Last Updated: 07/28/2025
SuperMoney User Recommendation Score +46
Mostly recommended13 total votes
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Highlights
Community Rating
Mostly recommended
Purchase APR (Variable APR)
13.99%(Verified 06/21/2024)
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Balance Transfer APR (Variable APR)
13.99%(Verified 06/21/2024)
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Credit Score Range
680 - 840
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Annual Fee
$0
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Number of Reviews
Fidelity Rewards Visa Signature Card Review
This is a cashback credit card issued by Fidelity. If you're wondering whether Fidelity Rewards Visa Signature Card is the right card for you, read on.
Key Takeaways
- APRs: Fidelity Rewards Visa Signature Card has a variable regular purchase APR of 13.99%
- No annual fee. This is a great option for people looking for a low-maintenance cashback card. It gives you cashback on your eligible purchases, but you don't have to pay an annual fee for the privilege.
- A 3% balance transfer fee. Fidelity Rewards Visa Signature Card charges a fee of 3% on balance transfers. For example, a balance of $1,000 could cost $30 in transfer fees. The minimum fee is $5.
- Charges foreign transaction fees. Avoid using this card when traveling abroad because it charges a commission of up to 1% every time you make a transaction outside the U.S.
- Multiple credit card benefits. Includes generous credit card perks, such as Auto Rental Collision Damage Waiver, access to a concierge, emergency support, purchase security, travel accident insurance, travel assistance, and fraud protection.
- Good or excellent credit required. You will have low approval odds if your credit score is below good.
Pros & Cons of Fidelity credit card
| The Good | The Bad |
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Fidelity credit card FAQ
Does Fidelity credit card have a cash back or rewards program?
This is a cashback card. This means you earn a percentage of your purchases as cash back rewards.
| Description |
Does Fidelity credit card have a signup bonus?
This card doesn't offer a cash signup bonus.Does Fidelity credit card offer an annual loyalty bonus?
This card doesn't offer a cash loyalty bonus.What are the Fidelity credit card benefits?
Fidelity Rewards Visa Signature Card provides the following benefits:
- Auto Rental Collision Damage Waiver
- Emergency Support
- Zero fraud liability
- Travel Accident Insurance
- Travel Assistance
- Reports to major credit bureaus
What are the relevant APRs for Fidelity credit card?
According to the Federal Reserve Board, the average regular APR for accounts that carry a balance (as of November 2024) is 22.80%. This card has lower than average regular APRs.Fidelity Rewards Visa Signature Card has a variable purchase APR of 13.99%. The card has a variable balance transfer APR of 13.99% . It also has a variable cash advance APR of 23.99% .
The good news is this card does not charge a penalty APR if you are late on a payment.
Does Fidelity credit card have an intro APR offer on balance transfers?
No, it does not come with an intro APR offer for balance transfers.Does Fidelity credit card have an intro APR offer on new purchases?
This card does not offer an intro APR rate on new purchases.What are the fees for Fidelity credit card?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Returned Payment Fee | Up to $35 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Foreign Currency Transaction Fee | Starting at 1% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Annual Fee | $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| No Annual Fee? | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Paper Statement Fee | Starting at $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Late Fee Amount | Up to $40 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Cash Advance Fee ($) | Starting at $5 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Cash Advance Fee (%) | Up to 3% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost cashback card.
Does Fidelity credit card have a foreign transaction fee?
Fidelity credit card charges a foreign transaction fee of up to 1%. For example, if you spend $2,000 on a week vacation abroad you would pay a foreign transaction fee of $20. If you travel abroad you may want to leave this card at home and apply for one that doesn't charge foreign transaction fees.What is the customer service phone number for Fidelity credit card?
The customer service number for Fidelity credit card is (800) 343-3548.
What is the support contact email for Fidelity credit card?
The support contact email for Fidelity credit card is info@fidelity.com.
How do people rate the customer service and user experience of Fidelity credit card?
Overall, Fidelity credit card is mostly recommended based on community reviews that rate customer service and user experience.
Does Fidelity Rewards Visa Signature Card report your account activity to credit bureaus?
Yes, Fidelity Rewards Visa Signature Card reports to the following credit bureaus:
- Equifax
- Experian
- TransUnion
Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and may help build your credit.
Does Fidelity perform a hard credit pull?
Yes, Fidelity credit card performs a hard credit pull when you apply for a loan. Additionally, it doesn't provide the option to check your rates using a soft credit pull, a feature that many lenders offer.
Click here to get prequalified rates from multiple leading lenders without a hard credit pull. However, if you accept a loan offer, a hard credit pull will likely be performed.
How to apply for Fidelity credit card
- Visit the website of Fidelity credit card.
- Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, and annual income.
- Check the information is accurate and submit your application.
If your credit score is preventing you from qualifying for this credit card, check out our guide for the best credit cards for bad credit.
Fidelity Rewards Visa Signature Card Disclosure: The APR may vary and as of 8/19/2019, the variable APR for Purchases and Balance Transfers is 15.99%. The variable APR for Cash Advances is 25.99%. Cash Advance fee: 3% of each advance amount, $5 minimum. Convenience Check fee: 3% of each check amount, $5 minimum, Cash Equivalent fee: 3% of each cash amount, $10 minimum. Balance Transfer fee: 3% of each transfer amount, $5 minimum. There is a $2 minimum interest charge where interest is due. The annual fee is $0. Foreign Transaction fee: 1% of each foreign purchase transaction or foreign ATM advance transaction in U.S. dollars. 1% of each foreign purchase transaction or foreign ATM advance transaction in a foreign currency. We may change APRs, fees, and other account terms in the future based on your experience with Elan Financial Services and its affiliates as provided under the Cardmember Agreement and applicable law.
SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...
Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author's alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.
Message from Fidelity credit card
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Learn MoreSuperMoney Net Recommendation Score
SuperMoney users mostly recommend this product, giving it a user recommendation score of +46, or 3.9 on a 5-point rating scale.
+46
-1000+100
No one recommends
Everyone recommends
Fidelity Rewards Visa Signature Card Community Reviews
Would you recommend Fidelity Rewards Visa Signature Card to your friends?
LP
Lagnier P.
Jun 13, 2023
May or may not recommend
Seeking Alpha charged my Fidelity credit card for a renewal fee. I tried to cancel on the website but I could not. I let 2 phone messages; no return calls. I filed a complaint with BBB. Seeking Alpha never responded to BBB. I disputed the charge with Fidelity. Fidelity denied the charge back
TM
Tony M.
Oct 12, 2022
May or may not recommend
I highly recomend this card on the basis of that there is no annual fee and I get my rewards depositied directly to my individual brokrage account
NA
Nahed A.
Aug 3, 2022
May or may not recommend
Fidelity is a very reputable company with great customer service but I have asked them to get involved as Elan first lost $1,373 worth of payments. Then customer service simply does not wish to help but rather hang up on you when the issue is more involved than a simple balance question or something completely effortless like that. They refuse to give full name extension or direct phone #'s. Claim ...Show More
SR
Samuel R.
Jun 29, 2022
May or may not recommend
The Fidelity Signature Card is a credit card that I would highly recommend. There is no annual fee and access to decent cash back at 2% on all purchases, which can be directly deposited into another Fidelity account. However, this is given as points that can be spent on things other than cash through their point store. The main downside to their cash back program is that you do not ...Show More
JN
Joel N.
Dec 21, 2021
May or may not recommend
I would highly recommend the Fidelity Rewards Visa Signature card. I have this card for many years. They provide a high credit limit and a low interest rate on the outstanding balance as compared to other credit cards out there.
Johnny M.
Aug 20, 2021
May or may not recommend
I would like to fill out the application and see where it takes me ok
VN
Victoria N. W.
Jan 15, 2021
May or may not recommend
I like to have this card maile to me at : p.o box 322 sierra Blanca texas 79851
Ralph B.
Jan 12, 2021
May or may not recommend
The Fidelity Rewards card is my favorite card of all the credit cards I possess. I get 2% cashback on all purchases, low APRs, and no annual fee!
The mobile app also makes it easy to keep track of payments. What's there not to like?
I have always been happy with this card, and I have been recommending it to people and telling them the wonderful perks.
DW
Deonne W.
Oct 24, 2020
May or may not recommend
I really like having my credit with Fidelity. The Fidelity Rewards Visa Signature card allows me to be able get cashback with purchases and makes it easy to keep track of my payment history on the mobile app. I don't have an annual fee and it has a digital wallet that I can use with Samsung Pay for purchases at the store and online.
BN
Benjamin N.
Aug 6, 2020
May or may not recommend
I would recommend this because of the low APR and the $0 annual fee.
KM
Keith M.
Jan 28, 2020
May or may not recommend
The Fidelity Card issuer is actually Elan Financial Services. They are well known on the internet for their horrible customer service. Don't expect any support if you dispute a charge. No way to upload support documents, they don't allow email communication, and the case managers never returned calls. They appear to accept the vendor bs because that's where the money is. Stay away if you ...Show More
Xavier W.
Aug 31, 2019
May or may not recommend
Seems like a winner, I could use the extra cash and to boost my credit score.
Miron L.
Jul 25, 2019
May or may not recommend
This is a good card for Fidelity account holders. Unlimited 2% cash back without category restrictions and NO ANNUAL FEE. The fact that you can redeem your cash back into an eligible Fidelity brokerage is a good way to psychologically encourage yourself to invest your cash back rewards instead of wasting them.
Showing 13 of 13 reviews
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