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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

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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:

  • 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 1080 reviewers.
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
Rated 4 out of 5 by 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 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 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 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 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 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 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
Rated 5 out of 5 by Great Rewards, Great Card I have had this card for many months and I have not had any issues or problems with the card. I use it for many purchases at the store and for online purchases, including bill payment. And the 2% cash back is fantastic! Great rewards card! October 12, 2013
Rated 1 out of 5 by Worst Card Ever This card is an embarrassment to Fidelity and American Express. I have had other Amex cards since 1970. I like Amex a lot. Not this piece of junk. Not worth the 2%. I will be canceling this card. Cannot set up alerts. Does not download to Quicken on a daily basics. Card gets denied much to often. Etc. Bad customer service. Long wait times. October 9, 2013
Rated 1 out of 5 by Can no longer recommend the card I have been a Fidelity AMEX card holder for years. Up until this year (something changed in 2013), I never had any issues with the card. Now the fraud protection on the card is ridiculously aggressive to the point that I might as well not carry the card, because it is so frequently declined and subsequently locked until I call customer service to confirm that, "Yes, I did intent to buy that bottle of water and energy bar." The card is particularly terrible during travel. Every time I swipe the card, I have no idea if it will be declined or not. When it is declined, I need to call FIA Card Services, because they no longer proactively call me (another change this year). When I speak with them, they will tell me the same thing every time, "It was an unusual charge or it was outside your home area." Never mind the fact that I travel 20 or 30 times a year and the activity is perfectly normal (e.g., lunches, rental cars, snacks, hotels, gas, etc.). Also, even when I have called ahead of time to say I will be traveling, the card was rejected. When I spoke with customer service, they said, "We do not have any record that you would be traveling this week." More importantly, there is no way I am going to pick up the phone every other week to tell them I am getting on a flight. I do not have to do that with any other card, in particular, a true America Express card. In the past few months, I have spent more time with customer service getting my card unfrozen than all other customer service issues I have ever on every other card I have ever had combined. In summary, until Fidelity and FIA Card Services address their defective fraud protection system, there is no way I would recommend the card, regardless of the rebate. My recommendation to Fidelity, switch back to a free Gold and subsidized Platinum card with American Express like you used to do in the past. The current setup with FIA Card Services is terrible. October 5, 2013
Rated 3 out of 5 by Took 2 months to get card. FIA Card services took 2 months to review my account because the original representative did not document our conversation when I qualified for the card. If you speak with a representative, make sure he/she notes your entire conversation. If it were not for my follow-up phone-calls asking about the delay, I would have never recieved my card. September 20, 2013
Rated 1 out of 5 by Accessing account Our bill is automatically deducted from our checking account. We want to access the statement to see what was charged when and there is nowhere on the page to do this! September 19, 2013
Rated 5 out of 5 by Best Amex card out there I used to accumulate points and then go out to an expensive meal. Which always cost me more than the points because of the tip. Did I really need to be eating a $50 steak because my other Amex gave me points? This is WAY better! I use the card for almost all my expenditures, including cell phone bills, gas, groceries, purchases etc. Every couple of months I get back $50 or $100 dollars which goes right into my Fidelity bank account. The last time I checked, it would take me a long time to accumulate that kind of interest on a small savings account. September 16, 2013
Rated 5 out of 5 by REWARDS You advertise/promote that you pay 1.5% rewards and up to 2% based on volume. Yet I have never been paid more than 1%. Why is that? pierre September 13, 2013
Rated 3 out of 5 by Love the rebate, hate the declines I have both the Fidelity Amex and Visa and use the Amex where ever it is accepted and the Visa in other places. I love the 2% back on all purchases and the doubling of warranty when I use the Amex. But I get a fair amount of merchants declining the purchase - both online and in the store/gas station. Each time I need to call Customer Support and re-activate my card. If you can deal with the overheads, it is good deal. September 4, 2013
Rated 5 out of 5 by Great for International Travel, too... Not only does this card deposit the rewards in an IRA or in a regular account, it has other benefits as well. Since it is a genuine American Express Card, the foreign transaction fee is only 1%, versus 3% for other credit cards such as Mastercard or VISA. Thus, this card has become our card of choice for foreign travel. The Customer Service desk is both very friendly and competent when I call with our upcoming travel plans. We have never had an issue when using this card on our foreign (or domestic) travel, especially if you inform Customer Service about your travel plans. September 3, 2013
Rated 2 out of 5 by like the rebates but almost impossible to use the credit card I signed up for the reward credit card last year because I do like to earn the 2% reward. However, it was almost impossible for me to use the credit card because the great majority of credit card charges were denied. We are not even talking about major purchases, but little charges for $100 or less. In other words, we are talking about a small fraction of one percent of the usual credit limit for each and every one of my credit card. I spent so much time dealing with Amex Customer Service, and I had no choice but to stop using the card. I frankly do not understand the logics, because Amex/Fidelity must have spent a fortune on payroll costs for the time of their Customer Service employees on harassment of their customers. I will consider charging on the credit card in the future, but only if we can get at least a somewhat bearable experience with Amex. August 31, 2013
Rated 4 out of 5 by Rewards high but "fraud prevention" a hassle This card's 2% cash back to my Fidelity account is great. However this card also has an exceptionally aggressive fraud prevention feature that leads to declined charges often if one uses it as one's primary card. It makes no difference if you call in advance or not -- the "sales prevention team" at FIA Card Services is always ready to make sure charges are declined, sometimes in an unpredictable manner. Don't even think of trying to use this card internationally on a multi-country trip! (PS - I'm a longstanding Fidelity account holder with substantial (7 figure) assets, excellent credit, no late payments, a high credit limit on the card, and almost no chargebacks requested -- It makes no difference. If you can use this card -- do it! But make sure you have a backup with you at all times. Thus, I do not recommend unless you have another account. August 25, 2013
Rated 4 out of 5 by Great Rewards The only issue I have with this program is that it would be good for Fidelity to offer a Master Card or Visa card because American Express is not accepted by all retailers. August 21, 2013
Rated 2 out of 5 by would be great if it worked with Quicken Fidelity is a great company. Unfortunately, they've sub contracted their Visa and AMEX cards to FIA card services. This card may still work for you but this is what you should know: PROs: Great cash back award. Automatic payment into your fidelity account when you charge $2,500 CONs These cards do not load transactions daily into Quicken, if you use quicken, these cards are a pain! The foreign transactions fees are very high FIA card services phone support is spotty August 17, 2013
Rated 3 out of 5 by Terrible website I love the 2% cash back which is why I use the card. But I've never seen a worse website for a credit card. August 13, 2013
Rated 2 out of 5 by of limited value with over 750,000 in Fidelity assets, I was given a card with a 7500 credit limit. When I tried to get the limit increased to a limit more appropriate to the risk involved, I was given the "fifth degree" I see no benefit in holding a card which bears little recognition for my role in the "process" August 9, 2013
Rated 2 out of 5 by Not if you travel abroad This card would be perfect except for one serious problem. They are constantly refusing charges, especially from outside the US. Even if I call them before making a charge and tell them exactly what the charge will be, they still often refuse it. They say I must have it refused and then call them and then retry. August 5, 2013
Rated 1 out of 5 by The problem is FIA Services I did not know that a name like Fidelity would be using such a horrible card service, the website looks 10 years back and my biggest peeve point is they don't even let an auto-payment of entire statement balance. You can either do a auto-pay of the minimum balance or come each month and make your payments, sounds like a trap to make people pay interest charges. I haven't seen such a thing in my last 8 years of credit card operations. I am also reading some other very bad reviews of poor FIA customer service and arbitrary charges on internet, I don't think 2% is worth it with all this hassle. August 3, 2013
Rated 2 out of 5 by Fidelity Amex Retirement Rewards Cards Really pay 1% The 2% rewards card refers to points not $dollars- the $rewards are really only 1%. Marketing material indicates every $2500 spent equals $50 deposit- but the FIA card details indicate every 5,000 points = $50 or 1%. Seems like your earn 2% points which is worth $1. Why the complicated points versus dollar conversion? August 3, 2013
Rated 5 out of 5 by Make your money work for you! I love thing card. It is great and pays you back for spending the money you would spend anyway at the best rate that I've seen on any card. August 3, 2013
Rated 5 out of 5 by Best Card Ever This is the best credit card of the many, many credit cards I have or have had. There are no fees or limits and the rewards automatically are deposited into my Fidelity Account. It could not be easier. Plus when I call customer service, which is not often, I quickly get a live person to address the matter. July 31, 2013
Rated 1 out of 5 by Very Poor Customer Service You wait on hold than get put into a call center. The people who staff the center do little to help you. If you need to call back you end up getting a different person. you have to explain yourself all over again. There is no way for you to call the same person, supposedly working on your case. There is no way for that person to call you back. There is no way to e-mail in documentation. Cash back is not worth the hassle. July 30, 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: 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.