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Fifth Third Simply BusinessTM Card is ideal for those with active Fifth Third business checking or savings accounts who want to earn simple cash back rewards. It offers unlimited 1.67% cash back on eligible purchases, has $0 annual and foreign transaction fees, and comes with a 0% Annual Percentage Rate (APR) on both purchase and balance transfer transactions for the first 12 months.
Note that online application is unavailable. Fifth Third Bank has around 1,100 branches in the following states: Florida, Georgia, Illinois, Indiana, Kentucky, Michigan, North Carolina, Ohio, South Carolina, Tennessee, and West Virginia.
If you wish to compare one card over another, select a maximum of three cards on this page and click Add to Compare to view the details in a side-by-side comparison.
| Intro APR | 0% APR |
|---|---|
| Regular APR | 16.49% to 27.49% variable |
| Annual Fee | None |
| Credit Needed | Undisclosed |
When grading cash back business credit cards like the Fifth Third Simply BusinessTM Card, we give the most weight to ongoing and introductory rewards. We also rate the annual fee, introductory and ongoing APRs, other fees, and other features that may be valuable to small business owners.
| Grading Criteria | Card Score | Highest Possible Score |
|---|---|---|
| Ongoing Rewards | 20 | 25 |
| Introductory Rewards | 0 | 25 |
| Annual Fee | 10 | 10 |
| Additional Features | 8 | 10 |
| Introductory APR | 10 | 10 |
| Ongoing APR | 10 | 10 |
| Other Fees | 10 | 10 |
| Total | 68 | 100 |
Who the Fifth Third Simply BusinessTM Card Is Best For
- Business owners with existing Fifth Third business checking or savings accounts: To qualify for the card, your checking or savings account with Fifth Third must be active for at least 90 days.
- Businesses located in Fifth Third’s service areas: The bank has branches in 11 statesFlorida, Georgia, Illinois, Indiana, Kentucky, Michigan, North Carolina, Ohio, South Carolina, Tennessee, and West Virginia , and since applying for this card requires an in-person visit, it’s best for businesses located near a Fifth Third branch.
See our recommended alternatives below if this card isn’t the best fit for your business.
Fifth Third Simply BusinessTM Card Rewards
- Unlimited 1.67% cash back for every dollar spent on purchases, equal to 1.67 Rewards Points. There are no rotating categories and earning caps, and points earned will never expire.
Rewards Calculator
Find out how much you can earn from Fifth Third Simply BusinessTM Card by using our rewards calculator. Enter your expected monthly expenses, regardless of spending categories, and our calculator will compute your annual cash back.
Fifth Third Simply Business<sup>TM</sup> Card Rewards Calculator
Your potential annual reward earnings are:
How to Redeem Rewards
Rewards earned using your Fifth Third Simply BusinessTM Card can be redeemed as a deposit to a business checking or savings account or as a statement credit to the Business Rewards credit account where applicable. There is no limit to the number of rewards you can earn, and they will not expire as long as your account is active and in good standing.
Fifth Third Simply BusinessTM Card Features
- Zero liability: You will not be held responsible for fraudulent activities and unauthorized purchases made with your card. Business owners must promptly report any loss or theft to ensure that fraudulent activity is covered.
- Mastercard ID Theft ProtectionTM (IDT): You will get notified of any possible identity theft. Mastercard monitors the surface, dark, and deep web, searching for compromised credentials, and potentially damaging use of your personal information.
- Mastercard business assistant: You can access 24/7 assistance for everyday business needs.
- Automatic Car Rental Insurance: You will receive automatic coverage on eligible rental vehicles when you use your card to pay for the entire rental amount.
Fifth Third Simply BusinessTM Card Fees
APR
- Introductory: 0% on purchases and balance transfers for the first 12 billing cycles after account opening.
- Ongoing and balance transfers: 16.49% to 27.49% variable, which adjusts with the prime rate (minimum interest charged is $1.50)
- Cash advance: 29.99% variable, which adjusts with the prime rate.
- Penalty: 29.49% and will be applied to your account if you:
- Made a late payment
- Exceeded your credit limit
- Made a returned payment
- Made a convenience check that isn’t honored
Fees
- Annual: $0
- Balance transfer: Either $5 or 4% of the amount of each balance transfer/check, whichever is greater
- Convenience check: Either $5 or 4% of the amount of each balance transfer/check, whichever is greater
- Cash advance: Either $10 or 5% of the amount of each cash advance, whichever is greater
- Foreign transaction: $0
- Late payment: $40
- Overlimit: $39
- Returned payment: $39
Your due date is at least 23 days after the close of each billing cycle.
- Online: Log into your Fifth Third online account and click “Make a Payment” in the account summary bar to process your credit card payments.
- Mobile app: You can use the Fifth Third Bank mobile app and follow the instructions to pay for your Fifth Third Simply BusinessTM Card.
- In-person: Search for the nearest Fifth Third Bank branch. There are more than 1,000 branches in 11 states.
- Mail: Send either a check or money order (not cash) to
Fifth Third Bank
5050 Kingsley Dr.
PO Box 740789
Cincinnati, OH 45274-0789
Fifth Third Simply BusinessTM Card Alternatives
Ramp Credit Card
| Intro APR | None |
|---|---|
| Regular APR | None |
| Annual Fee | $0 |
| Credit Needed | Poor to Excellent |
Ramp credit card is a corporate charge card that’s ideal for registered businesses that need high credit limits. It offers 10x to 20x higher credit limits compared with regular business credit cards, lets you earn a fixed-rate cash back of 1.5% on all purchases, and charges $0 annual fees.
Capital One Spark Miles for Business
| Intro APR | intro_apr_rate,intro_apr_duration |
|---|---|
| Regular APR | reg_apr,reg_apr_type |
| Annual Fee | annual_fees |
| Credit Needed | credit_score_needed |
The Capital One Spark Miles for Business, ideal for business owners who need to travel frequently, charges $0 intro for the first year, then $95 after that. It lets you earn up to 5 miles on purchases, which you can use for travel, statement credits, gift checks, and more. On top of that, you can earn a one-time bonus of 50,000 miles—equal to $500 in travel once you spend $4,500 on purchases within 3 months from account opening.
The American Express Blue Business Cash™ Card
| Intro APR | 0% on purchases |
|---|---|
| Regular APR | 16.74% - 28.49% Variable |
| Annual Fee | No annual fee |
| Credit Needed | Excellent, Good |
The American Express Blue Business Cash™ Card features Expanded Buying Power, which lets you spend over your credit limit when needed. The amount you can spend will vary based on your credit usage, credit score, payment history, and financial situation. Besides that, you can earn up to 2% cash back, which you will receive as an automatic statement credit. It also comes with a $0 annual fee and 0% APR on purchases for the first 12 months.
Frequently Asked Questions (FAQs)
To apply for a credit card account, you can visit Fifth Third Bank’s website to schedule an appointment or visit a branch to apply in person. Online application is unavailable.
You need to have an existing Fifth Third checking or savings account that has been open for at least 90 days. Your Fifth Third checking or savings account must be in good standing to qualify for a credit card account.
Bottom Line
Fifth Third Simply BusinessTM Card is a great card to consider if you have an active Fifth Third business checking or savings account and want to maximize rewards earned after making large business purchases. You get unlimited 1.67% cash back on all purchases, with no rotating categories and earning cap, and points don’t expire. It offers an interest-free financing option for purchases and balance transfers for the first 12 billing cycles after opening an account. Note that online application is unavailable.
Fit Small Business has partnered with CardRatings for our coverage of credit card products. Fit Small Business and CardRatings may receive a commission from card issuers.
To see rates & fees for the American Express cardsFit Small Business may earn compensation when a customer clicks on a link, when an application is approved, or when an account is opened. mentioned in this article, reference the following links below:
American Express Blue Business CashTM Card
