Cash back · Mastercard · No annual fee
Last verified 2026-09-09. 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.
Call 1-800-MASTERCARD (1-800-627-8372) for 24/7 assistance to report a lost or stolen card.
Enjoy a HealthLock for Mastercard Medical Claim Monitor complimentary membership plus a 90-day upgrade to all HealthLock services at no monthly cost.
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+.
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.
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 | 749th of 1,291 |
| Fifth Third Preferred Cash/BackFifth Third Bank's most-held other card · 2% on everything | None | $492 | +$492 | 290th of 1,291 |
| Savor RewardsThe strongest no-fee card on this budget · 3% on dining | None | $642 | +$642 | 4th of 1,291 |
| Robinhood Gold CardHighest net return on this budget · 3% on everything | $50 | $798 | +$748 | 1st of 1,291 |
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.
