Fifth Third Trio Card Calculator

Review the benefits of the Fifth Third TRIO credit card, calculate how much cash back you can earn, and compare it side by side top rewards cards.
Updated 2020-08-08 By Robert Flowers III

The Fifth Third TRIO credit card is a decent cash back card that offers a 2%-3% return across great everyday categories. The only drawback is that the categories have a relatively low cap of $1,500 in combined spend per quarter. If you're a heavy spender, the TRIO card will more than likely not fit the bill. You can earn uncapped rewards with the TRIO Preferred Credit Card which is exclusively for Fifth Third Preferred Banking clients.

Quick Details
Issuing Bank
Card Network
Rewards Earned
Annual Fee
Authorized User Fee
Foreign Transaction Fee

Bonus Categories

The Fifth Third TRIO Credit Card features 4 bonus categories which are restaurants, gas, grocery, and drug stores. All of these categories share a combined cap of $1,500 per quarter. Once you hit that cap, you'll earn at the non-category rate for the remainder of the quarter. Quarters are defined as January-March, April-June, July-September, and October-December.

  • 3% Restaurants
  • 2% Gas
  • 2% Grocery
  • 2% Drug Stores
  • 1% Non-Category

Perks & Benefits

The Fifth Third TRIO Credit Card comes with a few benefits that can be useful including savings on food and shipping costs.

  • Postmates Benefits
    • 5% off of orders of $25 or more.
  • ShopRunner Membership
  • Cell Phone Protection
  • onefinestay Benefits
    • Get a 10% discount when booking at onefinestay properties.
  • Mastercard Benefits
    • Mastercard Travel Services
    • Mastercard Global Service
    • MasterRental Insurance
    • Mastercard Priceless Cities
    • Mastercard ID Theft Protection
    • TPC Private Club Access

Sign Up Bonus

The standard sign up bonus for the Fifth Third TRIO Credit Card is $100 after you spend $1,000 within the first 90 days of opening your account. The card also comes with 0% introductory APR on balance transfers for the first 12 billing cycles.


Annual Fee

The Fifth Third TRIO Credit Card has no annual fee.

Authorized User Fee

There is no fee to add additional cardholders to the Fifth Third TRIO Credit Card.

Foreign Transaction Fee

The Fifth Third TRIO Credit Card has a 0% foreign transaction fee which makes it a decent choice for international spending.

Rewards Calculator

You can use the rewards calculator to calculate how many points, miles, or cash back you can earn based on your spend per category. This calculator will also give you the dollar value of the card based on the value of the rewards earned and how much each benefit is worth to you, minus the annual fees. You can click the Compare A Card button to compare this card side by side any other card featured on the site within the same calculator.

Note! All category spend entered in the primary card's column (first column when comparing cards) will carry over to all credit card calculators on the site. This means you will not have to re-enter the same information again and again when browsing during the session.

Credit Card
This calculator will calculate the cash value of the selected credit card(s) based on spend, benefits, and fees. You can compare this card against any other rewards card side-by-side by clicking on the Compare A Card button.
Compare A Card
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Compare A Card
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These are similar cards based on earning structure and other benefits (that aren't part of the same family).
Search Cards
Search for credit cards by name, rewards program, or rewards currency.
Search Results Display Here
Category Spending
Enter how much you spend in each category listed. You can click on the amount to edit the value, +/- Categories to add and remove categories from the list, and Options to copy spend between columns and clear all spend.
Add Categories
Search for categories and click 'Add Category' to add it to the calculator. If you want to be more specific, you can specify domestic or international spend.
Type at least 3 characters.
Currently Selected:
Add Categories On Card Change
When you add/change a credit card comparision, the categories missing from the newly added card will be added to the list of categories. Toggle this off to prevent such from happening.
Clear Spend/Mobile
Clear All Spend will clear the spend in all categories in both columns and all saved values (cookies). Clear Mobile will remove the mobile pay option from all categories in both columns.
Copy Spend
Copies all spend amounts and their units of time from one column to the other. Does not copy mobilepay indicator.
Total Earnings
The sum of all rewards earned from Category Spending and Reward Bonuses, along with the cash value of it all based on Currency Worth.
From Spending
From Bonuses
From Loyalty
Cash Value
Cash value of Total Earnings based on Currency Worth.

Rakuten Rewards

$25 Bonus
Earn $25 or 2,500 Membership Rewards Points when you sign up for a Rakuten Rewards account and make a $25+ purchase. Rakuten and other cash back portals allows you to easily double and triple dip on rewards. I recommend using portals when booking travel or shopping online. You can sign up through The Point Calculator referral link to help out the site.
Sign Up For Free | Rakuten Review
Monetary Bonuses & Fees
Cash bonuses, annual fees, authorized user fees, and any other listed fees.
Monetary Bonuses
Annual Fee
Auth User Fee
Cash Bonuses
Annual Fee
Auth User Fee
Grand Total
The total estimated value you can get out of this card and the amount of return for your spend.
Total Card Value
The value of the card based on spend, benefits, and fees.
Total Return
The percent you are earning based on spend, earnings, and fees.

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