Fidelity Rewards Visa Signature Card | Credit Card | Fidelity (2024)

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. Subject to applicable law, 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), 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.

2.

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).

3.

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.

4. Certain restrictions apply to each benefit. Details accompany new account materials.

5.

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.

6.

Cardmembers are responsible for the cost of any goods or services purchased by the Visa Signature Concierge on cardmembers’ behalf.

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.

Fidelity Charitable is the brand name for the 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.

©2021 Samsung Pay is a registered trademark of Samsung Electronics Co., Ltd. Use only in accordance with law.

©2022 The Kiplinger Washington Editors. Used under License.

The Contactless Symbol and Contactless Indicator are trademarks owned by and used with the permission of EMVCo, LLC.

Fidelity Go® provides discretionary investment management, and in certain circumstances, non-discretionary financial planning, 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

Fidelity Rewards Visa Signature Card | Credit Card | Fidelity (2024)

FAQs

How does Fidelity Rewards Visa signature card work? ›

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.

What is the credit limit on a Visa Signature Card? ›

The Visa Signature Rewards Card is the only credit card you'll ever need. You're eligible with your excellent credit and minimum $5,000 credit limit. No annual fee, no balance-transfer fees, no cash-advance fees, and no foreign-transaction fees.

What is the APR for Fidelity Rewards Visa Signature credit card? ›

You can choose to receive a statement credit or direct deposit into most U.S. checking and savings accounts. Cash Back rewards do not expire as long as your account is open! Enjoy 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 20.49% - 29.24%.

Is a Visa Signature card worth it? ›

Visa Signature cards are a higher tier than Visa Traditional cards, and they provide cardholders with added benefits and perks. Requirements vary by card and issuer, but Visa Signature cards like the Chase Sapphire Preferred® Card generally require good to excellent credit.

Can I withdraw cash from my Fidelity credit card? ›

You can get a Fidelity® Credit Card cash advance at any ATM that accepts Visa cards. Just keep in mind that you may have to pay an ATM fee for each cash advance transaction. Alternatively, you can get a cash advance at any bank or credit union that offers advances on the Visa network.

How does Fidelity credit card rank? ›

Fidelity® Credit Card has a rating of 4.0/5 according to our proprietary credit card rating system. This rating reflects how appealing Fidelity® Credit Card's terms are compared to a pool of more than 1,500 credit card offers tracked by WalletHub.

Is it hard to get a Visa Signature card? ›

Yes, a Visa Signature credit card can be hard to get, seeing as how some of the best Visa Signature credit cards require a higher income and good or excellent credit for approval.

Which is better, Visa Signature or Platinum? ›

Key Differences between Visa® Platinum and Visa® Signature

A Visa® Signature card offers low rates, but not as low as the Platinum card. Visa Signature rates are as low as 9.90%. The main differentiator between Platinum and Signature cards is that Signature cards earn Cash Back rewards.

What credit score do you need for a Visa Signature? ›

To get the lowest rate for either a Visa Platinum or a Visa Signature, a credit score of at least 760 or higher is ideal (subject to change).

Which bank issues a Fidelity credit card? ›

Elan Financial Services is the creditor and issuer of the Fidelity® Rewards Visa Signature® Card program. Fidelity has worked with Elan to provide this credit card program; however, Fidelity and Elan Financial Services are separate companies. To apply for a card, apply online or call 888-325-6196.

How many credit cards should one have? ›

It's generally recommended that you have two to three credit card accounts at a time, in addition to other types of credit. Remember that your total available credit and your debt to credit ratio can impact your credit scores. If you have more than three credit cards, it may be hard to keep track of monthly payments.

Can a Fidelity Visa card be used at any ATM? ›

Use your Fidelity® Debit Card for any purchases where Visa is accepted and withdraw cash at ATMs worldwide wherever you see the Visa, Plus®, or Star® logos.

What is the difference between a Visa card and a signature card? ›

On top of those “Visa Traditional” perks, Visa Signature credit cards give you extended warranties, a detailed year-end summary and travel assistance services. Visa Signature have more benefits than regular Visa cards because they're for customers with better credit and more income.

What is the limit on the Visa signature card? ›

Visa Signature cards come with a minimum credit limit of $5,000, so that's one barrier of entry for new cardholders who apply. If you cannot qualify for a credit limit of at least that amount, it's likely you'll receive a traditional Visa card in situations where different tiers of the same card are offered.

How does a Visa signature card work? ›

Credit cards branded as Visa Signature cards come with extra perks and benefits beyond those offered to cardholders with a standard Visa card. These benefits could range from extra protections on purchases to travel deals and concierge access.

How to use Fidelity Visa card? ›

The Card can be used to authorise transactions in the following ways: a. Use a PIN to access funds at any ATM or at a Card Terminal that displays the Scheme sign; or b. any other payment company and to pay for charges incurred by the Merchant.

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