Fifth Third Trio Credit Card Calculator

Card Details & Cash Back Calculator
3% Restaurants
2% Gas
2% Grocery
2% Drug Store
ShopRunner Membership
Cell Phone Protection
Mastercard Benefits
Combined spend cap of $1,500 per quarter for all bonus categories.

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.

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.

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 (SUB)

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.

and Card Value Calculator

You can use this 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 rewards earned and how much each benefit is worth to you minus the fees. You can click the Compare A Card button to compare this card against another card in the same calculator.

All category spend entered in the primary card's column will carry over to all credit card pages on the site so you don't have to re-enter the same information over again.

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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Categories 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.
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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 spend and bonuses above this line and the cash value of it all.
From Spending
From Bonuses
From Loyalty
Cash Value
Cash value of total earnings based on currency worth.
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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