Engine X (Charge Card)
Fifth Third Bank · VISA · not specified
The Engine X (Charge Card) is a credit card from Fifth Third Bank on the Visa network. It has an annual fee of $0. It earns up to 10% on travel, 1.50% on everything else.
Key facts
- Annual fee
- $0
- Credit needed
- Good
- Network
- VISA
Reward rates by category
| Category | Rate | Detail |
|---|---|---|
| Travel | up to 10% | Earn up to 10% back in points on eligible Engine travel purchases. Annual Engine spend tiers: $0–$250K = 6% back on hotels and rental cars; $250K+ = 7%; $2.5M+ = 8%; $5M+ = 10%. Actual reward rates vary by purchase category and may change. Points have no cash value and are redeemable for rewards through the program. See full rewards terms for details. |
| Everything else | 1.50% | 1.5% back in points on everything else |
Benefits and perks
- Engine X Rates and Fees
- Earn up to 10% back in points on eligible Engine travel purchases and 1.5% on everything else.
- Save with Engine-only rates and stack Engine Rewards on top of hotel and airline loyalty points.
- Book with Engine. Pay with Engine X. Earn on both. All in one integrated travel and spend ecosystem.
- No annual fee. See cardholder agreement / terms and conditions for details.
- Bring travel bookings, card transactions, and spend insights together in one Engine dashboard.
- Issue unlimited physical metal cards and instant virtual cards for employees and contractors.
- Set transaction limits, category restrictions, and approval workflows before money moves.
- Apply in minutes, get a line of credit, and manage company-wide spend with real-time visibility.
- Engine X Visa® Commercial cards issued by Fifth Third Bank N.A., Member FDIC. Terms and conditions apply. All applications subject to credit approval.
- Earn up to 10% back in points on eligible Engine travel purchases. Actual reward rates vary by purchase category and may change. Points have no cash value and are redeemable for rewards through our program. See full rewards terms for details.
- See cardholder agreement / terms and conditions for details.
- Subject to review of company’s application including but not limited to requested financial information.
Rates and fees
Annual membership fee: $0.
Rates and fees as published by the issuer and recorded on 1 Oct 2026. See the issuer's terms for current rates. View the issuer's terms
Questions about the Engine X (Charge Card)
What is the annual fee on the Engine X (Charge Card)?
The Engine X (Charge Card) has an annual fee of $0.
What rewards does the Engine X (Charge Card) earn?
The Engine X (Charge Card) earns up to 10% on travel, 1.50% on everything else.
What credit score do you need for the Engine X (Charge Card)?
The Engine X (Charge Card) is generally listed for applicants with good credit. Approval also depends on income and the issuer's own criteria.
Is the Engine X (Charge Card) worth it?
The Engine X (Charge Card) is worth it when the rewards you would earn on your own spending exceed its annual fee. Upload a statement to Woodo and the calculation runs against your real categories rather than an assumed budget.
Community
Approval and real earn reports from cardholders are coming to this page soon.
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