviews from users and the web's most trusted critics.

Am I eligible?

Truly Simple® Credit Card is typically available to those with minimum_credit_score.30 credit scores (650 or greater).
To get this card, you must also:
Yes Be a permanent or temporary resident of USA

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...


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...

- Finder
Credit Cards Explained

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.

- Sean Bryant, Credit Cards Explained
Hustler MoneyBlog

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 thi...

- Danny Nguyen, Hustler MoneyBlog

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.

- John S Kiernan, WalletHub
Money Crashers

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.

- Brian Martucci, Money Crashers


Interest Rates
Regular APR Interest Rate 11.99% ‐ 22.99% (Variable) (0% for the first 15 months)

This APR will vary with the market based on the Prime Rate.

Balance Transfer Interest Rate 11.99% ‐ 22.99% (Variable) (0% for the first 15 months)

This APR will vary with the market based on the Prime Rate.

Cash Advance Interest Rate 24.99% (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 5%

Minimum of $10

Foreign Transaction Fee 3%

Of each transaction in U.S. dollars.

Over Limit Fee $0.00
Late Payment Fee $40.00


Sign up bonus No
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, Google Pay
Virtual Cards No
Additional Benefits
  • Cell Phone Protection
  • Mastercard Global Service
Minimum Security Deposit $0
Minimum Age 18
Minimum Personal Income
Temporary Residents No
Additional comments
Terms & Conditions Official Terms & Conditions
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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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