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Verdict: The Fifth Third Professional Debit MasterCard offers a flexible rewards program, one that provides you with more rewards points if you spend at certain retailers such as gas stations and office supply stores. Your monthly statement will also separate your business and personal expenses, helping you to better organize and track your spending. These features make this a solid entry in the rewards debit card category.
Overview: To earn your rewards point, you must make a signature purchase with your Fifth Third Professional Debit MasterCard. When you purchase an item at your local gas station, supermarket or restaurant, you must use your debit card as if it was a credit card, signing a receipt to close your purchase rather than entering your PIN. The money to pay for your purchase will still come from the checking account tied into your card, even if you use it in this manner.
How This Card Works: You’ll need to connect your Professional Debit MasterCard to your checking account. Whenever you use it to make a purchase, the money will immediately come from this checking account. If you don’t have enough funds in the account to cover your purchase, your transaction won’t go through.
Travel and Shopping Benefits: You’ll earn one Real Life Rewards point for every dollar worth of purchases that you make with your debit card at gas stations, office supply stores, restaurants and utility companies. You’ll one point for every two dollars worth of purchases that you make everywhere else with this card. Once you’ve earned enough Real Life Rewards points, you can redeem them for merchandise and gift cards. You can also use your points to pay down other loans or deposit extra cash in your savings account.
Fees: This card does not come with an annual fee. If you use it to withdraw cash from ATMs not operated by Fifth Third Bank, though, you will have to pay ATM fees ranging from $1 to $4.
- Flexible rewards program.
- Organizes business and personal spending.
- No annual fee.
- Only signature-based purchases earn rewards points.
- Fees for using out-of-network ATMs.