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 frustrated 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 Deceptive FIA 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 Carl 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 NJB 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 JBD 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 Jim 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 Erik62 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 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