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 Garneal Great value but horrible card services
The value of this card is unsurpassed which is why I continue to use it. But it is frustrating when AmEx is not taken at so many places. I have been extremely frustrated by the card services, enough so that I'm considering changing cards from Fidelity altogether. I wait on hold for a really long time most times that I call, when there is fraud replacement cards are weeks in coming (when competitor cards come in a couple of business days), ordering cards for husband on my account also has taken weeks and we still haven't received it! It's like Fidelity isn't used to operating credit cards and is only making a small effort, whereas other credit card companies excel at be great at card services and that is a selling point. I would reconsider the business model. Even though there is great value in using this card, I'm extremely frustrated with card services every time I have a need to work with them.
March 30, 2015
Rated 5 out of 5 by Mr. CFP Make money with this card!
First, pay off your balance every month. If you are not willing or not able to do this, don't read the rest of this review. If you pay it off every month, then make money paying your ordinary bills. Pay your cell phone, car insurance, homeowners insurance, utility bills, cable TV, life insurance, groceries, gas, (everything) with this card. Deposit the 2% into a 529 account for your kids, and depending on your State, you get a State tax deduction for that deposit! These people are VERY careful about unauthorized charges! They call to verify every time you are out of town, or have a significant amount to a new payee. It is a bit of a pain, but that is the price we pay in todays world.
March 30, 2015
Rated 1 out of 5 by Kevin K. Customer Service is the worst ever
I have had this card now for just a few weeks and am frustrated beyond belief. My card was locked due to "suspicious activity" - typical for new cards, however, it is impossible to get through on the 24/7/365 customer service line to try to get it unlocked. I have waited on hold for 45 minutes twice in the past 3 days before having to give up. They don't seem to care enough about their customers to answer the phone and thereby keep their customers from using the card. I will give them one more chance and if I wait like this again I will be shredding my card. Not worth the hassle. The 2% cash back is great if you can actually use the card and if you reach anyone there.
March 29, 2015
Rated 2 out of 5 by Scott I'm done.
I have had this card for 4 or so years and in the last year the number of times I have been declined due to possible fraud has gone up 10x. I get that there are checks in the system to prevent fraud but I get declined for regular purchase activity every other month. On top of that if it were easy to validate the charges I would be totally fine answering a text or using an App but instead I have to call for 15 minutes each time, answer 6 security questions and then finally use my card again. Its just too much hassle. I would love to know if this is an AMEX issue, Fidelity or FIA Card Services. I need a simpler solution to use it as a primary card.
March 27, 2015
Rated 1 out of 5 by Me The Hindenburg of Credit Cards
The cash back is a great deal. The customer service is is a bit lacking in that you always need to talk to 2 different departments and the other one is always closed causing you to call back the next day.
2 major issues over the past two months:
1.) FIA was undergoing server maintenance when my payment was being processed. The payment was rejected and I was assessed a $25 fee for this. I called and go everything straightened out and the fee was returned. The customer service call was two days in the making.
2.) This months payment was made on the 20th with a due date of the 21st. I logged into my account the account was listed as overdue and a fee was assessed. Just got off the phone with a very helpful lady who did all she could but I will have to call back in the morning to get things sorted out.
I'm Canceling it in the morning.
March 26, 2015
Rated 1 out of 5 by Careful consumer Terrible customer service
I got this card because the 'cash back' would help fund one of my Fidelity accounts. Ease of use has been average, no different than other cards. However, the customer service has been terrible:
- I contacted them when an item ordered online proved to be defective. They wanted me to take the item (which had already been returned to the merchant) to another merchant to get written documentation of the defect!
- they declined an in-person merchant charge. I called customer service to find out why, had to deal with the automated system that told me no live help was available and to call back later. I thought that problem was cleared up (based on statements from the automated system), but found out a week later that it was not.
- a subsequent charge was declined, that's when I found out that their 'automated system' had been calling me to discuss the first problem. However, that 'automated system' never leaves a message, and nothing is sent by email or postal mail. I spent more than an 30 minutes on the phone, getting transferred between departments, to get the whole story.
This is by far the worst customer experience in my 35+ years of credit card use, and it is certainly NOT what I'd expect from either American Express or Fidelity. I'll use another card with better customer support.
March 26, 2015
Rated 1 out of 5 by sucker poor customer service
Exceedingly long wait times for customer service. My card was hacked after less than 6 months. Numerous attempts to reach a live person have been a waste of time.
March 25, 2015
Rated 4 out of 5 by Allenp Secure
I am happy with the Fidelity Rewards Card. I just wish more places accepted it.
March 23, 2015
Rated 4 out of 5 by Nancy Nice Rewards Card
What I like the most about the Fidelity Rewards American Express card is the 2% cash back on all purchases. Also nice that the rewards are automatically deposited in my Fidelity account when $50 worth of rewards are accumulated. There are a couple of things that could be improved: (1) Need auto payment option for card balance each month instead of having to go online and submit the request each month. (2) Would be nice if American Express was as widely accepted as VISA and Master Card. Would prefer if it were one of those.
March 23, 2015
Rated 5 out of 5 by Greg G 2% can't be beat
I have done very thorough research on different cards and which one's provide the most value. For Everyday purchases, this one trumps the rest. My only issue is that the partner-site you have to use to redeem the cash isn't exactly user-friendly.
March 23, 2015
Rated 1 out of 5 by Elrond Fraud Lock on Account Sucks
Well I've had this card for a two months now and I just got my first account lock for "suspicious" activity. My account was locked for making suspicious charges which were in my normal charge patterns close to my home. There were merchants I I regularly visit.j Customer "no service" was of little help. While they did lift the account hold, they were clueless as to why the account got locked or how to prevent it in the future. I'll give them one more chance but if I get another pointless lock like this, I'll revert to other rewards cards I have.
March 22, 2015
Rated 3 out of 5 by Musky Hunter Quicken Automatic Update
I love this card but stopped using it because it lacks automatic updates in quicken. Yes you can manually download your statements to quicken, but i like the automatic update feature. I have called customer service a few time requesting this feature but to no avail. Hopefully this review will add "fuel to the fire".
I currently use a $75 fee american express but the benefits trump the fee.
I do use my 2% fidelity card for large purchases such as vacations that i can wait and put in quicken
March 19, 2015
Rated 1 out of 5 by Fidelity customer Just horrible.
Anyone who values their time and sanity would be wise to stay away from this card.
Customer service is a nightmare. This card tarnishes the brands of two great companies -- Fidelity and American Express.
Fidelity American Express fraud detection is a complete joke. We are declined all the time at places like the grocery store 2 miles from our home. We've even gotten declined for auto-pay bills. Since they don't contact us when they decline, we have to rely on the seller/payee to let us know.
Numerous agonizing calls with fraud detection supervisors have done nothing to fix the situation.
Hold times are extensive, so every issue can take an hour or more of your time.
Good luck taking advantage of features that should come with your American Express card. You simply can't get a year-end statement through the website (functionality has been temporarily unavailable for over a year). A lengthy phone request for one to be mailed resulted in us receiving a screen printout of a single month of activity.
Learn from our mistake and get another card.
March 18, 2015
Rated 5 out of 5 by Richard H What's not to love
You get 2% cash back on everything you buy. No complicated points scheme, just cash going directly into fidelity accounts. I haven't found a better deal anywhere.
March 17, 2015
Rated 1 out of 5 by dave problems
A lot of places will still not accept the amex card. Getting the 2% back is not easy or automatic as far as I have been able to determine.
March 17, 2015
Rated 5 out of 5 by BXzilla Slick
I find that using the card is easy and seem less .
March 16, 2015
Rated 4 out of 5 by Eddie77 Am-ex
So far I have not had a chance to use it very much. As time goes on I will use it more.
March 16, 2015
Rated 4 out of 5 by tj Good cash back
Good: Cash back, no annual fee. Web site needs more functionality. E.g. online travel notification. Now I have to call before traveling.
March 16, 2015
Rated 3 out of 5 by WhoCares Faux Amex
This card disguises itself as an AMEX card, but does not connect to the AMEX web site.
March 16, 2015
Rated 4 out of 5 by Chappie Jones Hard to find places to use
I find that not enough places use AMEX. I am also disappointed for the bonus point mall to be discontinued
March 16, 2015
Rated 1 out of 5 by Bigwildworld Not a card to use for your vacation!
This card will frequently get declined when used out of State and especially for international purchases such as an airline flight with an non-US airline. Each time a decline happens it takes about 30 minutes with them to validate your identity including asking you all about you last transactions before they will address the issue. Last month despite three separate sessions with customer support I was unable to book our summer family vacation flights to Ireland. Its great for normal local shopping and online shipping to your home address.
March 15, 2015
Rated 3 out of 5 by Guy M. Good cash back -- bad security features
The 2% cash back to my Fidelity account works very well. The main problem with the card is the security system. Even though I have called FIA card services to notify them before travelling my card has often been frozen for the duration of my trips. I was told by an FIA card services representative that the system is automatic and there is no way to enter travel information that would disable the automatic blocking system. So it seems to be a waste of time calling them in advance.
March 15, 2015