Fifth Third BankPrivate Bank Credit CardRegistry illustration · issuer artwork unavailable

Private Bank Credit CardFifth Third Bank · N bank, AL · FDIC 6672

CurrentLast observed Sep 6, 2026Source date Dec 31, 2025Government datasetCredit card · Consumer · unsecuredFiled as “Fifth Third Private Bank Credit Card”

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Purchase APR

12.99%

variable

Balance transfer

—

Cash advance APR

—

Annual fee

a year

Foreign fee

—

Grace period

23 days

from cycle close

Product terms with exact source passages
Term	Value	As printed in the source	Source
APR for purchasesintroductory rate first
Introductory	NoneConsumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026	—	Website
	12.99% variableConsumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026	—	Website
APR for balance transfers	—	no source read
APR for cash advances	—	no source read
Penalty APRafter a late or returned payment	—	no source read
Paying interestgrace period on new purchases	23 days from the close of each billing cycle	—	—
Minimum interest charge	$1.50	—	—
How we calculate your balance	Average daily balance including new purchases	—	—
Annual fee	$0Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026	—	Website
Transaction fees
Cash advance	5% of the amount, minimum $10Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026	—	Website
Balance transfer	4% of the amount, minimum $5Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026	—	Website
Foreign transaction	—	no source read
Penalty fees
First late fee	$30Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026	—	Website
Repeat late fee within six billing cycles	$41Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026	—	Website
Returned payment	—	no source read
Other fees
None disclosed	$0Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026	—	Website
Over limit	$0Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026	—	Website
Purchase transaction	$0Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026	—	Website

Private Bank Cardmember Agreementpage 10 of 10

Fifth Third Private Bank Card Fees and Credit Disclosures

Interest Rates and Interest Charges Annual Percentage Rate (APR) for Purchases and Balance Transfers · 1 2. 74 % . This APR will vary with the market based on the Prime Rate. APR for Cash Advances · 24.99% How to Avoid Paying Interest on Purchases · Your due date is at least 23 days after the close of each Billing Cycle. We will not charge you interest on Purchases if you pay your entire balance by the due date Minimum Interest Charge · If you are charged interest, the charge will be no less than $1.50. For Credit Card Tips from the Consumer Financial Protection Bureau · To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at http://www.consumerfinance.gov/learnmore. Fees Annual Fees • Annual Fee · None Transaction Fees • Balance Transfer · Either $5 or 4% of the amount of each transfer, whichever is greater. • Cash Advance · Either $10 or 5% of the amount of each Cash Advance, whichever is greater. • Convenience Check · Either $5 or 4% of the amount of each check, whichever is greater. • International Transaction · None Penalty Fees • Late Payment · Up to $4 1 .

How We Will Calculate Your Balance: We use a method called "average daily balance (including new purchases)."

Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your Account Agreement.

Prime Rate: Variable APRs are based on the 6.75 % Prime Rate.

Variable APRs for Purchases and Balance Transfers: The Purchase and Balance Transfer APR is calculated using the Prim e Rate ("Prime") plus a margin (percentage we add to Prime) of 5.99%

Variable Based on Prime: The Prime Rate means the Prime Rate published in the "Money Rates" section of the online version of The Wall Street Journal (WSJ). We determine the Prime Rate two business days prior to the closing date of your Billing Cycle. Changes to the Daily Periodic Rat e and corresponding APR for Purchases and Balance Transfers will be applied to your existing Account balance and to subsequent transactions effective the first day of the Billing Cycle in which we determine the interest rate. Any increase or decrease in the Prime Rate will result in an increase or decrease in your Daily Periodic Rate and the APR, and as a result, the interest charge and the Minimum Payment Due will change and may result in a smaller part of your payment being applied to reduce principal.

Information is accurate as of 1 2 / 17 /2025 and may have changed after that date. To obtain more recent information, please call us at 800-972-3030

1 2 3 4 5 6 7 8 9 10Page 10 is cited

Archived Aug 23, 2026Open full document

Sources and dates

Contractual terms come from retained issuer disclosures. Historical cohort statistics come from the CFPB survey and do not change the issuer's terms.

Issuer disclosures and source details

Exact passages support the published terms or show additional details that remain unresolved.

Fifth Third Bank, National Association
Page Capture Aug 23, 2026 · Captured Aug 23, 2026 · page 10
“If you are charged interest, the charge will be no less than $1.50.”
Additional source detail; structured values remain unknown. This agreement passage is retained verbatim. The pricing interpretation does not replace the complete card-terms declaration.
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Fifth Third Bank, National Association
Page Capture Aug 23, 2026 · Captured Aug 23, 2026 · page 10
“Your due date is at least 23 days after the close of each Billing Cycle. We will not charge you interest on Purchases if you pay your entire balance by the due date”
Additional source detail; structured values remain unknown. This agreement passage is retained verbatim. The pricing interpretation does not replace the complete card-terms declaration.
Read exact source ↗

CFPB survey — historical cohort statistics

Reported medians describe observed cohorts at the survey date; they are not contractual APR ranges.

Consumer Financial Protection Bureau
Report Date Dec 31, 2025 · Captured Sep 6, 2026 · record cfpb:tccp:2025-12-31:fifth-third-bank-national-association:fifth-third-private-bank-credit-card
Fields: Introductory APR Offered?
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Consumer Financial Protection Bureau
Report Date Dec 31, 2025 · Captured Sep 6, 2026 · record cfpb:tccp:2025-12-31:fifth-third-bank-national-association:fifth-third-private-bank-credit-card
Fields: Purchase APR Index, Purchase APR Offered?, Purchase APR max, Purchase APR median, Purchase APR min, Variable Rate Index
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Consumer Financial Protection Bureau
Report Date Dec 31, 2025 · Captured Sep 6, 2026 · record cfpb:tccp:2025-12-31:fifth-third-bank-national-association:fifth-third-private-bank-credit-card
Fields: Annual Fee, Balance Computation Method, Balance Computation Method Details, Balance Transfer Grace Period, Card Features, Contact Information Types, Fee Explanation, Fee Varies?, Grace Period, Grace Period Offered?, Institution Name, Issued by Top 25 Institution, Minimum Finance Charge (Dollars), Minimum Finance Charge?, Monthly Fee, Periodic Fee Type, Periodic max, Periodic min, Product Name, Report Date, Requirements for Opening, Secured Card, Targeted Credit Tiers, Telephone Number for Consumers, Website for Consumer, Weekly Fee
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Consumer Financial Protection Bureau
Report Date Dec 31, 2025 · Captured Sep 6, 2026 · record cfpb:tccp:2025-12-31:fifth-third-bank-national-association:fifth-third-private-bank-credit-card
Fields: Balance Transfer Fee ($), Balance Transfer Fee (%), Balance Transfer Fee Calculation, Balance Transfer Fee Types, Balance Transfer Fees?, Minimum Balance Transfer Fee Amount
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Consumer Financial Protection Bureau
Report Date Dec 31, 2025 · Captured Sep 6, 2026 · record cfpb:tccp:2025-12-31:fifth-third-bank-national-association:fifth-third-private-bank-credit-card
Fields: Cash Advance Fee ($), Cash Advance Fee (%), Cash Advance Fee Calculation, Cash Advance Fee Types, Cash Advance Fees?, Minimum Cash Advance Fee Amount
Read exact source ↗
Consumer Financial Protection Bureau
Report Date Dec 31, 2025 · Captured Sep 6, 2026 · record cfpb:tccp:2025-12-31:fifth-third-bank-national-association:fifth-third-private-bank-credit-card
Fields: Late Fee ($), Late Fee Policy Details, Late Fee Types, Late Fees?
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Consumer Financial Protection Bureau
Report Date Dec 31, 2025 · Captured Sep 6, 2026 · record cfpb:tccp:2025-12-31:fifth-third-bank-national-association:fifth-third-private-bank-credit-card
Fields: Late Fee Six Month Billing Cycle
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Consumer Financial Protection Bureau
Report Date Dec 31, 2025 · Captured Sep 6, 2026 · record cfpb:tccp:2025-12-31:fifth-third-bank-national-association:fifth-third-private-bank-credit-card
Fields: Additional Fees, Other Fees
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Consumer Financial Protection Bureau
Report Date Dec 31, 2025 · Captured Sep 6, 2026 · record cfpb:tccp:2025-12-31:fifth-third-bank-national-association:fifth-third-private-bank-credit-card
Fields: Over Limit Fee ($), Over Limit Fee Types, Over Limit Fees?, Overlimit Fee Detail
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Consumer Financial Protection Bureau
Report Date Dec 31, 2025 · Captured Sep 6, 2026 · record cfpb:tccp:2025-12-31:fifth-third-bank-national-association:fifth-third-private-bank-credit-card
Fields: Minimum Purchase Transaction Fee Amount, Purchase Transaction Fee ($), Purchase Transaction Fee (%), Purchase Transaction Fee Calculation, Purchase Transaction Fee Type, Purchase Transaction Fees
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CFPB Good (620–719) and Great (720+) definitions ↗

History

dates on sources or when they were captured

Dec 31, 2025: Annual fee, Balance transfer fee, Balance transfer terms, Card terms, Cash advance fee, Late payment fee, Other fee, Over limit fee, Purchase APR, Purchase transaction fee

Offered through: Fifth Third Bank
Legal issuer: Not established by retained evidence
Regulator: FDIC certificate 6672
Branches: 1,521 in AL, AZ, CA, FL, GA, IL, IN, KY, MI, NC, NY, OH, SC, TN, TX, WV
Sources: Government dataset · 1 document · 1 page cited

Documents

Private Bank Cardmember Agreementeffective date not parsed

Private Bank Credit CardFifth Third Bank · N bank, AL · FDIC 6672

Rates and fees