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529 College RewardsSM American Express® Card

Earn cash-back rewards and deposit them into your Fidelity-managed 529 College Savings plan account. The more you purchase, the more you earn.

Turn 2% of everyday purchases into college savings

Apply online or by phone. When applying by phone, reference priority code: VACAUA

Product details


Earn 2% cash back on purchases each time you use your card when you direct your deposit into your eligible1 Fidelity account: every $2,500 spent equals a $50 deposit.2

Link to Fidelity

Direct all your rewards toward one account, or divide them among up to five accounts.

Family members can also link their Fidelity College Rewards card to your eligible Fidelity-managed 529 account to help your rewards add up even faster.

To set up automatic point redemptions, be sure to provide your Fidelity account number when applying.3 You can link additional accounts at FIA Card Services.

See how 2% rewards can really add up.

Additional card 
  • No limits on rewards
  • No annual fee4
  • 24-hour customer service
  • Zero liability fraud protection and identity theft recovery service5
  • Retail purchase protection for merchandise5
  • Travel and emergency assistance, including car rental loss and damage insurance5
See our Pricing and Program Benefits before applying

Next steps

Or apply by phone

Reference priority code: VACAUA

1. Eligible registrations include all nonretirement registrations. Traditional IRA, Roth IRA, Rollover IRA, SEP-IRA, and all Fidelity-managed 529 plans are also eligible. 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.
2. You will earn 2 points per dollar in net retail purchases charged to the card. Credits, returns, adjustments, and certain transactions do not earn points. The 2% 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. Other restrictions apply. Full details appear in the Program Guidelines 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.
3. To receive a deposit, you must link your eligible Fidelity account to your credit card. This can be accomplished in any of following ways. 1. You may contact FIA Card 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 click 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 5000 points.
4. For information about rates, fees, other costs and benefits associated with the use of this card or to apply, click on the Apply Online button above and refer to the disclosures accompanying the online credit card application. This credit card program is issued and administered by FIA Card Services, which is not an affiliate of Fidelity Investments.
5. Certain restrictions apply to each benefit. Details accompany new account materials.
American Express is a federally registered service mark of American Express and is used by the issuer pursuant to a license.
Note that the cards accrue points which can be redeemed for a variety of rewards, one of which is Fidelity Rewards. Third-party trademarks appearing herein are the property of their respective owners.

Easy, automatic savings

Earn 2 points per $1 spent on every purchase, every time.

Monthly purchases Points toward Fidelity rewards
Groceries $400 800
Dining out $180 360
Drugstore purchases $75 150
Clothes and home furnishings $375 750
Entertainment $100 200
Your monthly total $1,250 2,500

After just two months, you could add $50 to your Fidelity account.

This is for illustrative purposes only. Your actual rewards earned will depend on your individual purchases.