Fifth Third Secured

The Fifth Third Secured is built for someone focused on rebuilding credit, not earning rewards or travel perks. It works best as a simple starter account for small purchases and on-time payments, rather than as an everyday spending card.

Annual Fee

$24

Rec. Credit Score

Rebuilding

Good For

Credit rebuilding

How to Apply

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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 Secured worth it?

This card is great for...

Building payment history

Small recurring purchases

Secured card beginners

This card is worth considering if your main goal is getting back into the credit system and you want a secured card from a major bank. In that role, the job is straightforward: use it lightly, pay on time, keep your balance low, and let it help rebuild your credit profile.

For most other purposes, it is a weak fit. There are no rewards, no listed benefits, a $24 annual fee, and a 3% foreign transaction fee, so there is not much reason to keep using it once your credit improves. If you need a tool for rebuilding credit, it can do that job, but it is not a card to choose for ongoing value.

MaxRewards Verdict

The Fifth Third Secured makes sense for cardholders who need a basic credit rebuilding tool and are comfortable paying a small annual fee for it. If you want rewards, travel flexibility, or long-term value, this card gives you very little beyond the chance to reestablish credit.

Eligibility

Recommended Minimum Credit

Min: Poor

Poor

Fair

Good

Excellent

Poor 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.

Pricing