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The TRIO Credit Card by Fifth Third Bank has an offer for $100 bonus cash when you spend $1,000 within the first 90 days. It’s not the best bonus out there, but it’s a decent one for a no-annual-fee card. See our list for more cash back credit cards such as the Capital One SavorOne Cash Rewards Credit Card.
TRIO is a cash back card that offers bonus rewards on everyday spending categories, with 3% back at restaurants and 2% back on gas and at grocery and drug stores. Because the 2% categories are capped at $1,500 in combined spending every quarter, the TRIO card is a good option if you don’t spend too heavily on gas, grocery and drug store purchases.
Otherwise, you’ll want to consider a card with unlimited bonus rewards instead.
*Check out Fifth Third Bank bonuses for Checking & Savings accounts.
| Bonus Available | Get a $100 cash back bonus by spending $1,000 within 90 days of account opening. |
| Bonus Value* | $100 |
| Ongoing Rewards/Benefits | Earn unlimited 3% cash back rewards at restaurants. Receive 2% cash back rewards on gas and at grocery and drug stores on up to $1,500 spent per quarter. Get unlimited 1% cash back rewards on all other purchases. |
| Foreign Transaction Fees? | No |
| Annual Fee | $0 |
*Bonus value is an estimated value calculated by MoneysMyLife and not the card issuer. Read our card review for more details.
View our latest valuations here.
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PROS
- No annual fee
- Welcome bonus
- Simple rewards
- No foreign transaction fees
CONS
- Good-Excellent credit needed to qualify
- Capped 2% bonus categories
CAPITAL ONE® SAVORONE® CASH REWARDS CREDIT CARD
The Capital One® SavorOne® Cash Rewards Credit Card has a $200 bonus when you spend $500 on purchases within 3 months of account opening. This card has no annual fee. The annual-fee version of this card is the Capital One® Savor® Cash Rewards Credit Card.
This SavorOne card earns unlimited 3% cash back on dining and entertainment spending. Grocery store spending earns 2% cash back. All other purchases earn 1% cash back. There are no rotating categories to worry about and the cash back won’t expire while the account is open.
TRIO Credit Card $100 Bonus Cash Offer
Take advantage of the TRIO credit card’s $100 bonus cash offer. To qualify, charge at least $1,000 to your card within 90 days from opening your account.
Here are some ideas on meeting the spending requirement:
Earning TRIO Cash Back
The TRIO credit card offers bonus rewards on common spending categories:
- Unlimited 3% cash back at restaurants.
- 2% back on gas and at grocery and drug stores. Capped at up to $1,500 in combined spending per quarter.
And earn unlimited 1% cash back on all other purchases.
If you take full advantage of the 2% category, you would earn a maximum of $120 annually for $6,000 of spending in the gas, grocery and drug store categories.
*Your rewards will expire three years from the date they were earned.
Redeeming TRIO Cash Back Rewards
Although advertised as a cash back card, you can also redeem your rewards in other ways, including:
- Gift cards
- Airline tickets
- Merchandise
- Charitable donations
If you value simplicity, stick with cash redemptions in the form of statement credits or direct deposits into your Fifth Third bank account.
Trio Credit Card Cell Phone Protection
You’re eligible for the Fifth Third’s cell phone protection program if you pay your wireless phone bill with the TRIO card. Although that might sound like a good deal, the program details state:
- Protection is only supplemental coverage. You’ll get reimbursed for damage or theft that is not already covered by another insurance policy, like your renters or homeowners insurance.
- The program covers up to $200 per claim with a $50 deductible (maximum two claims in a 12-month period).
Most smartphones these days cost hundreds of dollars, so $200 won’t really cover a new phone. In comparison, Wells Fargo’s cell phone coverage pays up to $600 per claim with a $25 deductible. And it doesn’t go through your other insurance policies first.
Bottom Line
The TRIO credit card is a good fit for light to moderate spenders who like to eat out. Besides its simple ongoing rewards, the TRIO card offers a modest sign-up bonus and doesn’t charge any annual or foreign transaction fees.
If you’re a heavy spender – especially in gas, groceries and drug stores – you’ll want to consider other cards with unlimited bonus rewards in those categories.
What’s The Competition?
Below are some of the top competitors to the TRIO credit card you should consider.
CAPITAL ONE® QUICKSILVER® CASH REWARDS CREDIT CARD
The Capital One® Quicksilver® Cash Rewards Credit Card will earn a $200 bonus when you spend $500 on purchases within the first 3 months. The bonus offer is comparable to its top competitors, but this card earns a respectable 1.5% cash back on every purchase with no limit on how much you can earn. There are no spending categories to keep up with and the cash back won’t expire while the account is open.
People like this card because of the cash back rate, the flexibility to redeem your cash back for any amount, and there’s no annual fee.
BLUE CASH PREFERRED® CARD FROM AMERICAN EXPRESS
Terms apply to American Express benefits and offers. Enrollment may be required for select American Express benefits and offers. Visit americanexpress.com to learn more.
The Blue Cash Preferred® Card from American Express has an offer for $300 after you spend $3,000 in purchases on your new Card within the first 6 months. The offer is received in the form of Reward Dollars that can be redeemed as statement credits.
This card earns 6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases and 6% Cash Back on select U.S. streaming subscriptions. You’ll also get 3% Cash Back at U.S. gas stations and transit that includes taxis/rideshare, parking, tolls, trains, buses and more. All other purchases will still earn 1% back.
The introductory annual fee is $0 for the first year, then $95 thereafter. See Rates & Fees, Terms Apply.
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Editorial Disclaimer: Opinions expressed here are author's alone, not those of any bank, credit card issuer, hotel, airline, or other entity. This content has not been reviewed, approved or otherwise endorsed by any of the entities included within the post.
Disclaimer: These responses are not provided or commissioned by the bank advertiser, credit card issuer, hotel, airline or other entity. Responses have not been reviewed, approved or otherwise endorsed by any of the entities included within the post. It is not the bank advertiser's or any other entity's responsibility to ensure all posts and/or questions are answered.