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Fidelity® Investment Rewards® American Express® Card

Our American Express® Card gives you cash-back with the flexibility of depositing your rewards into one or more eligible Fidelity brokerage, IRA, 529, or Cash Management accounts.

Earn 2% rewards toward the eligible account of your choice1

Tell us how much you charge each month, and we'll show you the hypothetical value of your account in 20 years.

Calculate your potential rewards.

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

Product details

Industry recognition accolades_animation
Rewards

Earn 2% cash back on purchases each time you use your card when you direct your deposit into your eligible Fidelity account: every $2,500 spent equals a $50 deposit.5

Link to Fidelity
accounts

Deposit 2% of your purchases into the eligible Fidelity account1 of your choice, including your:

  • Fidelity® Cash Management Account
  • Brokerage account
  • Fidelity-managed 529 account
  • Retirement account

Direct all your rewards toward one account, or divide them among up to five accounts. Family members can also link their Fidelity Rewards cards to your eligible Fidelity account.

To set up automatic point redemptions, be sure to provide your Fidelity account number when applying.6 You can link additional accounts at FIA Card Services.

See how 2% rewards can really add up.

Additional card 
benefits7
  • No limits on rewards
  • No annual fee
  • 24-hour customer service
  • Zero liability fraud protection and identity theft recovery service
  • Retail purchase protection for merchandise
  • Travel and emergency assistance, including car rental loss and damage insurance
  • See our Pricing and Program Benefits before applying

Next steps

Fidelity® Investment Rewards® American Express® Card

Additional resources

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5508tridion
Rated 3.9 out of 5 by 1086 reviewers.
Rated 5 out of 5 by Reliable and beneficial I love this card! I use it for everything I purchase......I rarely pay cash for anything. As a result I am building a nice cushion in the Fidelity Rewards American Express account. I cancelled my other American Express card because it had an annual fee and I found this card to be much more of an asset. January 5, 2015
Rated 5 out of 5 by Best Card To Use I have been using this as my primary card for over 2 years now. I even have my utilites linked to it and have had great customer sevice. They sent me a new card automatically when it was used prior to the Home Depot hack. The auto deposit of the monthly rewards into Fidelity is nice since others make you do it manually in order to receive them. This gives you a tax free 2% discount on anything you buy - even Starbucks! December 11, 2014
Rated 5 out of 5 by Love it Great card, use it for 95% of my expenses. Also I like the integration to my Fidelity accounts for statements, transactions and paying bills. December 3, 2014
Rated 5 out of 5 by Fantastic Card I use this card for everything. Where else are you going to get a full 2% back on EVERYTHING without jumping through hoops like other card companies make you do? I like CASH BACK. Rewards can be sent automatically to my brokerage account. The only downside is that about 10% of merchants won't accept AmEx cards so you will need a back up card like MC or Visa, but you should always carry a back up card or two anyway. November 6, 2014
Rated 5 out of 5 by Great Card I can't find a card to beat this one. It is also linked to your account to make rewards available easily. 2% cash back with no annual fee. We get hundreds back per year on our "green card". Go Fidelity August 28, 2014
Rated 5 out of 5 by The very best card for me. This is THE credit card for those of us who want the best rebates with no hassle. This has been my "go to" card for almost two years now and I recommend it without equivocation. No quarterly categories, no requesting rebates, no limits, no fees, no problems. The fact that it is AMEX rather than VISA or M/C has not been a problem. Only once in two years have I tried to use it in a store that did not take AMEX. A 99 cent store, of all places. If you're considering a new card, go for this one. March 24, 2013
Rated 5 out of 5 by Simple Cash Back This card is a simple way to earn cash back without having to keep track of gimmicks. Every purchase gets 2% back deposited directly into your Fidelity account. It's that simple. There's no need to keep track of what points are worth or whether it's better to buy gas or groceries this month. March 18, 2013
Rated 5 out of 5 by Best credit card program out there. Airline reward cards can be a hassle with their restrictions and odd exchange rates for points. A straight forward 2% cash savings on ALL charges is a good deal. Surprisingly, even some low mark-up box stores take it exclusively. December 29, 2011
Rated 1 out of 5 by quit using i quit using this card because card services was a hassle to deal with, frequently canceling my card and sending me a new one with a new number on slight provocation. April 29, 2015
Rated 3 out of 5 by Apple Pay??? I tried to put this card on my ApplePAY and my phone told me to call card issuer. I called FIA and after being transferred to 5 people I was told Fidelity has not agreed to allow the card to be used on Apple Pay. My other AMEX cards are allowed on ApplePAY. I would use this card more often if it was ApplePAY compatible. April 29, 2015
Rated 1 out of 5 by FIA Card services is a bad operator for a great product FIA website is decades behind "real" american express website. Currently, issue with amounts being debited instead of credited but poor communication by FIA team. Calls with Customer service generally do not get questions answered. Great product in terms of cash back (over 3,000 in the last two years) but definitely bush league service. Definitely not comparable to Fidelity's customer service. Buyer beware. Still would recommend due to value outweighing antiquated systems. April 29, 2015
Rated 1 out of 5 by Had loved this card until fraud 18 fraudulent charges on this card were not caught by FIA card services, totaling over $600. I caught them after 3 days. I was making charges on the card near my home the same day the fraudulent charges started in a different state. Multiple charges in the same NY metro area over the next 3 days while I was making charges near my home. I had been assured there was additional fraud protection on this card after I had used it at Home Depot during the credit card breach. FIA Card Services assured me there was no need for a new card at that time. The first time I talked to them about the fraudulent charges they only removed 8 of the 18 charges. There were a number of identical charges, and they removed some of them and not others. It took a second call to get them all removed. When I activated my new card today I decided I needed to make sure I get activity alerts set up via my phone or text. I called and the rep. just told me it isn't possible to get any alerts!!! I would think they would want this, since their lack of fraud protection just cost them over $600. I had loved the 2% back to my fidelity investment account, but am seriously wondering whether it is worth it. I would think Fidelity would be making sure this card has better customer service, since it is being marketed as a Fidelity card, and the only reason I got it was for the 2% cash back to my Fidelity account. April 29, 2015
Rated 3 out of 5 by secure AmEx can not be used every store. The costomer service people is not very helpful. April 27, 2015
Rated 4 out of 5 by Excellent rewards - web portal needs help Great rewards program. Two problems that make it less convenient to use this card than some of my other cards: 1. Online portal is pretty terrible to use and doesn't give the option to automatically pay the card each month (you can only schedule a set amount to be paid on a set schedule - not very useful). 2. Apply Pay. We've heard for months that "it is coming" with no other details. April 25, 2015
Rated 4 out of 5 by Great Cash Back Not a true AMEX card but serviced by FIA. Terrible customer service, no apps and still do not understand how I earn my 2% cash back, Also not usable by Apple pay. April 22, 2015
Rated 5 out of 5 by Secure and reliable Great Card and Double Points on all purchases is great. April 20, 2015
Rated 1 out of 5 by Beware! A fraudulent charge and American Express couldn't care less A fraudulent charge led to cancellation without any offer to send a prompt replacement. In addition, it still does not work with Apple Pay! Very disappointed in both Fidelity and American Express. Not what I expected. April 18, 2015
Rated 5 out of 5 by simple calculation of rewards There are all kind of schemes to get a person to use a particular credit card. Unless you like frivolous benefits you are not getting much. Fidelity Rewards is real money put to use for your future. April 17, 2015
Rated 3 out of 5 by Needs Improvement The problem us not with the card, but with the issuer FIA Card Services. 1) it is not affiliated with Apple Pay, which I prefer to use when available both for convenience and security of information reasons, and 2) it does not have a notification system for charges to the card over a set amount. For security purposes, my other cards are set up to text me when a charge is made in excess of an amount that I set. I have had cards "hacked" previously and consider this to be a pretty basic service. I would encourage Fidelity to either change the issuer of its branded card or require a major upgrade in the level of service offered by FIA, which frankly is very limited. April 14, 2015
Rated 2 out of 5 by Often Declined FIA Card Services Fraud Department often causes this card to be rejected. I was recently given the direct number to the fraud department for the next time it happens. It was recently declined at the pump but FIA said there was not a problem. Two percent back is nice but the card is a real pain. I'm looking for alternatives. April 13, 2015
Rated 4 out of 5 by Great card to use for everyday expenses Pro: 2% cashback on everything autopay works as advertise No issue using the credit card Cons: website needs to be improved especially statements and login system other than i highly recommend this card April 13, 2015
Rated 1 out of 5 by poor customer service This card is a joke can't believe it's a fidelity and an American express card. This is a FIA run card that is so antiquated and wrist customer service. IT IS NOT AN AMERICAN EXPRESS OR FIDELITY RUN CARD! April 7, 2015
Rated 2 out of 5 by Many charges refused This card is a great deal and I have been using it for about 2 years for most of my purchases. Then, starting in 2015, they started randomly refusing certain payments claiming they were concerned about security. So I never know what they are going to pay and what they will refuse. Sometimes they refuse new merchants but sometimes recurring bills like Verizon Wireless. I think FIA Card Services pays back so much to Fidelity that they want me to cancel the card. April 7, 2015
Rated 4 out of 5 by Why can't I set my payment? I pay my charges online through the FIA webpage. I go online and look at my full balance (not just the statement balance), and try to pay that. Nearly every time I do that FIA ends up taking a different amount than what I specify that I wish to pay. This causes me to go back to my bank account every month and readjust my balances because FIA didn't take out what I asked them to take. I want a card that does things MY way, not theirs. April 7, 2015
Rated 4 out of 5 by AMEX Fidelity The AMEX Fidelity card provides an excellent reward program and links well with my Fidelity account. Two suggestions to improve: 1. Make card compatible with ApplePay 2. As with other AMEX products there are some merchants who do not accept - need to broaden the merchant base April 6, 2015
Rated 5 out of 5 by Amex 2% cash-back Right now, one of the best cash back credit cards I am aware of. 2% back regardless of use is a great deal. April 6, 2015
Rated 5 out of 5 by I do recommend this card. I've used this card for several years and without a hitch. I travel quite a bit overseas and never had an issue (just call FIA Services first to ensure the card is 'turned on' for where you are going). The one time I forgot to call before I traveled to the UK - FIA called me within 2 mins on my cell from the time my transaction was declined. I was still standing with the merchant (the hotel I was checking into) and we resolved the whole thing in a few mins. Overall a great card. April 6, 2015
Rated 3 out of 5 by Just Cancelled Had this card for 6 years, just had to pay a late fee and interest because they said they received my check ONE day late. I sent it with plenty of time, pay my bill in full every month. The customer service rep could have cared less. His attitude put me over the edge. April 2, 2015
Rated 4 out of 5 by Great Way to Save Opened the account to have deposits go into a 529 plan. I think deposits should be made to the account on the same date every month regardless of how much was charged on the card. After the initial amount was attained to start making the deposits, I thought deposits would be made monthly. March 31, 2015
Rated 4 out of 5 by Love It I am so happy with my card that I have already gotten my brother and sister to get their own. I like being able to earn money for investing while spending money. The website is very easily to use and the customer service representatives are very helpful and friendly. I have nothing bad to say about this card whatsoever. I love it!!! March 30, 2015
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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.

Or by phone

Reference priority code: VACAUL

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. The Best Cash-Back Credit Cards in America, Credit.com, April 2014. Learn more about the award. Credit.com is a free, independent comparison service working to educate and empower consumers. Results were based on a selected universe of credit card companies and credit card offers by the author and considered the rewards as a percentage of spending, the other perks that a credit card may offer (which can include, but are not limited to, travel insurance and purchase protection policies) and fees.
3. Editor's Choice Award for Best Cash Back Credit Cards, Cardratings.com, December, 2013.
4. MONEY® Magazine, October 2013, ©2013 Time Inc. MONEY is a registered trademark of Time Inc. and is used under License. MONEY and Time Inc. are not affiliated with, and do not endorse products or services of, Fidelity Investments.
5. 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.
6. 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 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.
7. Certain restrictions apply to each benefit. Details accompany new account materials.
8. This credit card program is issued and administered by FIA® Card Services, which is not an affiliate of Fidelity Investments. Investment Rewards and FIA Card Services are registered trademarks of FIA Card Services and/or its affiliates.
American Express is a federally registered service mark of American Express and is used by the issuer pursuant to a license.
Note that the Fidelity Rewards Card accrues 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.
The initial customer ratings and reviews for this product (those dated before 3/16/2012) were provided to Fidelity through an email solicitation for feedback on the product. All ratings and reviews are provided to Fidelity on a voluntarily basis and are screened in accordance with the guidelines set forth in our Customer Ratings and Reviews Terms of Use. For additional information on which ratings and reviews may be posted, please refer to our Customer Ratings and Review Terms of Use. Featured Reviews have been selected based on subjective criteria and reviewed by Fidelity Investments. The average rating is determined by calculating the mathematical average of all ratings that are approved for posting per the Customer Ratings and Reviews Terms of use and does not include any ratings that did not meet the guidelines and were therefore not posted. Ratings and reviews are added continuously to the website (after a delay for screening against guidelines) and average ratings are updated dynamically as reviews are added or removed.
The ratings and experience of customers may not be representative of the experiences of all customers or investors and is not indicative of future success. The accuracy of information included in the customer ratings and reviews cannot be guaranteed by Fidelity Investments. Customers who post ratings may be responsible for disclosing whether they have a financial interest or conflict in submitting a rating and review.
Please contact a Fidelity representative if you have additional questions or concerns about the ratings and reviews posted here.
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