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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: VABYFC

Product details

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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

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

  • 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 
  • No limits on rewards
  • No annual fee8
  • 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

Next steps

Fidelity® Investment Rewards American Express® Card

Additional resources

Rated 4.1 out of 5 by 832 reviewers.
Rated 5 out of 5 by 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 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 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 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 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 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 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 convenient! December 29, 2011
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 rejected frequently lately the card is routinely rejected for routine purchases, constantly on the phone to approve charges. Get another card! Not worth the rebate! April 6, 2014
Rated 1 out of 5 by no automatic bill payment I got my card a month ago and just went to set up autopay, as I have done easily for numerous other credit cards. Agree with similar posts noting the intentionally confusing FIA payment site that does not enable automatic bill payments in full. You must log in monthly to enter the appropriate payment amount, and the login process is not user friendly. April 5, 2014
Rated 2 out of 5 by Confirmed - Very Poor Service I applied online for the Investment Rewards card and upon completing the application it stated my Retirement Rewards application was complete. I immediate called Fidelity because of the error to ensure that I was getting the Investment card. They said they would cancel and to reapply. A few days later the Retirement rewards card showed up on my fidelity account and a week later I received the Retirement card in the mail. Subsequent calls have failed to get the correct card so far. Just BEWARE, the customer service that others have mentioned are in fact very poor and to get the 2% rewards there might be some pain to go through. March 25, 2014
Rated 5 out of 5 by The only card I need After hearing there was 2% cash back, and I could cash out my rewards into my fidelity account, I was sold! This is truly the only card I need! March 24, 2014
Rated 1 out of 5 by Terrrible Customer Service This is worst card that I have ever owned. It keeps getting denied (about 50%) at different merchants in my home town. Moreover, traveling is terrible with this card. I would not recommend it to anyone. March 24, 2014
Rated 1 out of 5 by Do not consider using the Fidelity AMEX or Fidelity VISA as your primary card I love Fidelity. I love the 2% cash back on the Fidelity AMEX card. But I absolutely hate dealing with FIA Card Services, the issuer and servicing entity that you will be dealing with once you have this card. Yes, FIA is the biggest issuer/processor- but FIA is undependable, very often unprofessional, and lacks some basic capabilities that you should be able to expect from a credit card with the Fidelity name on it. I routinely charge about $50,000 per year on my Fidelity AMEX and Fidelity VISA cards. I have had these or other cards serviced by FIA for over ten years. 1) FIA declines one or two of my transactions each year due to problems with their fraud filtering algorithm. They won't call you - you call them, wait ten minutes for a rep, wait for the rep to transfer you to the fraud dept, only to hear that some routine combination of transactions that you do all the time triggered the decline. Don't get me wrong - I greatly appreciate knowing when something looks suspicious - I just do not like FIA's determination process or the way FIA handles these situations. (Compare to American Express who immediately calls you when they see something wrong.# 2) Just about every two years one or the other of my Fidelity cards is cancelled due to what FIA calls "Merchant Compromise." FIA won't call you. You have to try to use the card and find that it is declined to realize you have a problem. FIA also will not under any circumstances tell you what the "compromise" was all about. You receive a new card in the mail and have one to two weeks to change any accounts with recurring transactions that you have linked to your credit card to the new number. #I typically have 20 to 30 accounts linked to my credit cards.# 3) FIA does not support Quicken direct connect or web connect. Consequently, if you use Quicken you have to wait for your statement to close, log in to FIA, and manually download the transactions for each credit card into Quicken. Compare to a card which does offer Quicken web connect support - you make a credit card transaction, go home, open Quicken, click on "Update," and the transaction is already there for you to see. 4) Finally, some FIA customer service personnel and, in particular, fraud department personnel absolutely have no business being in customer facing positions. I used to head a customer service operation for a very large corporation and have some experience to back up this comment. Fidelity, you can do better than FIA. Yes they are one of the biggest issuing/servicing entity out there, but they are damaging your good reputation and costing you business. I, for one, just recently got fed up when my Fidelity AMEX was once again cancelled due to an unspecified "Merchant Compromise" and so switched to another broker card that calls me when this sort of thing happens. Please, please consider changing issuers/processors and you'll get my business back. March 22, 2014
Rated 1 out of 5 by The card sounds like a great deal -- if you can use it I've used the Fidelity Amex Card by FIA for 5 years, and I'm getting increasingly frustrated with it. I love the cash back rate, but its getting to the point where the card company denies legitimate charges under the pretense that they are providing a service to protect me -- multiple times a week. This is despite a record of makings purchases for business travel to multiple cities and countries on a monthly basis since I've had the card. March 15, 2014
Rated 1 out of 5 by BAD CUSTOMER SERVICE After repeated requests, AMEX is unable to mail my statements. March 3, 2014
Rated 2 out of 5 by 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 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 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 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 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 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 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 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 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 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 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 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 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
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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: VABYFC

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. Survey: Best Cash Back Cards, CBS Moneywatch.com, February 2011, 2012
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. For information about the rates, fees, other costs, and benefits associated with the use of this credit card, or to apply, click on an Apply Online link above and refer to the disclosures accompanying the online credit card application, or call FIA Card Services toll-free at 866-598-4971. This credit card program is issued and administered by FIA Card Services, N.A., which is not an affiliate of Fidelity Investments. Investment Rewards is a registered trademark of FIA Card Services, N.A.
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.