The Fifth Third Bank Truly Simple is a personal credit card from Fifth Third Bank Truly Simple. Application typically pulls a hard report from Experian. The annual fee is $0. The ongoing APR is 14.24% – 25.24% variable after a 0% for 18 months introductory rate for 18 months. Approval typically requires a credit score of 650-700 or higher. Rewards: None — a straightforward low-rate option. This product reports activity to your personal credit report. Best for users who want maximum interest savings without optimizing rewards. USAA Rate Advantage Visa Platinum Card. BT Fee: $5 or 4% of transfer amount, whichever is greater. Post-intro APR: 14.24% – 25.24% variable