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Fidelity Rewards Visa Signature Card 2021 Review
This card earns two points per dollar on all purchases. When redeemed for deposit into a qualifying Fidelity account this is equivalent to 2% cash back. There are no spending limits or other restrictions on reward earnings.
You can redeem points by direct deposit into an eligible Fidelity account for 2% cash back in any amount at any time. A minimum of 2,500 points must be accrued to for redemption.
Eligible Fidelity accounts include most non-retirement accounts as well as Fidelity IRAs, HSAs, Charitable Giving accounts, and the 529 College Savings Plan account. One option for non-Fidelity clients is the Fidelity Cash Management Account, an alternative to a traditional checking account. The Cash Management Account is FDIC-insured and offers ATM fee reimbursement worldwide.
You can redeem points for travel or merchandise at an effective rate of 1%. These reward offers begin at 2,500 points. Points are redeemed through the Fidelity Rewards Center. Because this earnings rate is half the value of cash back, it’s best to set up redemption to a Fidelity account to ensure you get the full 2% value on your rewards.
The flat 2% cash back earnings of the Fidelity Rewards Visa Signature card makes calculating potential rewards easy. For people who put all of their expenses on this card, each year the 2% cash back rate will return $500 or more in rewards.
To arrive at this number, Forbes Advisor uses data from various government agencies in order to determine both baseline income and spending averages across various categories. The 70th percentile of wage-earning households brings in $100,172 annually and has $52,820 in standard expenses. Assuming 50% of such expenses are charged to this card, total annual card spending would be $26,410. Thus, the 2% cash back rate of the Fidelity Rewards Visa Signature would generate $528 in cash back for this household.
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Everything you need to know about the Fidelity Rewards Visa Signature Card
A good cash-back credit card can help you earn anywhere from 1% to 6% cash back on your spending. But cash-back investment cards take this concept one step further, allowing cardholders transfer their points into an investment vehicle that earns compound interest on top of their rewards.
The no-annual-fee Fidelity® Rewards Visa Signature® Card is one such card. Fidelity account holders can earn 2% cash back on all eligible spending, which is the highest flat-rate cash-back rate among investment credit cards. Every $2,500 you spend charge to your Fidelity Rewards card equals a $50 deposit into your eligible Fidelity investment account(s).
Below, CNBC Select breaks down the rewards, benefits and fees associated with the Fidelity Rewards Visa Signature Card to help you decide if it's the right card for you.
Fidelity Rewards Visa Signature Card review
Fidelity® Rewards Visa Signature® Card
2% cash back on every eligible net purchase
Balance transfer fee
Either 3% of the amount of each transfer or $5 minimum, whichever is greater
Foreign transaction fee
- Straight-forward cash-back program
- You can deposit your rewards in up to five qualifying accounts at a time
- Visa Signature® perks and benefits
- 1% foreign transaction fee
Fidelity Rewards Visa Signature Card rewards
Cardholders with a qualifying Fidelity investment account can earn unlimited 2% cash back on all eligible spending, with no categories or limits on reward points earned. They can then put that cash directly back into the market.
Every eligible $1 spent equals 2 Reward Points, which don't expire. Points can be deposited in up to five qualifying Fidelity accounts at once. Eligible accounts include most nonretirement accounts as well as the following:
- Traditional IRA
- Roth IRA
- Rollover IRA
- SEP IRA
- Fidelity Charitable® Giving Account®
- Fidelity HSA®
- Fidelity®-managed 529 College Savings Plan accounts
Terms apply for all eligible accounts, subject to IRS rules.
The 2% cash-back rewards value applies only to the points you redeem for a deposit into an eligible Fidelity account. You can choose to redeem your points for other rewards such as travel, merchandise, gift cards, and/or statement credit, but the redemption value could possibly be less.
Using data from the data location firm Esri, CNBC Select estimates that the average American spends about $1,844 in retail purchases per month (see our methodology). Using Fidelity's cash-back calculator, charging $1,800 per month to your Fidelity Rewards Visa Signature card could translate to $432 cash back in a year and $19,312 in your investment portfolio over 20 years.
Like all Visa Signature® cards, the Fidelity Rewards card comes with a number of perks, including 24-hour concierge service; special offers on travel, dining, sporting, entertainment and shopping; emergency cash and card replacement; travel and emergency assistance services; accident services and auto rental collision damage waiver; lost luggage reimbursement; and roadside dispatch.
You can make contactless payments with this card, so all you have to do is tap to pay at checkout (where that service is available).
The card also has zero-fraud liability, so if your card is used without your consent and you report it, you won't be held liable for the costs.
Terms apply for all benefits.
To determine which credit cards offer the best value, CNBC Select analyzed popular credit cards available in the U.S. We compared each card on a range of features, including rewards, welcome bonus, introductory and standard APR, balance transfer fee and foreign transaction fees, as well as factors such as required credit and customer reviews when available. We also considered additional perks, the application process and how easy it is for the consumer to redeem points.
CNBC Select teamed up with location intelligence firm Esri. The company's data development team provided the most up-to-date and comprehensive consumer spending data based on the 2019 Consumer Expenditure Surveys from the Bureau of Labor Statistics. You can read more about their methodology here.
Esri's data team created a sample annual budget of approximately $22,126 in retail spending. The budget includes six main categories: groceries ($5,174), gas ($2,218), dining out ($3,675), travel ($2,244), utilities ($4,862) and general purchases ($3,953). General purchases include items such as housekeeping supplies, clothing, personal care products, prescription drugs and vitamins, and other vehicle expenses.
Taking this annual budget of $22,126 and dividing it into monthly categories, CNBC Select estimates that the average American monthly spend is $1,843.83.
CNBC Select used this budget to estimate how much the average consumer would save over the course of a year, two years and five years, assuming they would attempt to maximize their rewards potential by earning all welcome bonuses offered and using the card for all applicable purchases. All rewards total estimations are net the annual fee.
While the five-year estimates we've included are derived from a budget similar to the average American's spending, you may earn a higher or lower return depending on your shopping habits.
Information about theCapital One VentureOne Rewards Credit Card. has been collected independently by CNBC and has not been reviewed or provided by the issuer prior to publication.
Fidelity® Rewards Visa Signature® Card
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.
1. You will earn 2 Points per dollar in eligible net purchases (net purchases are purchases minus credits and returns) that you charge. Account must be open and in good standing to earn and redeem rewards and benefits. Upon approval, refer to your Program Rules for additional information. You may not redeem Reward Points, and you will immediately lose all of your Reward Points, if your Account is closed to future transactions (including, but not limited to, due to Program misuse, failure to pay, bankruptcy, or death). Reward Points will not expire as long as your Account remains open. Certain transactions are not eligible for Reward Points, including Advances (as defined in the Agreement, including wire transfers, travelers checks, money orders, foreign cash transactions, betting transactions, lottery tickets and ATM disbursements), Annual Fee, convenience checks, balance transfers, unauthorized or fraudulent charges, overdraft advances, interest charges, fees, credit insurance charges, transactions to fund certain prepaid card products, U.S. Mint purchases, or transactions to purchase cash convertible items. The 2% cash back rewards value applies only to Points redeemed for a deposit into an eligible Fidelity account. The redemption value is different if you choose to redeem your Points for other rewards such as travel options, merchandise, gift cards, and/or statement credit. Other restrictions apply. Full details appear in the Program Rules new card customers receive with their card. Establishment or ownership of a Fidelity account or other relationship with Fidelity Investments is not required to obtain a card or to be eligible to use Points to obtain any rewards offered under the program other than Fidelity Rewards.
Because the interest and other fees charged on any outstanding balance are greater than the cash value of the rewards points, you may pay more in fees and interest than the value of the points you earn if you do not pay your bill in full each month.
To receive a deposit, you must link your eligible Fidelity® account to your card. This can be accomplished in any of following ways. 1. You may contact Elan Financial Services Customer Service at the toll-free phone number located on the back of your credit card and provide them with your eligible Fidelity® account (s) number. 2. Simply select the “Manage Reward Points” hyperlink from the credit card snapshot page on Fidelity.com and follow the easy steps. You may also watch a brief video that describes the linking process on the credit card snapshot page also found on Fidelity.com. Please note that automatic redemptions will occur on a monthly basis as long as you have reached the point redemption threshold of 2,500 Points.
Eligible accounts include most nonretirement registrations as well as Traditional IRA, Roth IRA, Rollover IRA, SEP IRA, Fidelity Charitable® Giving Account®, Fidelity HSA®, and Fidelity®-managed 529 College Savings Plan accounts. The ability to contribute to an IRA or 529 college savings plan account is subject to IRS rules and specific program policies, including those on eligibility and annual and maximum contribution limits. Full details appear in the Program Guidelines new card customers receive with their card. Contributions to Fidelity Charitable® are generally eligible for a federal income tax charitable deduction. Please consult with your tax advisor. The list of eligible registration types may change without notice at Fidelity’s sole discretion. For more information about whether a particular registration is eligible, please call 1-800-FIDELITY (800-343-3548).
5. Certain restrictions apply to each benefit. Details accompany new account materials.
Elan Financial Services provides zero fraud liability for unauthorized transactions. Cardmember must notify Elan Financial Services promptly of any unauthorized use. Certain conditions and limitations may apply.
Cardmembers are responsible for the cost of any goods or services purchased by the Visa Signature Concierge on cardmembers’ behalf.
Eligible assets include those invested through Fidelity® Wealth Services, Fidelity® Strategic Disciplines, or a combination of both registered as an individual account, a joint account, or certain types of revocable trusts. Assets in other registration types, such as irrevocable trusts, partnerships, or LLCs, will not be included when determining program eligibility. Fidelity Rewards is not offered as a component of any advisory service or program through Fidelity, including, without limitation, Fidelity® Wealth Services and Fidelity® Strategic Disciplines. While there are no program enrollment fees, eligible accounts are charged an advisory fee.
Fidelity Charitable® is the brand name for Fidelity Investments® Charitable Gift Fund, an independent public charity with a donor-advised fund program. Various Fidelity companies provide services to Fidelity Charitable. The Fidelity Charitable name and logo and Fidelity are registered service marks of FMR LLC, used by Fidelity Charitable under license.
"Giving Account" is a registered service mark of the Trustees of Fidelity® Charitable.
Apple and the Apple logo are trademarks of Apple Inc., registered in the U.S. and other countries. Apple Pay is a trademark of Apple Inc.
Google, Google Pay and the Google Logo are trademarks of Google LLC.
©2020 Samsung Pay is a registered trademark of Samsung Electronics Co., Ltd. Use only in accordance with law.
© 2021 The Kiplinger Washington Editors. Used under License.
Fidelity Go® provides discretionary investment management for a fee. Advisory services offered by Fidelity Personal and Workplace Advisors LLC (FPWA), a registered investment adviser. Brokerage services provided by Fidelity Brokerage Services LLC (FBS), and custodial and related services provided by National Financial Services LLC (NFS), each a member NYSE and SIPC. FPWA, FBS and NFS are Fidelity Investments companies.
The creditor and issuer of this card is Elan Financial Services, pursuant to a license from Visa U.S.A. Inc.
Fidelity® and Elan Financial Services are separate companies.
Visa and Visa Signature are registered trademarks of Visa International Service Association and are used by the issuer pursuant to a license from Visa U.S.A., Inc.
Third-party trademarks appearing herein are the property of their respective owners. All other service marks are property of FMR LLC.
Fidelity Brokerage Services LLC, Member NYSE, SIPC, 900 Salem Street, Smithfield, RI 02917
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Manage your Fidelity® Visa Signature® Card
Find my credit card information
After logging in to your portfolioLog In Required, you'll see your credit cards listed:
If you can't find your credit card account online, here are a few possible reasons:
- Your Social Security number (SSN) and/or date of birth don't match between Elan's and Fidelity's records
- Your account is hidden in your portfolioLog In Required; view the accounts list, select Customize, and make sure the box is unchecked
- You aren't the card owner; have the card owner call Elan Cardmember Service to discuss options
If you do not have a Fidelity.com login, you can manage your card through Elan Financial Services:
Your Credit Card Snapshot is where you can:
- View statements and posted/pending transactions
- Make payments and set up automatic payments
- Check your balances
- Manage and redeem Reward Points
View my online statements
From your Credit Card SnapshotLog In Required, select View Statements for a list of your available statements.
You can view 18 months of statements online, and can download transactions by using Quicken®, QuickBooks™, and Microsoft® Excel.
Request paper statement copies
From your Credit Card SnapshotLog In Required, select Account Services:
- Enter the beginning and ending dates of the statements you want to receive
- Statements prior to August 2016 are available by mail only
- You can also call Elan Cardmember Service
- You should receive your statements within 1–2 weeks
- You may be charged a $5 fee for each statement
View my transactions or dispute a transaction
From your Credit Card SnapshotLog In Required, select View Transactions:
To view transaction details:
- From the Transaction's description, select expand symbol (+) to view a transaction's details
To dispute a transaction:
- Select Dispute This Transaction within the transaction's details
View transaction details, including merchant information (e.g., phone number, city, state, country), merchant category (food, discount store, restaurant), and purchase method (e.g., chip card reader, digital wallet, online, mail phone)
- You'll see the last 6 months of your transactions
- You can view Posted and Pending transactions
- You can view a list of recurring transactions (when merchants have notified us that they have stored your card information for recurring payments)
Understand my payment options
There are a few ways to make credit card payments:
- Use Elan's payment services: AutoPay or Make a Payment, or
- Use Bill Pay, or
- Set up third-party payments on your bank's or another financial service's website, or
- Call Elan Cardmember Service, or
- Mail a check to Elan
If you're using Bill Pay or another payment method, rather than Elan's payment services, please make your payment to Elan Financial Services.
Note: Elan cardmember service representatives can assist with all payment inquiries. However, they only have full access for payments made through Elan's payment services. Payment inquiries to Elan for payments from third parties or Fidelity may require additional assistance from the third-party payment provider.
Add payment accounts using Elan's payment service
From your Credit Card SnapshotLog In Required, under Credit Card Management, select Set Up AutoPay:
- Under Payment tab, select Make a Payment or AutoPay
- Follow the steps to add a payment account
Note: These steps only set up your payment account; you are not making a payment.
After you've added the payment account, select the Payment tab to proceed to AutoPay or Make a Payment.
Use Elan's payment services: AutoPay or Make a Payment
After you add a payment account, you can make a one-time payment or set up automatic monthly payments. On your Credit Card SnapshotLog In Required, under Credit Card Management:
- Select AutoPay and the Payment tab displays
- Choose AutoPay or Make a Payment
- Indicate if you're paying the minimum, the full balance, or
- Select Other Amount and enter the dollar amount
- Select a Payment Day
- Review the information and Submit
When you enroll in AutoPay, please continue to make regular payments until you see the AutoPay confirmation on your statement.
- If you set up Payment Posted alerts, you'll get an email or text confirming your payments1
- You can add another payment account or change the existing account you've set up
Get payment reminders, security, and other account alerts
From your Credit Card SnapshotLog In Required, under Credit Card Management, select Set Up Alerts:
- Find the alert you want
- Activate the alert by selecting Setup (or Delete)
- Select Save
- Alerts are sent to the email address or phone number you've provided
- Each alert must be set up, edited, or deleted separately
- Account alerts track transactions in real time and are not the same as Fraud Alerts notifications
- Account Alerts are notifications sent via email or text message when important account activity occurs, such as a posted transaction or a payment due. You can set up where you would like an email or text message notification delivered.
- Security Alerts are notifications sent to you via email or text message when your important account or personal information changes.
- Fraud Alerts are notifications sent by our fraud department via text messages or phone calls to alert you to suspicious activity on your account.
Set up fraud alert text notifications for suspicious activity
From your Credit Card SnapshotLog In Required, select Set Up alerts in the credit card management section, then select the Fraud Alerts tab:
- Select Update Contact Information
- On the Update Contact Information page, scroll to the phone number section
- Enter your text-enabled cell phone number to confirm you'd like to receive fraud alert text notifications
Fraud alerts notifications enable you to receive text messages or phone calls to alert you of suspicious activity on your account.1
Note: Fraud Alerts notifications are not the same as Account Alerts, but they can be used together to track your card's activity.
Report unauthorized transactions or a lost or stolen card
From your Credit Card SnapshotLog In Required, select Services, then select Report Card Lost or Stolen. The online experience will guide you through the process and provide information and instructions.
You can also call Elan Cardmember Service.
- Set up Fraud Alerts notifications to monitor suspicious activity
- You're not responsible for charges you didn't make or authorize2
Set up or manage travel notifications
From your Credit Card SnapshotLog In Required, select Account Services and then select Travel Notification:
- Enter your trip dates and the state or country you'll visit
- Your list of upcoming trips displays on the page
- You can also add another destination or trip
- If your plans change, you can delete travel notifications
Add an authorized user on my card
From your Credit Card SnapshotLog In Required, select Account Services and then select Add an Authorized User:
- You should receive the card for the new authorized user within 10 days
- Elan sends the authorized user's card to the primary account holder's address
The Authorized User is authorized to make purchases on an account, but has no legal or financial responsibility for the account.Note: The joint owner is the person authorized to use the card on the account and has the same legal and financial responsibility as the applicant/owner.
Manage my account on my mobile device using the Fidelity Mobile App
From the Apple App Store or the Google Play Store:
- Download the Fidelity Investments app
- Open the Fidelity app and log in
- Choose Accounts from the menu and select your credit card account
You can manage your Fidelity credit card, anywhere, anytime. These are a few of the features available:
- Pay your bill
- View transactions
- Add travel notifications
- Lock/Unlock your card
- Quickly report your card lost or stolen
- Request a card replacement
- Activate your card
Refer to the FAQs below to learn more about making mobile payments with your mobile device and how to add your card to the digital wallet.
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