Fifth Third Bank credit card terms
Top-25 issuer · 5 products surveyed · CFPB TCCP survey, Jul-Dec 2025
Fifth Third Bank reported a surveyed purchase APR of 8.99% – 29.49% (median 25.99%) to the CFPB Terms of Credit Card Plans survey, across 5 products. It is one of the 25 largest U.S. card issuers. Annual fees on surveyed cards: $24. These are surveyed terms, not an offer — your APR depends on your credit.
Source: CFPB Terms of Credit Card Plans (TCCP) Survey. Data as of CFPB TCCP survey, Jul-Dec 2025.
Fifth Third Bank surveyed terms at a glance
| Term | Reported value |
|---|---|
| Purchase APR (surveyed range) | 8.99% – 29.49% |
| Median purchase APR | 25.99% |
| Rate type | variable |
| Intro / promo APR offered | Yes |
| Balance-transfer APR (max) | — |
| Cash-advance APR (max) | 28.74% |
| Annual fee | $24 |
| Late fee (median) | $30 |
| Secured card offered | Yes |
| Products surveyed | 5 |
Source: CFPB Terms of Credit Card Plans (TCCP) Survey. Data as of CFPB TCCP survey, Jul-Dec 2025.
A dash (—) means Fifth Third Bank did not report that field in the survey.
Fifth Third Bank purchase APR by credit tier
Median purchase APR Fifth Third Bank reported for each applicant credit tier. Cards typically quote a range and place you within it based on your credit:
| Your credit tier | Median purchase APR |
|---|---|
| Poor credit (619 or less) | — |
| Good credit (620-719) | 29.24% |
| Great credit (720+) | 20.24% |
Source: CFPB Terms of Credit Card Plans (TCCP) Survey. Data as of CFPB TCCP survey, Jul-Dec 2025.
How Fifth Third Bank compares
For good credit (620-719), the CFPB median purchase APR was 28.2% at large issuers and 18.15% at small banks and credit unions. Fifth Third Bank's median of 25.99% sits above the 21% national average APR.
Similar issuers (top-25 issuer)
| Issuer | Surveyed purchase APR | Median APR | Annual fee |
|---|---|---|---|
| Fifth Third Bank (this issuer) | 8.99% – 29.49% | 25.99% | $24 |
| PNC Bank | 18.49% – 30.24% | 26.12% | — |
| First National Bank Of Omaha | 15.49% – 32.99% | 26.37% | $30 – $249 |
| Regions Bank | 18.49% – 28.49% | 25.49% | — |
| Capital One | 14.9% – 31.24% | 27.24% | $39 – $395 |
| USAA Federal Savings Bank | 10.65% – 27.65% | 24.65% | $95 |
| JPMorgan Chase Bank | 16.74% – 28.24% | 27.49% | $49 – $795 |
PNC Bank · First National Bank Of Omaha · Regions Bank · Capital One · USAA Federal Savings Bank · JPMorgan Chase Bank
Frequently asked questions
What is Fifth Third Bank's credit card APR?
Fifth Third Bank reported a purchase APR of 8.99% – 29.49% to the CFPB Terms of Credit Card Plans survey (median 25.99%), across 5 surveyed products. Rates are variable. This is a surveyed range, not an offer; your actual APR depends on your credit.
Does Fifth Third Bank charge an annual fee?
Fifth Third Bank's surveyed cards carry an annual fee of $24. Many cards from this issuer have a $0 annual fee; premium cards charge more. Verify the specific card.
Is Fifth Third Bank a good choice for a low APR?
Fifth Third Bank is one of the 25 largest issuers. The CFPB found large issuers charge roughly 8 to 10 percentage points (large vs small issuers, across credit tiers) more than small banks and credit unions. If a low APR is the priority, compare a local credit union.
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Sources & accuracy
Terms reported by Fifth Third Bank (Fifth Third Bank, National Association) to the CFPB Terms of Credit Card Plans (TCCP) Survey (U.S. public domain, CFPB TCCP survey, Jul-Dec 2025). Surveyed terms are not an offer; your actual APR, fees and approval depend on your creditworthiness. Verify current terms with the issuer. See our methodology and disclaimer.
Last updated: 2026-06-29