Fifth Third Bank Rewards MasterCard®
The Fifth Third Bank Rewards MasterCard® from Fifth Third Bank earns up to 2% effective value on grocery in Madeen's catalog snapshot. It has no annual fee. Madeen compares this card against the cards you already carry — no bank login required.
- Top category
- Grocery
- Effective value
- 2%
- Annual fee
- $0
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Madeen compares public issuer terms with its card-rule catalog. Issuer pages control rewards, fees, benefits, exclusions, and eligibility; Madeen does not issue cards, make approval decisions, or provide financial advice.
What does the Fifth Third Bank Rewards MasterCard earn in each category?
Grocery is the strongest category at 2% effective value (2% back). That grocery rate ranks higher than about 47% of the 1,552 cards we track in that category. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
Grocery is the strongest category at 2% effective value (2% back). That grocery rate ranks higher than about 47% of the 1,552 cards we track in that category.
| Category | Earn rate | Effective value |
|---|---|---|
| Dining Restaurants, cafes, takeout | 1% back | 1% |
| Grocery Supermarkets and grocery stores | 2% back | 2% Top category |
| Gas Gas stations and fuel | 2% back | 2% |
| Travel Flights, hotels, transit | 1% back | 1% |
| Other General everyday spend | 1% back | 1% |
Madeen values cash back at about 1 cents each. Madeen compares every card using this cash-equivalent estimate while still showing the raw earn rate for context.
What are the Fifth Third Bank Rewards MasterCard reward caps and conditions?
The Fifth Third Bank Rewards MasterCard has 1 notable cap or condition rule(s) in Madeen's catalog, including activation windows, spend limits, and category exclusions. Review each bullet below before assuming unlimited earn rates. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
- Capped at $1500 per quarter.
Who should get the Fifth Third Bank Rewards MasterCard?
The Fifth Third Bank Rewards MasterCard fits spenders who put meaningful volume in grocery and can earn 2% back. Best for spenders who put meaningful volume in grocery and can earn 2% back. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
Fifth Third Bank Rewards MasterCard fits spenders who put meaningful volume in grocery and can earn 2% back. Madeen ranks its grocery effective rate higher than about 47% of the catalog in that category. Compare it against cards you already carry with Madeen — no bank login required.
Best for spenders who put meaningful volume in grocery and can earn 2% back.
Compare it against simpler no-fee cards if you want minimum complexity.
Best for grocery-heavy spend when you want to avoid an annual fee; confirm issuer terms before applying. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
Pros
- Strongest Madeen category is grocery at about 2% effective (2% back).
- No annual fee in our catalog snapshot.
- No foreign transaction fee listed.
Cons
- Compare simpler no-fee cards if you want minimum complexity.
Does the Fifth Third Bank Rewards MasterCard have an annual fee, and what's the welcome bonus?
The Fifth Third Bank Rewards MasterCard has an annual fee of $0 and a foreign transaction fee of None. Issuer pages control fees and offers; Madeen labels this as catalog analysis, not issuer-confirmed terms. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
- Annual fee
- $0
- Foreign transaction fee
- None
Common questions about the Fifth Third Bank Rewards MasterCard
Does the Fifth Third Bank Rewards MasterCard have an annual fee?
The Fifth Third Bank Rewards MasterCard carries an annual fee of $0 in Madeen's catalog snapshot. Issuer terms can change, so confirm the current fee on the issuer's site before you apply. Madeen does not predict approval or prequalification. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
What category earns the most with the Fifth Third Bank Rewards MasterCard?
Grocery is the strongest Madeen category for the Fifth Third Bank Rewards MasterCard at about 2% effective value, based on our catalog snapshot and standard point valuations. Other categories are listed in the effective-rate table on this page. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
Does the Fifth Third Bank Rewards MasterCard charge foreign transaction fees?
The Fifth Third Bank Rewards MasterCard does not charge a foreign transaction fee in Madeen's catalog snapshot, which can make it stronger for purchases outside the U.S. Issuer terms still control international acceptance and other fees. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
What credit score do you need for the Fifth Third Bank Rewards MasterCard?
Madeen's catalog lists a typical credit range of Good for the Fifth Third Bank Rewards MasterCard. Issuers decide approval using their own criteria; Madeen does not predict approval odds or prequalification. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
How do you redeem rewards on the Fifth Third Bank Rewards MasterCard?
Rewards on the Fifth Third Bank Rewards MasterCard post as cash back. Redemption value depends on how you use cash back (statement credit, travel, transfers, or issuer portals). Madeen shows effective cash-equivalent rates using standard valuations. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
How do I maximize rewards on the Fifth Third Bank Rewards MasterCard?
To maximize the Fifth Third Bank Rewards MasterCard, route grocery and other bonus categories through this card when they match your spend, then compare it against cards you already carry with Madeen at checkout—no bank login required. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
How does the Fifth Third Bank Rewards MasterCard compare to similar cards?
Compare the Fifth Third Bank Rewards MasterCard against TRIO (3% on Dining, $0 fee); TRIO Preferred (3% on Dining, $0 fee). Madeen ranks effective value by category and annual fee using the same catalog snapshot dated 2026-05-01. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
| Card | Top category | Effective value | Annual fee |
|---|---|---|---|
Fifth Third Bank Rewards MasterCard This card | Grocery | 2% | $0 |
Fifth Third Bank | Dining | 3% | $0 |
Fifth Third Bank | Dining | 3% | $0 |
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