Cash back · Mastercard · No annual fee
Last verified 2026-10-26. Review issuer source
Fifth Third 1% Cash/Back is a no-annual-fee cash back card from Fifth Third Bank. It earns 1% on purchases, which puts it behind most rewards cards; you hold it for the account itself, not the rewards.
On our reference budget of $24,600 a year it returns about $246, an effective 1% back.
There is no reason to hold it for rewards. It is a card for the banking relationship, or a first card.
No welcome bonus is stored for this catalog entry yet.
Reimbursement for the actual cost to replace or repair a Stolen or damaged Eligible Cellular Wireless Telephone.
If someone steals your identity, you’ll get resolution service assistance to help restore you to the good standing that you had prior to the violation.
These come from Mastercard, not from Fifth Third Bank. Every card on the World Mastercard tier carries them, so they should not decide between two cards.
A smooth departure starts with Fast Track access. Use your World Mastercard to purchase* discounted access to a dedicated security lane for you and your guests at select airports in 30+ countries outside the U.S. Enjoy this benefit as part of The Mastercard Collection.
Call 1-800-MASTERCARD (1-800-627-8372) for 24/7 assistance to report a lost or stolen card.
Groceries and more delivered in as fast as one hour. Get $10 off your second order each month, and new Instacart+ members can also get three free months of Instacart+.
More rides means more adventure. And if you take just three rides with Lyft in a month, you’ll get a $5 credit once per month to put towards your next ride. Offer expires 1/31/2026.
Get exclusive PGA TOUR® experiences and access amazing golf benefits with our Golf Concierge Service.
Mastercard gives you exclusive access to ticket presales at top venues and festivals across the U.S. Eligibility restrictions, exclusions and terms apply. Offer expires 3/31/2027.
Save when you tap and go with your eligible Mastercard and receive a $2.50 statement credit when you spend $10 or more each month at participating transit systems.
Browse exclusive Mastercard benefits, book travel, get hotel upgrades and more.
Enjoy experiences in culture, dining, sports, entertainment and more in over 45 exciting destinations around the globe.
With Mastercard Zero Liability protection you’re protected against unauthorized transactions in stores, online and in app.
Chef-curated menus, signature drinks, and a space designed for travelers. Taste by Priceless is a dining club that reimagines culinary experiences at the airport — now open at Hong Kong International Airport. Use your World Mastercard to purchase access for yourself and your guests, as a benefit of The Mastercard Collection.
Benefit descriptions are the issuer’s and network’s own wording, trimmed for length. Limits and exclusions are in the guide to benefits.
| Card | Annual fee | Rewards earned | Net after fee | Rank |
|---|---|---|---|---|
| Fifth Third 1% Cash/BackThis card · 1% on everything | None | $246 | +$246 | 741st of 1,284 |
| Fifth Third Preferred Cash/BackFifth Third Bank's most-held other card · 2% on everything | None | $492 | +$492 | 289th of 1,284 |
| Chase Freedom Flex® Credit CardThe strongest no-fee card on this budget · 7% on dining | None | $822 | +$822 | 1st of 1,284 |
| Robinhood Gold CardHighest net return on this budget · 3% on everything | $50 | $798 | +$748 | 2nd of 1,284 |
Reference budget: groceries $6,000, dining and restaurants $3,600, gas and ev charging $2,400, travel and transit $3,000, online shopping $2,400, entertainment and streaming $1,200, everything else $6,000. Points are valued at 1¢ unless the program is worth less; statement credits, welcome bonuses, and perks are left out. Run it with your own spending.
