Truly Simple® Credit Card

All information about Fifth Third Bank | Bright Money to build credit

Credit needed
11.99% up to 22.99%
Annual Fee

Card Summary

Truly Simple Credit Card offers a balance transfer credit card that has a 0% intro APR for purchases and balance transfers within the first 15 month. The APR will increase to variable rates of 11.99% to 22.99% depending on creditworthiness.

The Fifth Third Bank Card has an annual fee $0, and there is no penalty for late payments.

The benefits include zero liability protection and identity theft protection.

The Best Features:

The Truly Simple Credit Card offers an intro APR of 0% for the first 15 months. This applies to purchases as well as balance transfers.
Based on creditworthiness, thereafter, APRs can range from 11.99% up to 22.99%.
There is no penalty rate for late payments.
Annual Fee: The Truly Simple Credit card has an $0 annual fee.


There are no rewards with the Truly Simple Credit Card.
Balance transfer fee: This fee is equal to 4% or $5 depending on the value of the transfer.
High APR Potentially: The APR can go up to 11.99%-22.99% after the initial rate has expired. This is dependent on creditworthiness.

Card Summary - Cons

Rates and fees

Issuer Name
Fifth Third Bank
Penalty APR
Credit Needed
Balance Transfer Fee
$5, or 4%.
Annual Fee
Cash Advance Fee
You can choose to pay $10 or 5% for each Cash Advance.
11.99% up to 22.99%
Foreign Transaction Fee
Each transaction is charged 3% in U.S. Dollars


You can save time when you checkout. You can upload your card to one of the three digital wallet options.

There is no annual charge.

No Liability Protection Mastercard ID Theft Prevention Mastercard priceless cities: A special benefit only for Mastercard cardholders.

Get special deals like access behind the scenes and tickets for the most sought-after events. Search to find local offers.

Mastercard Global Service: 24/7 emergency service available. Call 1-800-307-7309 to speak with a Mastercard Representative (USA).

Simply Simple Credit Card Benefits

Cardholders of the Truly Simple Credit Card have many benefits, including:

Protection against identity theft,
No liability coverage.

Comparative Analysis with Other Cards


Note: Credit Card summary is for informational purposes only and is not an endorsement of the product. Products and services described are offered by third parties and not Bright Money or its partner banks. Bright Money strives to keep its information accurate and up to date. This information may be different than what you see when you visit a financial institution, service provider, or specific product’s site and the information has not been reviewed or provided by the issuer of the product before publication.

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