4.5 / 5
- Welcome
- $1,000 cash
- Annual fee
- $0
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Fidelity · fidelity rewards
Fidelity Rewards Visa Signature Card
4.0 / 5
Cash back · Personal card
Every purchase earns 2% and the rewards sweep straight into a brokerage, IRA, HSA or 529 account, with no annual fee and no foreign transaction fee. There is no welcome bonus, so its value comes entirely from long-term use.
At a glance
- Welcome bonus
- No welcome bonus
- No spend requirement
- Annual fee
- $0
- Purchase APR
- 16.49% to 26.49%
- No intro APR
- FX fee
- None
Editorial
Our take
Every purchase earns 2% and the rewards sweep straight into a brokerage, IRA, HSA or 529 account, with no annual fee and no foreign transaction fee. There is no welcome bonus, so its value comes entirely from long-term use.
Verdict
Pros & cons
Pros
- Unlimited 2% with no categories to track and no caps
- No annual fee and no foreign transaction fee
- Rewards can be deposited into retirement, HSA, 529 and charitable accounts
- Up to $100 in Reward Points for a Global Entry or TSA PreCheck application fee
Cons
- No welcome bonus at all, which costs you $150 to $250 versus rival 2% cards
- The full 2% only applies to deposits into an eligible Fidelity account. Other redemptions are worth less
- No intro APR offer on purchases or balance transfers
Earnings
Earn rates
| Category | Rate | Notes |
|---|---|---|
| All other purchases | 2% | 2 Reward Points per $1 on eligible net purchases. The 2% value applies only when Points are redeemed as a deposit into an eligible Fidelity account. Other redemptions are worth less. |
Benefits
Key benefits
Unlimited 2% into a Fidelity account
Every purchase earns 2 Points per dollar with no categories, caps or expiration, worth 2% when deposited into an eligible Fidelity account.
Broad set of eligible accounts
Rewards can be deposited into most nonretirement accounts plus Traditional, Roth, Rollover and SEP IRAs, a Fidelity Charitable Giving Account, a Fidelity HSA, or a Fidelity-managed 529.
Global Entry or TSA PreCheck benefit
Earn up to $100 in Reward Points when you pay the Global Entry or TSA PreCheck application fee with the card.
No annual fee and no foreign transaction fee
The Elan terms disclosure lists both the annual membership fee and the foreign transaction fee as None.
Fit
Who this is best for
- Fidelity customers who want cash back invested rather than spent
- Anyone who wants a simple flat-rate card that works abroad without a surcharge
- People funding an HSA, IRA or 529 who want an automatic contribution stream
FAQ
Frequently asked questions
What is the Fidelity Rewards welcome bonus?
No welcome bonus.
Does the Fidelity Rewards charge an annual fee?
No. The Fidelity Rewards has a $0 annual fee.
Does the Fidelity Rewards have a foreign transaction fee?
No. The Fidelity Rewards charges no foreign transaction fee, so it works well for international purchases.
What APR does the Fidelity Rewards charge?
The purchase APR is 16.49% to 26.49% variable.
Who is the Fidelity Rewards best for?
Fidelity customers who want cash back invested rather than spent. Anyone who wants a simple flat-rate card that works abroad without a surcharge. People funding an HSA, IRA or 529 who want an automatic contribution stream.
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Apply
Fidelity Rewards Visa Signature Card
No spend requirement
Rates accurate as of September 4, 2026. Issuer terms.