Real Life Rewards® Credit Card Apply Now

How can you make the everyday your day?

With the Fifth Third Real Life Rewards® credit card. You can earn unlimited points for the things you buy everyday like gas and groceries–and redeem points for things you can enjoy every day like movie tickets or gift cards.

Real Life Rewards MasterCard

  • 0% Introductory APR on Purchases and Balance Transfers for the first 12 Billing Cycles after the account is opened; after that, the rate varies from 12.99% to 23.99% APR based on creditworthiness.1
  • No Annual Fee.2
  • Real Life Rewards®:
    • Earn Bonus Rewards Points for every $1 spent on gas and grocery store purchases and 1 point for every $1 spent on all other credit purchases3,4.
    • Redeem points toward everyday pleasures, like dinner with friends, a night at the movies or gift cards for special occasions. You can even use your points to pay down any Fifth Third loan.
    • No cap on rewards points.
    • Track your rewards balance on your monthly cardholder statement or on internet banking at
  • Complimentary, 24-hour Internet Banking and Online Bill Payment.5
  • Cellular Phone Protection6: Protection against damage to, or theft of, your eligible cell phone, as well as up to two additional phones listed on your wireless billing statement.
  • MasterCard® Zero Liability7: Protection from unauthorized purchases charged to your card.
  • Identity Theft Resolution Services8: If someone steals your identity, Identity Theft Resolution Services provides complete resolution services to restore your identity to the good standing that existed before the event occurred.
  • Price Protection®8: If you find a lower price for a new item you purchased with your Fifth Third Bank MasterCard within the first 120 days after purchase, you may be eligible for reimbursement of the price difference.
  • Extended Warranty8: Doubles the original manufacturer's or store brand warranty for up to two years when you pay with your eligible MasterCard card.
  • MasterCard® Priceless Cities®8: A collection of one-of-a-kind experiences, like special reservations at restaurants, premium seating at shows, and VIP treatment at sporting events, reserved just for MasterCard cardholders with World Level Benefits. To learn more, visit
  • Concierge Service®8: Enjoy exclusive access to unique dining and entertainment venues. Assistance with reservations, travel tickets and planning and more 24 hours a day!
  • MasterCard Global Service®8:MasterCard provides emergency customer service anytime, anywhere, and in any language.
  • MasterRental® Insurance®8: Get added protection when you rent a car.
  • MasterCard Airport ConciergeTM8: Arrange for a personal, dedicated Meet and Greet agent to escort you through the airport on departure, arrival or any connecting flights. There are also certain airports where you can be expedited through the security and/or the immigration process. Available 24/7/365 at over 450 destinations worldwide, To reserve MasterCard Airport Concierge services in advance and to take advantage of the MasterCard special savings, call the number on the back of your card or visit for details.
  • Travel Assistance Services®8: 24-hour, toll-free phone number for help with lost or stolen luggage, medical care, legal advice, emergency cash, and general travel requirements.
  • Travel Accident Insurance®9: Receive Accidental death and dismemberment coverage when you pay for your air, bus, train, or cruise transportation with your eligible card.

See DISCLOSURES below for Transaction and Other Fees

Annual Fee None
Introductory APR for Purchases and Balance Transfers 0% Introductory APR for the first 12 Billing Cycles after the account is opened.
APR for Purchases After Introductory Period 12.99% to 23.99% APR, depending on a review of your application and credit history
APR for Balance Transfers After Introductory Period Variable APR for Purchases

See Rate, Fee & Other Cost Information for complete details

Three easy ways to get started:

Real Life Rewards

Real Life Rewards®

Designed for the way you really live.

Gift Cards

Gift Cards

Available from MasterCard, Macy's, Lowes and more!


Subject to credit review and approval.

If you apply for a non-rewards product, you may qualify for a lower APR.

  1. 0% Introductory APR on Purchases and Balance Transfers for the first 12 Billing Cycles after the account is opened; after that, the rate varies from 12.99% to 23.99% APR based on creditworthiness.
  2. No Annual Fee. Transaction and Other Fees may apply. Balance Transfer Fee: Either $5.00 or 4%, whichever is greater, of the total dollar amount transferred. Cash Advance Fee: Either $5 or 4% of the amount of each Cash Advance, whichever is greater. International Transaction Fee: 3% of each transaction in U.S. dollars. Convenience Check Fee: Either $5 or 4% of the total dollar amount of each check, whichever is greater. Late Payment Fee: up to $35.00. Expedited Card Delivery Fee: $30.00 per Account. Replacement Card Fee: $10.00. Transaction and Other Fees will appear on your monthly Account Statement. Fees may increase your Minimum Amount Due on your next monthly statement depending upon the size of the transaction or fee type. Refer to the Payments Section of the Fifth Third Bank Card Agreement for Minimum Amount Due information.
  3. Bonus Rewards Points is defined as: earn double Real Life Rewards® points for every $1 spent on qualifying gas, grocery, and discount store purchases. Fifth Third does not determine the Merchant Category Codes that businesses use to classify their business. Purchases made at a merchant that does not process transactions under the bonus categories will not qualify and you will not receive the Bonus Rewards Points. Bonus Points and Bonus Categories are offered at the discretion of Fifth Third and may be changed from time to time. Some products may carry an expiration limit on rewards points. For additional information regarding points expiration, refer to the Rewards Terms and Conditions which can be found by signing into Internet Banking on
  4. Purchases are defined as the dollar value of goods and services of credit purchases made with the Card, minus any credits, returns or other adjustments as reflected on the monthly statements. Purchases do not include annual fees, late payment fees, over-limit fees, insurance charges, card-related service charges, Finance Charges, or other fees and/or unauthorized charges. Purchases also do not include Cash Advances, PIN-based transactions, Ready Reserve Overdraft Protection transactions, balance transfers, Convenience Checks, person-to-person money transfers, quasi-cash transactions (including the purchase of casino gaming chips, lottery tickets, wire transfer services, traveler's checks, foreign currency, or money orders), gaming transactions or currency purchases.
  5. Subject to Internet Banking and Bill Pay User Agreement.
  6. Cellular Telephone Protection is subject to a fifty dollar ($50.00) deductible per claim and a maximum of two (2) claims per twelve (12) month period. The maximum benefit limit is $200 per claim and $400 per twelve (12) month period. To be eligible for Cellular Telephone Protection, you must charge your monthly Cellular Wireless Telephone bills to your Fifth Third consumer credit card. Your Cellular Telephone Protection begins the first day of the calendar month following the payment of the Cellular Wireless Telephone bill using your Fifth Third consumer credit card. Additional terms and conditions apply. Refer to your Cell Phone Protection Terms and Conditions at for further details.
  7. With Zero Liability Protection from MasterCard® you will have no liability for "unauthorized transactions" made using your Fifth Third Bank issued MasterCard Credit or Debit card. Zero Liability applies to transactions made in the store, over the telephone or online. As a cardholder, you will not be held responsible for unauthorized transactions if the following conditions are met: (i) you have exercised reasonable care in safeguarding your card and PIN from loss or theft; and (ii) upon becoming aware of such loss or theft, you have promptly reported the loss or theft to Fifth Third. Zero Liability does not apply to MasterCard payment cards: (i) used for commercial purposes (NOTE: Zero Liability does apply to MasterCard credit and debit cards for small businesses); (ii) anonymous prepaid cards (such as store or gift cards) until such time as the identity of the cardholder has been registered with the financial institution that issued the card. Zero Liability Protection is provided for Fifth Third cardholders under contract with MasterCard®, a third-party provider. MasterCard's policies are subject to change. Conditions and exceptions apply. Visit MasterCard's Zero Liability link at Contact Fifth Third Bank for additional consumer protections available under Federal Regulations to dispute transactions.
  8. Benefits and Services provided for Fifth Third cardholders under contract with MasterCard®, a third-party provider. Certain terms, conditions and exclusions apply. See the applicable Fifth Third Bank MasterCard Guide to Benefits for more details and a complete explanation of card benefits and services.
  9. Travel Accident Insurance is provided for Fifth Third Bank cardholders under contract with CBSI Enhancement Services, a third party provider.

Real Life Rewards is a registered service mark of Fifth Third Bancorp.

MasterCard is a registered trademark of MasterCard International Incorporated.