Rated 5 out of 5 by Diane M. 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 BestREMAX 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 CW 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 Warren B. 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 Archie S 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 Jeep 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 Todd3768 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 pal 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 4 out of 5 by Jimmie J Mostly Excellent
Unable to determine if my autopay to my FIA credit card has been established or not. I tried to set it up 2-3 months ago, but can't find that it's in effect.
July 29, 2015
Rated 5 out of 5 by Zub secure
Excellent services. Interaction with Fideity account was difficult at best
July 29, 2015
Rated 2 out of 5 by jdtyree Good value, but service is terrible
This card has good value, but the online service to manage the account is terrible.
I was expecting the same level of service as regular American Express cards, but this card has a very inadequate and minimal internet site for managing the card. Functionality is extremely limited (no search, no ability to activate a new card online, very limited sorting, no transaction inquiry function, etc.) and very disappointing. It feels like the website's level of functionality and usefulness were the norm back in the 1990's.
Also the card is not supported on ApplePay yet, which is disappointing for such a mainstream card.
July 24, 2015
Rated 1 out of 5 by Rick Great deal horrible service
I have used this card for years and it is great to build up a 529 balance. Unfortunately our card is now shut off every few times we get gas or groceries even when only a few miles from home at stores we frequent. There was a point when I would get a call when this happened but things have gotten so bad I now cannot even get through to customer service when the card is declined. No notice from them at all and no ability to speak to a person due to constant high call volume. Hard to stick with something when it just will not work.
July 23, 2015
Rated 4 out of 5 by steve Account Should Link Better with out a PW
Account should link better without having to enter an additional password.
July 20, 2015
Rated 1 out of 5 by DontDependonFidelityCard Poor Service
I have had similar poor service issues as noted by others. My card was frauded, and I was told twice that cards would be expedited overnight. The first set was sent via ground mail. Then the second attempt was to go to a hotel where I was vacationing in Mexico. I was promised the cards would arrive prior to check-in. I stayed a week, and the cards never arrived. Fortunately I had brought another brand of card. Finally after requesting a supervisor, they expedited my third set of replacement cards. In addition, we routinely get non-approval on cards as others have noted which is another reason to carry a real American Express card. I like the 2% back, but I am so frustrated that I am going to find another cash back card.
July 20, 2015
Rated 1 out of 5 by DisgustedFIA Dragging You Down
Dear Fidelity... Do yourselves a favor and find someone else to issue your AMEX bank card. FIA services is dragging your name and reputation into the dirt. What good is cash back when you can't even use the card due to shutdowns for "suspicious" activity? Really? Shopping at the local Walmart (that my wife and I frequent several times/week) because it was 5am? Buying $1.49 of postage at my local USPS? Really, please, please find someone else. It is embarrassing to hold > $1M in investments @ Fidelity and be declined for attempting to buy $39.12 worth of food at a Walmart...
July 19, 2015
Rated 1 out of 5 by Patience & Loyal John Poor security algorithm drives cancelled cards with no alerts!
Received my seventh FIA Amex card in the last two years due to their overly sensitive security concerns. I can understood two canceled cards were for someone duplicating my card for a very unusual and out of state transaction that FIA computers wisely declined.
But the other four canceled cards were their fear that someone might have my account information. In every case I was surprised at the checkout line without any alerting phone call / text message. The customer service call times are long as I normally spend 30 minutes with tier one FIA customer service and when I escalate to tier two its another 20 minutes. They won’t make any exceptions to what the computer algorithm determines. I thought my remedy to poor satisfaction was to cancel and switch to Fidelity’s Visa, but their customers satisfaction reports are worst and shows FIA is the problem with no consequences from Amex nor Fidelity for creating this poor impression.
July 19, 2015
Rated 5 out of 5 by JT Excellent Card
I have this card for many years. The points for cash-back add up very fast when it is double the points for every dollar. Very please and happy with the service as well. No complaint here!
July 14, 2015
Rated 2 out of 5 by Jerry Rejected multiple times
We signed up for this card a couple months ago and things were fine, for a while. We travelled outside our state this past weekend and the rejections piled up. When I called the toll free number on the back, it took quite a while before a live person came on. They told us that since we were outside our normal travel area that our credit card was blocked for suspicious activity. I think they want us to tell them every time we go on a trip. Seriously. What kind of credit card requires that level of notification. Seems like FIA wants to cover their rear instead of providing decent service to their cardholders.
July 13, 2015
Rated 4 out of 5 by Ciphernaut Good Card, Not Perfect
I love getting 2% back. I don't like having a high threshold before I can cash in on it. AmEx accepted less places than other cards - I often have to use another card. Overall, very good.
July 8, 2015
Rated 4 out of 5 by amex review
Great card, many merchants do not accept it. Takes two day to pay.
July 8, 2015
Rated 2 out of 5 by matenai Is this really American Express your dealing with?
Both I and my mother got this card for the 2% return verified on the Fidelity site today. The Fidelity AMEX site shows only 1%. It even has a chart that shows the cash reward for Fidelity (1%) vs other bank accounts at .5%.
Every month since getting this card there have been issues for both of us with different states and mailing addresses. I had fraudulent charges on my card (first ever in my life) and she has had many mailing errors.
Attempts to resolve these problems were handled with courtesy but communication was real poor with followup. My mothers called and paid with her bank account one month, they got the account number wrong but it still processed and 6 days later it was rejected with no notice to her other than a mailed late payment notice.
After dealing with 5 different credit cards I must say the group handling this is the worst I have dealt with for quality and security. Even the fact that you cannot pay your bill automatically as with other cards leaves one wondering.
She is cancelling her card and I will probably be close behind...
July 8, 2015
Rated 2 out of 5 by BAR Unhappy camper
i signed up for the card for the great cash back value prop. When I signed up there was a promo for 0%apr on purchases for one year. There was some system update in Feb and somehow my promo specifics were erased. I have submitted a request to review over the phone but have yet to hear back. As a result, I have not even activated my reissued card and do not plan to as a result. Very unhappy. I have written notes but can't locate any formal promo documentation. I had read reviews of shady and poor customer service and I'm feeling that now.
Also the web UI and functionality is severely lacking in comparison to the market waterline.
July 8, 2015
Rated 1 out of 5 by Bill A Protecting FIA, not customers
Have had about 5% of store use attempts declined. Calling FIA leads to same script each time- "are you traveling, is this your regular store,..." Charges have been as low as $7. Security screening is deeply flawed- far more interested in avoiding their having to process a chargeback than in providing customer convenience.
I was with AMEX for 40 years with worldwide use and NEVER experienced this kind of problem. FIA is **NOT** AMEX or in AMEX's class.
Considering dumping this card- the rebate is not worth the inconvenience, delays, and embarrassment.
This card is a stain on Fidelity's reputation, in my opinion.
July 4, 2015
Rated 4 out of 5 by dpf iPhone mobile app and ApplePay
Fidelity and American Express. Hard to believe that with those two names behind the card there STILL is no mobile app for IPhone and it doesn't work on ApplePay. Having to rely on the FIA web site for complete account information is a pain. Come on Fidelity! Otherwise great card for cash rewards.
June 30, 2015
Rated 4 out of 5 by BGW Pretty Good Card
Two Issues with this card: 1) You need to spend $5,000 before any earnings can be transferred to your Fid account and 2) You need to log into a separate FIA web site to see/monitor details about this card - you only get a summary at the Fid web site - this is a bit of a pain.
June 29, 2015
Rated 4 out of 5 by Francesco Primary Card
I use this card at all places that accept
this card. Two percent cash back on all purchases is a no brainer. Like some reviewers have stated there are places that won't take an Amex card so you have to have a backup card. This card
ranks at the top in the cash back category.
June 28, 2015
Rated 3 out of 5 by Capt. Jack Mixed Results
The card works fine, but the backroom is a mess. Have had problems virtually every month with FIA Card Services. Do not put this on AutoPay! They withdrew the wrong balance and overdrew my checking account. It took three calls to get the problem resolved and the AutopPay cancelled.
Otherwise it is a good credit card which saves us a bunch of money. Many places don't take AmEx however.
June 24, 2015
Rated 1 out of 5 by Joe A. Very Poor Service
Holds are continuously placed on my account for suspicious activity when, in fact, the activity is normal. This situation is both irritating and embarrassing; especially when a charge is rejected at the grocery check-out line. I have a relatively high limit on the card and pay the balance each month. Even so, I am the one who must verify charges as mundane as groceries in order to have use of the card. Each time that I have been compelled to call FIA to reinstate the card, I have told them about the constant annoyance. I am doing their job. As the customer, I am subject to public embarrassment because of FIA’s incompetence. This is absolutely the worst credit card that I have ever had and I find it incredible that respected companies like Fidelity and American Express allow their names to be associated with such an inferior product. I am sure that I am only one of thousands of customers that this continues to happen to. It makes me wonder if my loyalty to both Fidelity and American Express over the years has been misplaced.
June 22, 2015
Rated 4 out of 5 by jefftb Wish for more robust mobile access
Wish the card offered an mobile app for iOS. My previous card had a great app to review transactions, get instant notifications of transactions (great fraud protection), and make payments.
June 20, 2015
Rated 1 out of 5 by Edwards FIA CARD SERVICES AMEX
The AMEX card is great. We've used it for many years. Unfortunately the card is administered by FIA CARD SERVICES. It is near impossible to pay your credit card statement balance with a stored routing number/ bank account number. You must mail your checks to FIA or call in a phone transaction. For years I paid the statement balance with an online payment from a bank account. I changed banks and I'm no longer able to pay online without first confirming the new bank account, however the FIA website locks the account when an attempt is made to confirm the account. I spent a large part of two days trying to resolve this with FIA customer support folks and I concluded that I was unwilling to spend any more hours or days trying different workarounds to attempt to solve the website problems. Nice people at FIA, but a horrible web design and unfortunately not possible to continue doing business with FIA.
June 18, 2015