Fifth Third 1% Cash/Back

This card is built for someone who wants a very simple cash-back card and values keeping costs at zero. The Fifth Third 1% Cash/Back works as a basic everyday card, but its flat 1% return makes it more of a low-friction starter option than a standout long-term rewards card.

Annual Fee

Rec. Credit Score

Good

Good For

Simple cash back

How to Apply Estimate your value

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Opinions, reviews, analyses & recommendations are MaxRewards' alone, and have not been reviewed, endorsed or approved by any of these entities.

Overview

Is the Fifth Third 1% Cash/Back worth it?

This card is great for...

No-fee everyday spending

Basic starter card use

Simple one-rate rewards

The Fifth Third 1% Cash/Back is worth considering if your main goal is straightforward cash back with no annual fee and no category tracking. It does exactly what the name suggests: you earn 1% back on purchases, and that simplicity may appeal to cardholders who want a card they can use anywhere without thinking about rotating categories or travel programs.

For most readers focused on maximizing rewards, though, this card is hard to recommend as a primary spending card. A flat 1% cash-back rate is easy to use, but many no-annual-fee cards now offer more than that on everyday purchases. With no welcome bonus and no listed perks to add extra value, this card fits best for someone who prioritizes simplicity, banks with Fifth Third, or just needs a basic cash-back option rather than a stronger rewards setup.

MaxRewards Verdict

This is a straightforward no-fee card for simple everyday spending, but the rewards rate is modest. It makes the most sense for cardholders who want a basic 1% cash-back card and do not care about extra perks or higher earning potential.

Earning

Rewards

Rewards here are as simple as they come: 1% cash back on purchases, with no bonus categories to manage. That makes the card easy to use, but it also means the value depends entirely on whether you are satisfied with a lower flat return.

CategoryRate

Everywhere

Eligibility

Recommended Minimum Credit

Min: Good

Poor

Fair

Good

Excellent

Good credit or higher is recommended for this card.

Credit approval is not guaranteed. Meeting the recommended credit range does not ensure approval, and applicants with lower scores may still be considered.

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