Fifth Third Real Life Rewards® Review | NerdWallet
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Fifth Third Real Life Rewards®

Apply Nowon Fifth Third Bank’s secure website.
Apply Nowon Fifth Third Bank’s secure website.

Fifth Third Real Life Rewards®

Apply Nowon Fifth Third Bank’s secure website.
Apply Nowon Fifth Third Bank’s secure website.

Card details

  • Earn 2 Real Life Rewards® points for every $1 spent on gas and grocery store purchases
  • Earn 1 point for every $1 spent on all other purchases
  • 0% Introductory APR on Purchases and Balance Transfers for the first 12 billing cycles after the account is opened. After the Introductory Period, APR will be 13.24% to 24.24% based on creditworthiness. After account opening, this APR will vary with the market based on the WSJ Prime Rate
  • No Annual Fee
  • Cellular Phone Protection
  • Zero Liability

APR, Variable

Min APR: 13.24%, Variable

Max APR: 24.24%, Variable

Penalty APR: Up to 29.99%, Variable

Cash Advance APR: 24.99%, Variable

Pros

  • No annual fee
  • 0% for 12 mos on transfers

Rewards rate

1.00%

Annual fee

$0

Intro APR

Purchase: 0% for 12 mos

Transfer: 0% for 12 mos

Recommended credit score

Nerdwallet Review

Author: Tim Chen

Verdict - This is a mediocre rewards card. Pick a better one at on our rewards credit card homepage.

Fifth Third Bank Visa Signature Rewards offers 2% back on gas, for up to $500 per month. In terms of other rewards, you get 1% back up to $25,000 a year, 1.25% back between $25,001 and $50,000 per year, and so on, capping out at 2% back when you spend above $100,000 per year on this card. There is no annual fee.

However, you can fare much better with a different rewards card. If you are a big spender and thing Fifth Third rewards are attractive, consider the following: after you spend $6,500 a year earnings 0.5% on American Express Blue Cash, your reward rate gets bumped to 1.25%, and you get 5% back on gas & groceries. Therefore, anyone who spends above $25,000 a year is likely to do substantially better with Blue Cash.

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