Rated 5 out of 5 by LL 2% back!
Great straight 2% cash back on everything, and depositing in my Fidelity account couldn't be easier. When I first applied I was worried about American Express not being accepted as much as Visa and MasterCard, but have only run into a few smaller merchants where this was true.
June 26, 2013
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 Apple Jack Best value all around
I love my Fidelity Rewards American Express and use it whenever I can. Other cards may offer cash back on different categories in different months, but I don't have to worry about what category I am spending on as I always get 2% back on all my purchases directly deposited into my Fidelity investment account.
March 18, 2013
Rated 5 out of 5 by summad Fantastic Rewards Card
Excellent card, especially getting 2% cashback on my purchases being deposited in my eligible Fidelity account. Not to mention Amex card benefits that comes with it. With everyday spend on this card that I would normally do with debit card, it's amazing how quickly those points accumulate which can then be redeemed as cash into Fidelity account. Definitely recommend....
March 18, 2013
Rated 5 out of 5 by M333 Great rewards program
I love the card! It feels important to have a card with the pairing of 2 great companies. The rewards program is easily in top few and eclipsed by alomst none. No limits on rewards and all purchases included (not rotating categories) is awesome.
March 18, 2013
Rated 5 out of 5 by Slowpoke Best overall value
It's hard to beat the Fidelity Rewards Amex. Automatic 2% cash back on everything, with no annual fee. Other cards have short-term promotions, but the Fidelity Amex offers good value every day.
Automatic cash deposited into our Fidelity account is perfect - no "points" to spend, miles to expire or reward balances left unused.
We use our Fidelity Rewards Amex for almost all of our purchases, and reap the benefits year-round.
December 29, 2011
Rated 5 out of 5 by Senior guy Rewarding
I am so pleased with Fidelity Rewards that I use the
card for almost every purchase. I now pay auto and
homeowner's insurance by using the card. Anything I
use to write a check for, I now use the card. It's so
December 29, 2011
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 1 out of 5 by madcustomer BAD CUSTOMER SERVICE
After repeated requests, AMEX is unable to mail my statements.
March 3, 2014
Rated 2 out of 5 by FIAcardman Poor Customer Service
From my research, this is the best card for general rewards points and I love the fact that I can automatically transfer that into an IRA or other savings account. What they don't tell you is that the card and the account are completely separate companies. I have been back and forth between the two companies trying to automate this automatic process with NO LUCK. Each CS rep just points to the other guy. Couple that with the fact that AMEX isn't taken everywhere and this card becomes a bit of a hassle to maintain compared to some others out there now. In short card itself offers decent rewards, just be prepared to handle any and all issues yourself.
February 28, 2014
Rated 5 out of 5 by PoundWise Just awesome!!!
I was always skeptical of "points" cards and preferred my no thrills Visa w/o any fees. But it is hard to beat hard cold 2% cash back!!! #AND NO ANNUAL FEE!!!#. Don't have to have an accounting degree to understand complicated point systems #especially the ones that change per what you are spending on...#. ... I'm loving it ... I also love the system automatically putting the reward back into you investment account #you need to set it up once#. Awesome! I didn't have problem w/ my Amex accepted. Only ran into this once with a small merchant... Also FIA card services #card issuer# has a feature that allows covering minimal payment or full amount automatically. Their penalties are steep - watch out, for late payments, etc, but which Credit Card isn't? #well maybe credit union ones' aren't as bad but I am a disciplined payer so was never an issue for me#
February 19, 2014
Rated 1 out of 5 by td FIA Credit Cards
Have the FIA Visa and AmX cards. Worst experience I've ever had with a card company. THey continually block my card for suspected fraud and I have to call in to get it back working. Has happened about 6 times in 8 months. Sometimes, it's at a merchant within 5 miles of my home. Never had this problem with my previous cards.
February 18, 2014
Rated 1 out of 5 by eas1952 Unusable
This card became unusable after a few years of good experience. They made posting errors with my checks, couldn't answer simple questions at the call center, gave me erroneous information at the call center, declined sales with non explanations ( "we must be having trouble with this merchant" ).
A supervisor did call me after a series of problems, and was truly helpful and profusely apologetic. At that point, however, I had no confidence in the card and stopped using it.
I find it ironic that Fidelity - with customer service in other areas that is exceptional - would expose their customers to this third-party. Almost cost Fidelity all of my brokerage business.
February 12, 2014
Rated 1 out of 5 by ndlex Lacking convenience
I got this card last year and planned to use it as my main credit card. Then I discovered that the transactions don't download into Quicken until a statement is generated. This eliminated this card from being my daily card as it makes it impossible to manage a budget through the month. The thought that a card wouldn't go into Quicken in a timely way didn't even cross my mind. I haven't had this issue in over 15 years with other financial accounts.
February 6, 2014
Rated 4 out of 5 by JimK Transaction and Fraud Monitoring
While I love all other aspects of this card, it does not provide transaction level alerts to e-mail or cell phone. It has no alert capability at all.
January 28, 2014
Rated 2 out of 5 by Bernard Poor Customer Service
I have used The Fidelity AMEX card for sometime.
But I find that oftentimes it has a "hold" and can't be used.
The Customer Service is bad.
It seems that Fidelity should not associate itself with such a poor service
January 22, 2014
Rated 5 out of 5 by Fab Mr K Great Card
It was really easy to open my account, the line of credit is very generous, it's nice getting 2% back and best of all, American Express is accepted at all Costco locations.
January 21, 2014
Rated 2 out of 5 by hassled Is the 2% cash worth the hassle ?
I have held the Fidelity Amex for almost 4 years.
Today I learned that, for the THIRD time, my card was being replaced because the account "MAY HAVE BEEN COMPROMISED".
While I understand the credit card issuers need to detect and deter fraud none of my other credit card issuers (VISA, Master Card, etc.) have seen the need to replace their cards during that 4 year period.
Both my wife and I also have had to go thru the embarrassment of having our Fidelity Amex card denied at a retailer because "the transaction appeared suspicious". Again this has never happened with my other credit cards.
Bottom line, i will not be using this card as my main card in the future! Save the hassle, get a different card !!
January 6, 2014
Rated 2 out of 5 by Rick Card is great - website, monitoring options, methods to contact FIA Card Services - they are awful
I love having a 2% cashback card. However, the lack of services on the FIA Card Services site is appalling. You cannot:
- setup alerts
- contact them via email or chat
- use a virtual card number
- challenge a charge online
December 31, 2013
Rated 5 out of 5 by Pillsbury44 Best card i own
Hesitant at first, but now it's the only card I use
December 25, 2013
Rated 3 out of 5 by David HOW IS THERE NO AUTOPAY FOR FULL BALANCE???
This card has a great rewards program, but it blows my mind that there is no option to set up an autopay for the full balance each month!!! I simply can't wrap my head around what is motivating this glaring omission. For people with many credit card accounts, this feature is CRITICAL. Please, for the love of God, add a full monthly balance auto-pay option. It's outrageous that it's not there already.
December 22, 2013
Rated 5 out of 5 by DMP One of the Best
I am considered a credit card guru. For years I have researched credit cards from every bank and credit union out their. This card is by far the best. Most cards give limited rewards or they reward higher in certain categories and then jump through hoops or go around their rules to redeem the points. I've had this card now for 3 years and out of all my cards this is the best card hands down. No fuss, no hassle, just straight 2% back on every purchase. Having to have a Fidelity account is no big deal. I have a brokerage account ( also have IRA) but my cash back is automatically deposited into my brokerage account and I have that account linked to an external savings account. Each month I just transfer the amount of my cash back into my savings. It's just that simple. Hands down, this is the best overall card you can get. Believe me, I know just about every credit card out their. Plus this card only has a 1% foreign transaction fee, which basically means you are still earning 1% cash back on every purchase outside the US with no annual fee!!!
December 17, 2013
Rated 4 out of 5 by Ross Quicken Users: Currently not a good choice if daily activity important
The AMEX provider , FIA Card Services, N.A., presently does not provide either thru the website or using Quicken WEB-downloads a daily update of transactions. One must wait until the monthly statement is generated to receive these downloads.
Not a great process if you are use to using Quicken to police and post your daily and/or weekly activities and/or detect fraudulent use of your card.
December 10, 2013
Rated 4 out of 5 by Syxx Great card, horrible service
The card itself is simple - 2% goes straight to the designated account ($50 minimum for redemption). However, customer service is HORRIBLE. I applied for the retirement rewards card, and three times now I've gotten the 529 college rewards card. Every time I called customer service, it would just be a cyclic headache with no resolution. I still have the 529 card (it's been months). I understand that the points are equivalent, but I wonder why customer service can't fix this. Using the card for the benefits, most definitely not the service.
November 21, 2013
Rated 3 out of 5 by Gary Rewards are great but ...
There are some quirks about this card that are pretty annoying. I still have a Fidelity AMEX card but my wife and two sons do not.
For example, I wanted to give a secondary card to my son away at college, but the secondary cards will have the exact same number as my card. That makes it impossible to easily identify which card was used to initiate the charge and makes the AMEX fraud detection process problematic since my son and I are in different states.
Another annoyance for me is that you can only download your AMEX transactions to Quicken once per month. Every credit card I have ever had can do that, other than this one.
On the plus side, however, are the 2% rewards, the standard AMEX card benefits and the $ 0 annual fee.
November 16, 2013
Rated 1 out of 5 by Unhappy Richard Just got my new AMEX 2% back card
This card is not worthy of Fidelity or AMEX. I should have know when I first called for information and got someone in a call center that didn't know anything about the product. I did talk to an underwriter that was terrific, but that's where the good comments end. My biggest beef so far is that I can't get periodic Quicken downloads. I can only download monthly, hopefully it will work when I try that. I have read numerous complaints about denials of charges, high foreign transaction fees, and lousy billing practices. Looks like I'm not going to be able to use this card over seas. I will hang in there through a few cycles, but if FIA screws up, its likely I will cancel the card. I am very angry with Fidelity. There is no way they should sponsor such a poor product. Fix it or get rid of it! At the very least this Quicken problem needs to be fixed ASAP.
November 2, 2013
Rated 2 out of 5 by JimC Fraud Dept too Aggressive
FIA card services calls way too frenquently to verify charges. Then they verify say 3 days of charges instead of just the one in question. Travel is problematic because it almost always generates a fraud dept call. Even calling in advance doesnt always work.
October 18, 2013
Rated 5 out of 5 by Rachel007 Best Rewards Card
I have the retirement rewards card. No other card I know of gives 2% cash back consistently. As most people know, AMEX is not accepted everywhere so that can be a problem if this is your only credit card. This is my main card, but I do have a visa and mastercard for the times it is not accepted. For me, I use it everywhere I can, especially for big purchases like christmas gifts, airline tickets, and electronics.
I have only had my card halted once, because I spent an uncommon, really uncommon, amount. They called me to confirm the exact purchases. I would definitely recommend this as a supplement credit card. Great benefits, and good customer service.
October 18, 2013
Rated 4 out of 5 by traveler foreign currency charge
This is a good card only for domestic USA.
There are more charges, foreign exchange rate and cash withdraw in foreign currency if you travel to outside of USA ,
Should Fidelity consider to offer above waive fees outside USA.
I expect these benefit in near future.
( it is a benefit for all Fidelity investors.)
October 16, 2013