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You'll love the great benefits that come with the Fifth Third Bank Duo Card®.

Get rewarded and enjoy unique experiences.

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Access to travel services, rewards, and valuable Priceless Cities experiences are all part of the Fifth Third Bank Duo Card®.

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Everyday Convenience

Concierge on Speed Dial

Whether you're at home or planning a getaway, take the guesswork out of your day. Our experienced MasterCard Concierge books travel but also refers services, makes reservations, and can help you find the perfect gift.

Call 1-888-531-7489

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Golf Benefits

Your MasterCard gets you TPC® Private Club Access

Experience VIP golfing with our exclusive private club access. With your Fifth Third Bank Duo Card®, you can book a foursome at select TPC courses once per year and experience members-only benefits. Only from MasterCard®

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Exciting events and exclusive VIP opportunities in unforgettable cities are available to you everyday with your Fifth Third Bank Duo CardSM. Review our offers and check back often.

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Experience The Thrill Of Finding Special Deals

You love to shop. From wonderful new clothes to cool gadgets to that perfect pair of shoes, Sawgrass Mills is the shopping paradise for you and your friends who share your retail passion. It’s the largest outlet, value retail and entertainment destination in the United States. Get Your MasterCard Offers Guide to start saving today at Sawgrass Mills®

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MasterCard World and World Elite Golf Benefits

As World and World Elite MasterCard® cardholders, you’re already a member of a very exclusive club. Now that membership extends even further – to some of the most celebrated and legendary golf properties in North America with exclusive MasterCard golf programs such as Private Club Access, Course to Yourself and Resort VIP.

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Savor the Flavor of Italy with a Behind-the-Scenes Tour of Eataly

Eataly changed the landscape of Italian cuisine in Chicago when it opened in 2013, bringing formerly hard-to-find ingredients—and the expertise required to use them-to a welcoming space in the Near North Side. To take advantage of everything this Italian marketplace has to offer, it helps to have some inside information-the kind imparted on the Behind the Scenes Tour of Eataly, available exclusively to MasterCard cardholders.

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Let MasterCard Travel Services help you find your dream vacation and book your trip. You can call and speak with an experienced professional, or create your itinerary online.

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Call our Concierge

Reach out to MasterCard Concierge 24/7 as your very own personal assistant. Need to locate hard-to-find travel gear, reserve that perfect table when you're not at home or make travel arrangements? Concierge is here to help.

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Visit MasterCard Travel Services

Design your dream vacation, book a family getaway or a last minute weekend escape. Let MasterCard Travel Services be your guide. Reserve hotels, books flights and rent cars online with MasterCard Travel Services.

Enjoy special amenities at more than 800 select hotels and resorts, seen here in our ebook.

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Cash in on valuable rewards with your Fifth Third Bank Duo® Credit Card points.

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Earn 2 Real Life RewardsSM points for every $1 spent on gas and grocery purchases, and get 1 point for every $1 spent on everything else – then watch your points build up fast3,4.

To track and redeem your Real Life Rewards points, log in to Internet Banking and click on the Real Life Rewards link (Subject to Internet Banking and Bill Pay User Agreement).

Your Fifth Third Bank Duo Card® comes with important benefits

See your Guide to Benefits for complete details

Peace of mind

  • Cell Phone Protection5

    Protection against damage to, or theft of, your cell phone, as well as up to two additional phones listed on your wireless billing statement.

  • Price Protection7

    If you find a lower price for an eligible new item you purchased with your Fifth Third Bank Duo Card®, you may be eligible for reimbursement of the price difference.

  • 24/7 Emergency Assistance

    Assistance if your Fifth Third Bank Duo Card® is lost or stolen both at home and when you're traveling.

  • MasterCard Zero Liability6

    This covers you in the event that someone makes unauthorized purchases with your Fifth Third Bank Duo Card®.

Everyday brings value

  • Credit and Debit Card in One1,2

    Linking your checking account with your Fifth Third Bank Duo Card® gives you access to cash at over 21 million ATMs worldwide, and the ultimate convenience, security and financial flexibility.

  • Earn Bonus Rewards3,4

    Earn 2 Real Life RewardsSM points for every $1 spent on gas and grocery purchases and get 1 point for every $1 spent on all other credit purchases.

  • MasterCard Concierge

    Just a phone call away, we're your personal assistant for every day needs from locating hard-to-find items or birthday party places to reserving the perfect reservations or event tickets. Call 1-888-531-7489

  • Priceless Cities

    Explore your favorite cities with these unforgettable experiences and exclusive offers like special tables at phenomenal restaurants, VIP access to the cities' best shows or a shopping spree worth bragging about.

  • TPC Private Club Access

    If golf is your passion, enjoy playing like a Pro with exclusive private club access at TPC courses across the country. Book foursomes at each private club one time per year and enjoy club membership benefits, only with your Fifth Third Bank Duo CardSM.

Travel made convenient

  • MasterCard Travel ServicesTM

    Call to speak with your very own dedicated Personal Travel Advisor 24 hours a day, seven days a week to address your specific interests and deliver an amazing travel experience. Or if you prefer, make your own travel arrangements online, just click here to access hotel, flights and car rentals all in one place.

  • MasterCard Airport ConciergeTM

    MasterCard Airport ConciergeTM services are available at over 450 airports internationally, allowing an authorized meet and greet agent to assist you every step of the way making the overall travel experience seamless and stress free.

  • MasterCard Rental Insurance8

    You are covered for damages (physical damage and theft) to a rental vehicle when your Fifth Third Bank Duo Card® is used to initiate and pay for the entire rental transaction.

  • Travel Assistance Services

    Your 24-hour, toll-free phone service for help with lost or stolen luggage, medical care, legal advice, emergency cash and general travel requirements.

  1. Fifth Third Bank Checking Account Required. $50 minimum deposit required to open checking account. Credit transactions are non-PIN/credit transactions and are applied to your credit line. Debit transactions are PIN transactions and are applied to your checking account.
  2. Debit Card Fees may apply. Non-Fifth Third ATM Transaction: $2.00 per transaction; ATM Mini Statement: $1.50; International Point of Sale/ATM Transaction Fee: 3% of Transaction Amount; Currency Conversion Fee: 0.20% of the Transaction Amount; International ATM Withdrawal: $5.00.
  3. Everyday Spend Bonus is defined as: earn 2 Real Life RewardsSM points for every $1 spent on qualifying gas, grocery, and discount store purchases. Fifth Third does not determine the Merchant Category Codes that businesses use to classify their business. Purchases made at a merchant that does not process transactions under the bonus categories will not qualify and you will not receive the Spend Bonus Points. Bonus points will show up on your monthly statement.
  4. Purchases are defined as the dollar value of goods and services of credit purchases made with the Card, minus any credits, returns or other adjustments as reflected on the monthly statements. Purchases do not include annual fees, late payment fees, over-limit fees, insurance charges, card-related service charges, Finance Charges, or other fees and/or unauthorized charges. Purchases also do not include Cash Advances, PIN-based transactions, Ready Reserve Overdraft Protection transactions, balance transfers, Convenience Checks, person-to-person money transfers, quasi-cash transactions (including the purchase of casino gaming chips, lottery tickets, wire transfer services, traveler's checks, foreign currency, or money orders), gaming transactions or currency purchases.Some products may carry an expiration limit on rewards points.Please refer to the Rewards Program Terms and Conditions which can be found by signing into Internet Banking at
  5. Cellular Telephone Protection is subject to a fifty dollar ($50.00) deductible per claim and a maximum of two (2) claims per twelve (12) month period. The maximum benefit limit is $200 per claim and $400 per twelve (12) month period. To be eligible for Cellular Telephone Protection, you must charge your monthly Cellular Wireless Telephone bills to your Fifth Third consumer credit card. Your Cellular Telephone Protection begins the first day of the calendar month following the payment of the Cellular Wireless Telephone bill using your Fifth Third consumer credit card. Additional terms and conditions apply. Refer to your Cell Phone Protection Terms and Conditions at for further details. Cellular Telephone Protection service provided for Fifth Third Bank cardholders under contract with CBSI Enhancement Services, a third party provider.
  6. With Zero Liability Protection from MasterCard® you will have no liability for "unauthorized transactions" made using your Fifth Third Bank issued MasterCard Credit or Debit card. Zero Liability applies to transactions made in the store, over the telephone or online. As a cardholder, you will not be held responsible for unauthorized transactions if the following conditions are met: (i) you have exercised reasonable care in safeguarding your card and PIN from loss or theft; and (ii) upon becoming aware of such loss or theft, you have promptly reported the loss or theft to Fifth Third. Zero Liability does not apply to MasterCard payment cards: (i) used for commercial, purposes (NOTE: Zero Liability does apply to MasterCard credit and debit cards for small businesses); (ii) anonymous prepaid cards (such as store or gift cards), until such time as the identity of the cardholder has been registered with the financial institution that issued the card. Zero Liability Protection is provided for Fifth Third cardholders under contract with MasterCard®, a third-party provider. MasterCard's policies are subject to change. Conditions and exceptions apply. Visit MasterCard's Zero Liability link at Contact Fifth Third Bank for additional consumer protections available under Federal Regulations to dispute transactions.
  7. Purchases you make entirely with your covered card are covered for one hundred and twenty (120) days from the date of purchase as indicated on your receipt for the difference between the price you paid and the lower price advertised. Coverage is limited to the difference between the actual cost of the item (excluding taxes, storage, shipping, and handling costs) and the advertised lower price, up to $250 per claim. There is a maximum of four (4) claim(s) per cardholder account per twelve (12) month period.
  8. MasterRental® Insurance provides coverage on a secondary basis for physical damage and theft of most rental vehicles with an MSRP that does not exceed $50,000.

*These are a summary of benefits only. Certain terms, conditions and exclusions apply. See your Guide to Benefits for complete details.

Subject to Internet Banking and Bill Pay User Agreement

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