Secured MasterCard

If you're trying to establish or rebuild your credit, the Secured MasterCard® is a great choice.

You get the same benefits and convenience of a regular credit card while building or rebuilding your credit history with every use.

Secured MasterCard

  • Get started with as little as a $300 deposit into a secured Fifth Third savings1 account that earns interest.
  • Your credit line is tied to the amount of money in your savings.
  • Purchases made on your Secured MasterCard will be charged to your card (amount will not be deducted from your Savings Account).
  • Complimentary, 24-hour Internet Banking and Online Bill Payment.2
  • Cellular Phone Protection3: Protection against damage to, or theft of, your cell phone, as well as up to two additional phones listed on your wireless billing statement.
  • Price Protection*: Should you find a lower price for a new item within 60 days from the date of purchase using your eligible MasterCard card, you may be reimbursed for the price difference.
  • Extended Warranty*: Doubles the original manufacturer's or store brand warranty for up to one year when you pay with your eligible MasterCard card.
  • Identity Theft Resolution Services*: Assists you with credit bureau notification and credit card replacement, and provides you with an Identity Theft Affidavit should you become the victim of identity theft.
  • MasterCard Global Service®*: MasterCard provides emergency customer service anytime, anywhere, and in any language.
  • Travel Assistance Services*: 24-hour, toll-free phone number for help with lost or stolen luggage, medical care, legal advice, emergency cash, and general travel requirements.
  • Master RoadAssist® Service*: 24/7 help if you ever encounter a problem while driving.
  • MasterCard® Zero Liability4: Protection from unauthorized purchases charged to your card.

Annual Fee $24
APR for Purchases 23.99%
APR for Balance Transfers APR for purchases

See Rate, Fee & Other Cost Information for complete details

Here's how you can start re-building or building good credit history with a Fifth Third Bank Secured MasterCard®.

  • Always make your payments on time to avoid late fees, and make at least your minimum payment every month.
  • Keep your receipts from purchases, deposits, and ATM transactions to help you track your spending.
  • Double-check your statement each month and compare it to your receipts to make sure everything is correct.
  • Guard your card: don't let anyone borrow it, and never give out your credit card number over the phone unless you make the call.

COME IN. Stop by your nearest Fifth Third Banking Center to apply for the Secured MasterCard today.

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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.

  1. A Fifth Third Savings Account is a requirement of the Secured MasterCard. At least 100% of the approved credit line amount must remain on deposit in the Savings Account. The deposit requirement ranges from a minimum of $300 to a maximum of $5,000, based upon approved credit line amount. $50 minimum deposit required to open a Savings Account. The Secured MasterCard® is a non-rewards card with a $24 annual fee.
  2. Subject to Internet Banking and Bill Pay User Agreement.
  3. 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. Cellular Telephone Protection service provided for Fifth Third Bank cardholders under contract with CBSI Enhancement Services, a third party provider.
  4. Under MasterCard's Zero Liability Protection, you will have no liability for "unauthorized purchases" made using your Fifth Third Bank issued MasterCard or Debit MasterCard card. Zero Liability applies to purchases made in the store, over the telephone or online. As a cardholder, you will not be held responsible in the event of unauthorized purchases provided that the following conditions are met: (i) your account is in good standing; (ii) you have exercised reasonable care in safeguarding your card from any unauthorized use. Unauthorized use means that you did not provide, directly, by implication or otherwise, the right to use your card and you received no benefit from the "unauthorized" purchase; (iii) you have not reported two or more unauthorized events in the past 12 months. Zero Liability does not apply to MasterCard or Debit MasterCard cards: (i) issued for commercial, business or agricultural purposes, except for MasterCard commercial cards used for small businesses as listed on; or (ii) issued or sold "anonymously" (for example, a prepaid card purchased in a store), until such time as the identity of the cardholder has been registered with the financial institution that issued the card; or (iii) if a PIN is used for the unauthorized purchase. MasterCard's policies are subject to change. Visit MasterCard's Zero Liability link at Contact Fifth Third Bank for additional consumer protections available under Federal Regulations to dispute transactions. Zero Liability Protection is 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.

*Benefits and Services provided for Fifth Third cardholders under contract with MasterCard®, or other third-party providers. 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.

MasterCard is a registered trademark of MasterCard International Incorporated.