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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: VACAUL

Product details

Industry recognition accolades_animation

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:

  • Fidelity® 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 fee
  • 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
  • See our Pricing and Program Benefits before applying

Next steps

Fidelity® Investment Rewards® American Express® Card

Additional resources

Rated 3.9 out of 5 by 1161 reviewers.
Rated 5 out of 5 by 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 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 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 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 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 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 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 5 out of 5 by Awesome Card I have used this card for several years now. The 2% and no annual fee is wonderful of course. I do not carry a balance. Recently, someone stole my card information and charged over 10k illegally. Fidelity AMEX handled the situation professionally and credited my account with the defrauded transactions as they were identified. Great Service! Great Benefits! August 2, 2015
Rated 1 out of 5 by customer service poor at best Fidelity as a company has excellent customer service, however this branded credit card has terrible service. I charge over 50k per month consistently and when they thought there was an unusual charge on my account - they shut it down without notifying me. The automatic bill payments i had set up all started bouncing, I went to pay for dinner and the waiter had to tell me and my guest that my card had been declined, it was a humiliation and a nightmare to explain to everyone. When i asked why they did not call me, they said they had way too much fraud going on to call every customer. July 31, 2015
Rated 4 out of 5 by Mostly Excellent Unable to determine if my autopay to my FIA credit card has been established or not. I tried to set it up 2-3 months ago, but can't find that it's in effect. July 29, 2015
Rated 5 out of 5 by secure Excellent services. Interaction with Fideity account was difficult at best July 29, 2015
Rated 2 out of 5 by Good value, but service is terrible This card has good value, but the online service to manage the account is terrible. I was expecting the same level of service as regular American Express cards, but this card has a very inadequate and minimal internet site for managing the card. Functionality is extremely limited (no search, no ability to activate a new card online, very limited sorting, no transaction inquiry function, etc.) and very disappointing. It feels like the website's level of functionality and usefulness were the norm back in the 1990's. Also the card is not supported on ApplePay yet, which is disappointing for such a mainstream card. Very disappointed. July 24, 2015
Rated 1 out of 5 by Great deal horrible service I have used this card for years and it is great to build up a 529 balance. Unfortunately our card is now shut off every few times we get gas or groceries even when only a few miles from home at stores we frequent. There was a point when I would get a call when this happened but things have gotten so bad I now cannot even get through to customer service when the card is declined. No notice from them at all and no ability to speak to a person due to constant high call volume. Hard to stick with something when it just will not work. July 23, 2015
Rated 4 out of 5 by Account Should Link Better with out a PW Account should link better without having to enter an additional password. July 20, 2015
Rated 1 out of 5 by Poor Service I have had similar poor service issues as noted by others. My card was frauded, and I was told twice that cards would be expedited overnight. The first set was sent via ground mail. Then the second attempt was to go to a hotel where I was vacationing in Mexico. I was promised the cards would arrive prior to check-in. I stayed a week, and the cards never arrived. Fortunately I had brought another brand of card. Finally after requesting a supervisor, they expedited my third set of replacement cards. In addition, we routinely get non-approval on cards as others have noted which is another reason to carry a real American Express card. I like the 2% back, but I am so frustrated that I am going to find another cash back card. July 20, 2015
Rated 1 out of 5 by Dragging You Down Dear Fidelity... Do yourselves a favor and find someone else to issue your AMEX bank card. FIA services is dragging your name and reputation into the dirt. What good is cash back when you can't even use the card due to shutdowns for "suspicious" activity? Really? Shopping at the local Walmart (that my wife and I frequent several times/week) because it was 5am? Buying $1.49 of postage at my local USPS? Really, please, please find someone else. It is embarrassing to hold > $1M in investments @ Fidelity and be declined for attempting to buy $39.12 worth of food at a Walmart... July 19, 2015
Rated 1 out of 5 by Poor security algorithm drives cancelled cards with no alerts! Received my seventh FIA Amex card in the last two years due to their overly sensitive security concerns. I can understood two canceled cards were for someone duplicating my card for a very unusual and out of state transaction that FIA computers wisely declined. But the other four canceled cards were their fear that someone might have my account information. In every case I was surprised at the checkout line without any alerting phone call / text message. The customer service call times are long as I normally spend 30 minutes with tier one FIA customer service and when I escalate to tier two its another 20 minutes. They won’t make any exceptions to what the computer algorithm determines. I thought my remedy to poor satisfaction was to cancel and switch to Fidelity’s Visa, but their customers satisfaction reports are worst and shows FIA is the problem with no consequences from Amex nor Fidelity for creating this poor impression. July 19, 2015
Rated 5 out of 5 by Excellent Card I have this card for many years. The points for cash-back add up very fast when it is double the points for every dollar. Very please and happy with the service as well. No complaint here! July 14, 2015
Rated 2 out of 5 by Rejected multiple times We signed up for this card a couple months ago and things were fine, for a while. We travelled outside our state this past weekend and the rejections piled up. When I called the toll free number on the back, it took quite a while before a live person came on. They told us that since we were outside our normal travel area that our credit card was blocked for suspicious activity. I think they want us to tell them every time we go on a trip. Seriously. What kind of credit card requires that level of notification. Seems like FIA wants to cover their rear instead of providing decent service to their cardholders. July 13, 2015
Rated 4 out of 5 by Good Card, Not Perfect I love getting 2% back. I don't like having a high threshold before I can cash in on it. AmEx accepted less places than other cards - I often have to use another card. Overall, very good. July 8, 2015
Rated 4 out of 5 by review Great card, many merchants do not accept it. Takes two day to pay. July 8, 2015
Rated 2 out of 5 by Is this really American Express your dealing with? Both I and my mother got this card for the 2% return verified on the Fidelity site today. The Fidelity AMEX site shows only 1%. It even has a chart that shows the cash reward for Fidelity (1%) vs other bank accounts at .5%. Every month since getting this card there have been issues for both of us with different states and mailing addresses. I had fraudulent charges on my card (first ever in my life) and she has had many mailing errors. Attempts to resolve these problems were handled with courtesy but communication was real poor with followup. My mothers called and paid with her bank account one month, they got the account number wrong but it still processed and 6 days later it was rejected with no notice to her other than a mailed late payment notice. After dealing with 5 different credit cards I must say the group handling this is the worst I have dealt with for quality and security. Even the fact that you cannot pay your bill automatically as with other cards leaves one wondering. She is cancelling her card and I will probably be close behind... July 8, 2015
Rated 2 out of 5 by Unhappy camper i signed up for the card for the great cash back value prop. When I signed up there was a promo for 0%apr on purchases for one year. There was some system update in Feb and somehow my promo specifics were erased. I have submitted a request to review over the phone but have yet to hear back. As a result, I have not even activated my reissued card and do not plan to as a result. Very unhappy. I have written notes but can't locate any formal promo documentation. I had read reviews of shady and poor customer service and I'm feeling that now. Also the web UI and functionality is severely lacking in comparison to the market waterline. July 8, 2015
Rated 1 out of 5 by Protecting FIA, not customers Have had about 5% of store use attempts declined. Calling FIA leads to same script each time- "are you traveling, is this your regular store,..." Charges have been as low as $7. Security screening is deeply flawed- far more interested in avoiding their having to process a chargeback than in providing customer convenience. I was with AMEX for 40 years with worldwide use and NEVER experienced this kind of problem. FIA is **NOT** AMEX or in AMEX's class. Considering dumping this card- the rebate is not worth the inconvenience, delays, and embarrassment. This card is a stain on Fidelity's reputation, in my opinion. July 4, 2015
Rated 4 out of 5 by iPhone mobile app and ApplePay Fidelity and American Express. Hard to believe that with those two names behind the card there STILL is no mobile app for IPhone and it doesn't work on ApplePay. Having to rely on the FIA web site for complete account information is a pain. Come on Fidelity! Otherwise great card for cash rewards. June 30, 2015
Rated 4 out of 5 by Pretty Good Card Two Issues with this card: 1) You need to spend $5,000 before any earnings can be transferred to your Fid account and 2) You need to log into a separate FIA web site to see/monitor details about this card - you only get a summary at the Fid web site - this is a bit of a pain. June 29, 2015
Rated 4 out of 5 by Primary Card I use this card at all places that accept this card. Two percent cash back on all purchases is a no brainer. Like some reviewers have stated there are places that won't take an Amex card so you have to have a backup card. This card ranks at the top in the cash back category. June 28, 2015
Rated 3 out of 5 by Mixed Results The card works fine, but the backroom is a mess. Have had problems virtually every month with FIA Card Services. Do not put this on AutoPay! They withdrew the wrong balance and overdrew my checking account. It took three calls to get the problem resolved and the AutopPay cancelled. Otherwise it is a good credit card which saves us a bunch of money. Many places don't take AmEx however. June 24, 2015
Rated 1 out of 5 by Very Poor Service Holds are continuously placed on my account for suspicious activity when, in fact, the activity is normal. This situation is both irritating and embarrassing; especially when a charge is rejected at the grocery check-out line. I have a relatively high limit on the card and pay the balance each month. Even so, I am the one who must verify charges as mundane as groceries in order to have use of the card. Each time that I have been compelled to call FIA to reinstate the card, I have told them about the constant annoyance. I am doing their job. As the customer, I am subject to public embarrassment because of FIA’s incompetence. This is absolutely the worst credit card that I have ever had and I find it incredible that respected companies like Fidelity and American Express allow their names to be associated with such an inferior product. I am sure that I am only one of thousands of customers that this continues to happen to. It makes me wonder if my loyalty to both Fidelity and American Express over the years has been misplaced. June 22, 2015
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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: VACAUL

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. The Best Cash-Back Credit Cards in America, Credit.com, April 2014. Learn more about the award. Credit.com is a free, independent comparison service working to educate and empower consumers. Results were based on a selected universe of credit card companies and credit card offers by the author and considered the rewards as a percentage of spending, the other perks that a credit card may offer (which can include, but are not limited to, travel insurance and purchase protection policies) and fees.
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. This credit card program is issued and administered by FIA® Card Services, which is not an affiliate of Fidelity Investments. Investment Rewards and FIA Card Services are registered trademarks of FIA Card Services and/or its affiliates.
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.