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 Adam V 2% back on everything
I opened this card to capture 2% back on all purchases when paired with a Cash Management account. It has done just that and is fairly easy to integrate with my other Fidelity accounts. One improvement I would like is the ability to redeem awards at lower levels than the $50 minimum, since these transactions are all electronic I hope this would be possible.
February 25, 2015
Rated 5 out of 5 by C.L. Fantastic rewards
Fidelity is a one stop shop for all financial needs and this card lives up to Fidelity's name. The rewards are top in the industry, the customer service representatives are pleasant and quick to answer questions. Unlike many other credit card companies, this bill comes well in advance of the due date. The AE card compliments Fidelity's Visa card nicely. These are the only 2 credit cards I will carry.
February 24, 2015
Rated 3 out of 5 by Jan G. Fraud department does not pick up their phone
Great card for rewards etc.
Have been using for 4 years.
Has saved me thousands
But now unable to reach their fraud department
Recent trip to Canada triggered a hold and have tried 5 times to call them during the last 3 days and their fraud department does not pick up. I waited over 30 minutes each time. Tried weekdays and weekends , morning and night.
At this point starting to understand they dont want my business
February 24, 2015
Rated 2 out of 5 by Neil S Amazing card, when it works
Worst customer experience I've ever had with any product or service. The only reason I tolerate it is because of the 2% cash back, but now there are alternatives so I have no reason to use this card for my daily expenditures. Fraud protection is so overzealous that my card is declined at least every two weeks. They always promise to fix it, but it's the same story every time, and nothing happens. 90 minute+ hold times to speak with customer service. When I do connect, every now and then they accidentally hang up on me, so I have to get back in the queue. I've gotten stuck at so many cash registers on hold while trying to get my card unlocked, it's become a running joke.
February 23, 2015
Rated 1 out of 5 by Doug Be careful!!
I read all the reviews about how this is the best value in credit cards. I took advantage of the 0% on transfers and paid it off within a few months, but because I had a rotating balance (I paid the full balance each month) I was charged interest on an amortized amount of my transfer even after I paid the transfer fee. Could be a great card, just don't transfer a balance.
February 20, 2015
Rated 3 out of 5 by KT No backup while traveling
Beware. If you are on vacation and incur a fraudulent charge, your account is put on hold and they cannot get a card to you for at least a week. Unlike some other cards, there is no capability to limit transactions to the area that you are traveling to.
February 20, 2015
Rated 5 out of 5 by Lester Great card - don't change anything!
Amazing card, very easy to use with Fidelity account.
February 17, 2015
Rated 1 out of 5 by John L Put a potential fraud hold on my account without cause
I was informed that a hold had put on my account because of three "unusual transactions." All three were made by the legit holders of the cards at stores frequented by them. I called and answered a recording that described each transaction and explained that all were correct. I was told the hold would be lifted in 10 minutes. It was still on the next afternoon, causing a large purchase to be declined. It then took my waiting an hour to get to customer service, where a person asked me about exactly the same transactions.
February 13, 2015
Rated 4 out of 5 by unit56 easy and reliable
The card is easy to use at point of purchase. It is also easy to pay the bill each month online. I like being able to see my balance each time I log in to Fidelity. Customer service is also helpful and friendly. They also pritoritize security.
February 11, 2015
Rated 1 out of 5 by JR Worst Customer Service Imaginable
By far the worst customer service I've ever experienced for a credit card. Was getting multiple holds a week for suspected fraud when I was making normal every day purchases. As far as I could tell, the automated system to clear the fraud alert would ask you to verify every single past purchase I'd ever made. There was no end in sight, and after verifying 20+ purchases I gave up and called a representative.
Getting adjustment to fix a double payment to my bill has taken over three weeks and still hasn't been refunded. Told it will post in 7-10 business days, but I don't see the payment returned, so I call and am told it's 3-5 more business days. 5 days pass and when I call back am told that it will be another 3 business days and if it doesn't show then it will need to be reissued - which I imagine will start this cycle all over again...
Other issues: Phone payments are not reflected online. Website is a piece of junk. Automated payments can't be scheduled (except in fixed amounts).
February 10, 2015
Rated 5 out of 5 by RNM I like my Fidelity Rewards AmEx Card
It works great. Customer support is fine. Web access is good.
February 10, 2015
Rated 2 out of 5 by The Doc Great Cash Back - Horrible Service
I have been using this card for about 2 years . If you can put up with their horrible customer service and denial of payments its a great card. Keep in mind this is not your normal AMEX card and if you travel you're going to have a lot of problems. We have homes in the South and Northeast and when we travel between them we have to call a couple of times before they allow charges. The same happens when you travel abroad and even after you list the countries the charges are sometimes denied. Recently we had some fraudulent charges which they took care of but we still haven't received our replacement card. It turns out if you need your card overnight you must ask them, if not, they send it regular mail. The bottom line is that if you can put up with all the nonsense its a great card....
February 7, 2015
Rated 5 out of 5 by R.H. No-nonsense free money? Yes please.
The only criticism I could think of for this card is that the Amex payment network is not universally accepted, which may result in a few instances of being unable to use the card. Other than that, flat 2% cash with helpful, courteous customer service. It's nice to get paid for spend that I would be making anyways. Highly recommend.
February 6, 2015
Rated 3 out of 5 by randy l Great cash back program / FIA not so much
I love the 2% piece, but FIA is behind the times as it relates to technology and integration with programs like Quicken. I also don't like the fact they have had multiple security issues and seems like annually they have to reissue a new card. Also they seem to decline even the slightest unusual (to them) transaction. Then they don't call me back on the number I have listed as primary.
February 4, 2015
Rated 5 out of 5 by hanuman Excellent service and rebate
best in the credit card space. I recommend to every one
February 3, 2015
Rated 5 out of 5 by Andrew B. Excellent
I love this card and use it for everything I can! I just wish I could pay my mortgage with it :-) I never pay a late fee or carry a balance which defeats the purpose. I get hundreds of dollars per year back (into my Fidelity Brokerage account which is the only way to get the full 2%) and it is better than an airline or other garbage "points" card because I can take the cash and buy my own plane ticket if I want it. Give me the cash, I'll decide what I want to spend it on!!!
Customer service has always been awesome when I've called. No complaints there.
My only wish is that it was a "true" Amex card. I have my other Amex cards enrolled with Amex for their Premium Rental car support but this card does not show up on my Amex online account and I cannot enroll this card in some of Amex's other services (I have called Amex and asked).
2% no limit? Yup. It's true.
February 2, 2015
Rated 4 out of 5 by Kye Dependable and convenient
I have enjoyed my American Express card and enjoy the online access and visibility.
Only negative I might mention would be that not all vendors will accept an American Express card as opposed to Visa, MasterCard and Discover cards. These situations require I carry a "back up" card when I would rather use just one.
I also was told I would receive extra bonus points when I signed up for the card and I do not recall that being the case.
February 2, 2015
Rated 5 out of 5 by Tai Pan Whats not to like.......
Been using since October ... So far flawless...I pay my cable bill , insurance , utilities on this card ... The rewards mount up fast.... I no longer used the 3-2-1 cards since most change categories quarterly...
January 31, 2015
Rated 5 out of 5 by Ben W Best Rewards
2% is hands down the best rewards around. As a Fidelity customer already, this card is perfect for me.
I would rather have the card managed by Amex (not Fia) since I already have cards with them. Also, I did have a transaction declined when I went to Canada (I should have let them know). Nevertheless, it has been an overall great experience.
January 31, 2015
Rated 5 out of 5 by 2% savings Good value
Automatic deposits work well. The web site is easy to use and provides details on account activity.
January 28, 2015
Rated 5 out of 5 by Happy Camper Absolute Win/Win. Don't miss out
We have used this card for 3 years and absolutely love it. We use the card for as many purchases as possible and pay it off every month. My husband's Fidelity account has received over $1,000 a year the last 2 years. How perfect is it to get free money for purchases you already planned on making and that free money then has the potential to grow as an investment? Even if that free money loses in the stock market, it is not out of your pocket. Absolute Win/Win. I recommend this card to anyone who can get it.
January 28, 2015
Rated 4 out of 5 by Hound Dog good but a couple things need work
I like the card a lot and customer service is really helpful. I like that the rewards just show up as cash in my account.
There are two issues with my experience so far:
1. It would be really nice for the fidelity investment/cash management website to accurately reflect the balances of my cards. I have to log in to FIA to get accurate information.
2. I wish autopay was easier to set up. It took over two months to get it going and then when it was up and running I didn't know and I ended up double paying the balance. I have used other banking sites and autopay was easier to set up and more transparent.
Thanks for asking for feedback.
January 27, 2015