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  Fidelity Rewards Visa Signature Card

Fidelity Rewards Visa Signature Card

in Personal Credit Cards from Fidelity

Unaffiliated

Fidelity Rewards Visa Signature Card

Unaffiliated

in Personal Credit Cards from Fidelity

SuperMoney Net Recommendation Score +67

SUPERMONEY NET RECOMMENDATION SCORE

This product is strongly recommended by SuperMoney users with a score of +67, equating to 4.3 on a 5 point rating scale.

+67

Recommendation score measures the loyalty between a provider and a consumer. It's at +100 if everybody recommends the provider, and at -100 when no one recommends.

Strongly recommended

7 users recommend
1 user is unsure
1 user doesn't recommend
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Highlights
Community Rating Strongly recommended
Purchase APR  (Variable APR) 13.99%
Balance Transfer APR  (Variable APR) 13.99%
Credit Score Range 680 - 840
Annual Fee $0
Number of Reviews 9

Fidelity Rewards Visa Signature Card Review

This is a cashback credit card issued by Fidelity. If you're wondering whether Fidelity credit card is the right card for you, read on. This review will provide you with with all the details you need to make a good choice.

Key Takeaways
  • Competitive APRs. Fidelity Rewards Visa Signature Card has a variable 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 purchases, but you don't have to pay an annual fee for the privilege.
  • 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 1% every time you make a transaction outside the U.S.
  • Multiple credit card benefits. Includes generous credit card perks, such as rental insurance, access to a concierge, emergency support, purchase protection, travel accident insurance, travel assistance, and fraud protection.
  • Good or better credit required. You will have low approval odds if your credit score is below 680.
Pros & Cons of Fidelity credit card
The Good The Bad
  • No limit on total rewards points.
  • Cardholders earn 2 points for every dollar spent, with no restrictive categories.
  • Lower than average purchase APRs.
  • No annual fee.
  • Multiple credit card perks.
  • Offers auto rental collision damage waiver.
  • Access to a concierge.
  • Travel accident and travel assistance insurance.
  • Cardholders can earn rewards on purchases everywhere Fidelity Rewards Visa Signature Card is accepted.
  • Fidelity Rewards Visa Signature Card reports to multiple credit bureaus.
  • Must redeem points into a Fidelity account to earn 2% cash back.
  • Requires good to excellent credit.
  • Does not offer a signup bonus.
  • Charges a foreign transaction fee of 1%.
  • Charges a 3% balance transfer fee.
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. You will receive 2% cash back on travel, dining, groceries, drugstore purchases, or any other purchase. For example, if you buy a $1,000 laptop, you will receive $20 back in cash.

Fidelity credit card Rewards
Minimum rewards rate 2x
Max rewards rate 2x
Annual rewards limit N/A

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?

It 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 is 15% for all credit cards and 17% for accounts that carry a balance. It has lower than average regular APRs.

It 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?

The following fees apply:

Fidelity credit card Fees
Fees Amount
Annual Fee $0
Foreign Transaction Fee 1%
Returned Payment Fee up to $35
Late Payment Fee up to $40

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 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 Fidelity credit card customer service number is (800) 343-3548.

How do people rate the customer service and user experience of Fidelity credit card?

Overall, Fidelity credit card is strongly 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 your account activity to the following credit reporting agencies:

  • 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 improve your credit.

How to apply for Fidelity credit card

  • Visit the Fidelity credit card website.
  • 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 Rewards Visa Signature Card

Earn unlimited 2% cash back with no annual fee.* This just might be the only credit card you'll ever need

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Other Services by Fidelity

Availability

  Available in 50 states and Washington, D.C.
  • Alabama
  • Alaska
  • Arizona
  • Arkansas
  • California
  • Colorado
  • Connecticut
  • Delaware
  • Washington, DC
  • Florida
  • Georgia
  • Hawaii
  • Idaho
  • Illinois
  • Indiana
  • Iowa
  • Kansas
  • Kentucky
  • Louisiana
  • Maine
  • Maryland
  • Massachusetts
  • Michigan
  • Minnesota
  • Mississippi
  • Missouri
  • Montana
  • Nebraska
  • Nevada
  • New Hampshire
  • New Jersey
  • New Mexico
  • New York
  • North Carolina
  • North Dakota
  • Ohio
  • Oklahoma
  • Oregon
  • Pennsylvania
  • Rhode Island
  • South Carolina
  • South Dakota
  • Tennessee
  • Texas
  • Utah
  • Vermont
  • Virginia
  • Washington
  • West Virginia
  • Wisconsin
  • Wyoming

Feature Breakdown

No Annual Fee
Annual Fee $0
No Interest Grace Period for Late Payment 24 days
Paper Statement Fee $0
Cash Advance Fee Minimum $5
Cash Advance Fee (%) Up to 3%
Minimum Cash Advance Fee ($) Starting at $5
Foreign Currency Transaction Fee 1%
Minimum Interest Charge $2
Returned Payment Fee Up to $35
Late Fee Amount Up to $40
Customer Type Personal
Minimum Age 18
Supported Income Types
  • 1099 Misc. Income
  • Payroll Check or Prepaid Card
  • Tax Returns
Military Status
  • Active Duty Military
  • Military Dependent
  • Non-Military
  • Veterans
Employment Statuses Considered
  • Employed Full-Time
  • Employed Part-Time
  • Other
  • Retired
  • Self-Employed
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Checking Account Required
Credit Score Range 680 - 840
Credit Bureau Reporting
  • Equifax
  • Experian
  • TransUnion
Credit Card Benefits
  • Auto Rental Collision Damage Waiver
  • Concierge
  • Emergency Support
  • Fraud Liability
  • Purchase Protection
  • Travel Accident Insurance
  • Travel Assistance
No Reward Expiration Period
Rewards Categories
  • Every Purchase
Cash Advance APR (Variable APR) 23.99%
Balance Computation average daily balance
Penalty APR (Variable APR) 0%
Purchase APR (Variable APR) 13.99%
Balance Transfer APR (Variable APR) 13.99%
Balance Transfer Fee Minimum $5
Balance Transfer Fee % 3%
Card Type
  • Balance Transfer
  • Cashback
  • Rewards
Card Network Visa

Fidelity Rewards Visa Signature Card Community Reviews

 

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SUPERMONEY NET RECOMMENDATION SCORE

This product is strongly recommended by SuperMoney users with a score of +67, equating to 4.3 on a 5 point rating scale.

+67

Recommendation score measures the loyalty between a provider and a consumer. It's at +100 if everybody recommends the provider, and at -100 when no one recommends.

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