Rated 3 out of 5 by farquar876 Fraud Prevention Dept
Twice I told them to PLEASE not hold up a charge that was coming from a European contact. TWICE they told me they had flagged it to go thru. TWICE they dropped the ball.
July 21, 2014
Rated 5 out of 5 by coco Express Card
Excellent, I use the Fidelity American Express when ever I can...earning 2% back on every purchase. The cash back points are awesome.
July 15, 2014
Rated 4 out of 5 by DOBERGUY The best that I've found.
In order to get the 2% on everything, you do need to deposit it into a Fidelity Investment account, which isn't a problem because of the number of investment options available. The only thing that I personally would love to see them add is the ability to download directly into QuickBooks which I use for my business AND personal bookkeeping.
July 15, 2014
Rated 1 out of 5 by Mike S Does not work with Fidelity's Full View
Had to stop using as it does not interface with Fidelity's Full View. It worked for awhile until they made some changes and for the past month or more it has failed and all they can say is that they are working on it. They hired an outside firm to do the web site and It looks like they don't know what they are doing so I have had to stop using the card.
July 15, 2014
Rated 3 out of 5 by Kapn John Needs Changes
OK product but the problem with American Express is that many of the places I need to you use the card at do NOT accept it, making it hard to reach a large enough monthly charge to get the $50.00 reward. I intend to switch to the Visa reward card instead.
July 14, 2014
Rated 1 out of 5 by diane1803 Awful
I've had the card 1 year. It's been replaced 2x due to security issues and denied and put on hold 5x for everyday purchases they think are fraudulent.
Never had a worse card
July 14, 2014
Rated 4 out of 5 by RJ Cash back great but short on features
Love the 2% rewards with no gimmicks. Customer Service seems very good. My other cards allow me to set up alerts for almost any type of card activity but this card does not. Also I can't download transactions in Quicken during the billing cycle like my other cards, only when the cycle closes. High on value, low on automated features.
July 11, 2014
Rated 5 out of 5 by Greg L. Excellent and Reliable
An excellent credit card for daily use and the rewards pile up fast! I use it for all my shopping including Costco, Groceries, etc.
July 10, 2014
Rated 1 out of 5 by Mike Big brother card service
I have used this cash back card for over two years and pay my balance in full, on time every month. Like others, I experience the embarrassing denial of charges at local and out of town retailers. It's a hassle but I have accepted it as the cost of the receiving 2% back. However, FIA Card Services has decided to not allow me to use my email address that I have used for the last 10 years and is linked to my Fidelity account. The FIA Card Services IT tech told me their updated software rejects the use of my Fortune 500 company email address because the firewall is makes it difficult for them to push messages to my account. I can only assume he was talking about invasive software as I do not have issues with receiving emails from FIA. The FIA tech suggested that I use a hotmail account to manage my card. As of now, I can only redeem points over the phone. I am thinking about canceling. I agree with others that FIA is tarnishing the sterling brand of Fidelity.
July 10, 2014
Rated 5 out of 5 by Earl QT Pie Might be the best card for rewards
Unless you carry 6-8 card in your wallet and keep track with what bonuses each card is eligible for. I keep several cards in my wallet but find that for most everyday spending, the other cards aren't useful. I'm always pulling out the green card.
July 8, 2014
Rated 3 out of 5 by CDPH Great Card, but lacking Android app
This is a fabulous card, and the rewards beat anything on the market. We use it pay all of our bills and the 2% cash reward into our Fidelity Account is amazing.
Having said that, I was more than a little surprised to learn that Fidelity, nor FIA (the 3rd party administrator of this card) has an app for card management in the Google Play Store. Every other major financial player that I have any business with, all have apps that I can load on my phone, and then see detailed transactions of my card use. For this card the only way that can be done is by logging into the web site. Not at all convenient for business folks on the go.
Frankly I have to say that this is very disappointing. I was really stunned that Fidelity did not have this. With all the good things that Fidelity does, this is a shock indeed from a user convenience standpoint.
July 7, 2014
Rated 4 out of 5 by wmras Use in Europe
The Fidelity American Express Card, like many other US "strip & signature" cards, is increasingly difficult to use in Europe, especially in automated charge stations like gas or tolls. Just drove 3,000+ miles through Germany, Austria, Liechtenstein, Switzerland, Italy, and France. "chip & signature" cards are equally problematic. Fidelity American Express needs to convert to "chip & pin" or it will become increasingly worthless to world travelers.
July 7, 2014
Rated 3 out of 5 by FIA Nightmares Beware FIA Card Services
The concept of 2% cash back is excellent. Hard to find a better cash back deal anywhere else. Has the Fidelity name associated with it so that is nice, very reputable company with great service from my brokerage account. The foreign transaction fee is acceptable and Amex merchant acceptance has improved considerably.
The problem with this card (and this is a BIG problem) is FIA card services. Horrible customer service. They will regularly place a block on your credit card for "suspicious" activity. Imagine being in line at a merchant and now your card is declined because FIA thinks its being used fraudulently. Now you have to spend the next hour of your vacation calling FIA and jumping from rep to rep (even though you placed a travel alert on your card prior to your trip) just to have them unlock your card. Never had these kinds of problems with other card issuers only FIA.
Fidelity you've got a great product here, please leave FIA and use a different processor to provide customers with at least something that resembles decent customer service.
July 5, 2014
Rated 1 out of 5 by T Sucks for large purchase - trips fraud every time
This card sucks for large purchase. It trips fraud every time you make a purchase over $300. I'm on the phone with fraud deduction more than with my Mother!
July 3, 2014
Rated 5 out of 5 by Bob GOOD CARD
This card gives the best rewards I know of, Thank You Fidelity for having this program,
July 3, 2014
Rated 5 out of 5 by kinu0207 Great Card
The best thing about this card is the 2% cashback which is not offered by any other credit card year long all the places it is accepted and it can be used for anything ranging from groceries to paying your bills.
June 30, 2014
Rated 5 out of 5 by wildbill562 The best reward card!
I love this card. Use it for everything and get 2% cash back on ALL purchases - including high ticket items like Medical. No other card offers that. Most cards offer 5% back on a few categories, but have a limit. And the categories keep changing every quarter. And you have to log in and sign up every quarter. Total nonsense. This card eliminates all that. Love it!
June 24, 2014
Rated 1 out of 5 by Longtime Fidelity Customer Never Never take this Credit Card, no relation to Fidelity or Amex
Never take this Credit card even though the Cash Back is 2%. I took this credit card and linked to my Fidelity Checking Account, When I made the online payment of $500 from checking Account which had enough balance, the same was not reflected instantly in my Credit Card Account. Even after 19 days it is still not reflected even though both are Fidelity Account. This card is not serviced by American Express. It is serviced by FIA Card Services (under license from American Express). When I contacted FIA card Services, they had no clue about the payment, when I contacted Fidelity, they transferred the call to another company who maintains & supports online payments. They couldnot resolve the issue. and transferred the line again to Fidelity Credit Card account. The Fidelity Credit card ( 3rd party - FIA Card Services) couldn't resolve the issue till date. I am now told there is another 3rd party for Bill Payment processing. Nothing is resolved yet. Highly Frustrating.
June 21, 2014
Rated 1 out of 5 by Jackie S. "burden of proof is on the customer"
I used my Fidelity Rewards AMEX in a restaurant which overcharged me by 300%.
I filed a dispute but did not have a receipt.
Customer service said without a receipt, I must accept this amount with no recourse and the merchant was not required to submit their copy of the receipt for review.
I have disputed charges on AMEX cards in the past with no receipt and was provided copies of the merchant's receipt in every instance.
June 17, 2014
Rated 1 out of 5 by Alan Not Reliable
2% Cash back is great, but do not count on this card as your only card. My card has been suspended 3 times for possible fraud activity. It has occurred at my regular grocery store and when traveling out of state. You must contact customer service to end the hold, very inconvenient when you travel. This is the first and only card I have ever experienced this problem with. The website is terrible and so is integration with Quicken and Quickbooks. Fidelity can do better than FIA Card Services.
June 14, 2014
Rated 5 out of 5 by Urodoc cash is King
I have had both the credit cards from fidelity with 2% cash back. IMO these are the BEST deals around. The credit card service is also excellent.
Throw away your airlines affinity cards and start saving for your retirement or kids education.
June 14, 2014
Rated 4 out of 5 by 4 Great credit cards 4 great credit cards
I have been using the Amex card for about 4 months now. The card is the best value in the business. Amex is accepted at most, but not all service providers. The web site for this card is elementary and not very user friendly. The site clearly needs to be updated. Unlike the traditional Amex web site, this site is the most fragmented and difficult to access of all my cards.
June 9, 2014
Rated 5 out of 5 by Keith O LOVE THIS CARD
2% cashback on everything. Easy to figure, easy to use, accepted a lot of places, and great customer service. My account got hacked due to a virus on my computer and I got a call from Fidelity American Express alerting me to the cashback being redeemed for a walmart gift card several states away and it got flagged as suspicious activity. They caught it quick and refunded my cash back.
I would recommend this card to everyone. A fantastic company and a pleasure to deal with. Thank you!
June 6, 2014
Rated 1 out of 5 by H. Abbas Horrible Customer Service
Horrible customer service for this credit card. I've had issues 3 or 4 times trying to get hold of a representative for simple issues. Their automated system is horrible and disconnects you if it can't get hold of a rep within a few minutes. Then you have to call and wait again to get a hold of someone. I've complained to a manager at the call center who apologized and sent me a $25 gift card and promised that it would never happen again. However, it has already happened a few times after I filed my complaint.
June 3, 2014
Rated 5 out of 5 by Richard The best
I used the Fidelity MasterCard for years earning 1% until a friend told me about Fidelity's Amex card earning 2%. I was skeptical until I tried it and now it is definitely my go to card. Amex is accepted at most businesses and I kept my MasterCard for those instances where it was not.
June 1, 2014
Rated 3 out of 5 by Richard W. 2% points = 1% cash
I just got off the phone with Fidelity Customer Service and they explained you "Earn" 2% on your spend dollars in points and when "redeemed", you net 1% on your spend dollars. I've only been getting 1% transferred to my account so this is consistent. Other reviewers state 2% cash back, but I have my doubts.
May 29, 2014
Rated 2 out of 5 by Vic Too many issues
I chose to get this card for my large wedding purchases to get some extra cash back. It worked well until I started booking my honeymoon hotels on priceline.com and my card continually got denied for insufficient vendor information. After hours of calls with both FIA card services and Priceline together, I had to put these purchases on another amex which had no problem at all. Not only that, but the website is one of the worst I've been on in a long time, a complete disaster that I try to avoid. Who knows what is going on with the auto-pay feature, apparently there is no auto pay in full? I've only had one knowledgable customer service rep out of the 10-12 that I've had to speak to over the past month as well. With 2% cash back I wish this card would just work!! Not worth the headache!
May 20, 2014
Rated 5 out of 5 by TXcustomer Great card - We use it the most by far.
This is a really great credit card. Most places we shop accept AMEX - both in person and online. That 2% on everything really adds up, and it is super easy to redeem the points to your Fidelity account. Also, the foreign transaction fee is only 1%, so you still get 1% net rewards even if you use it overseas.
May 20, 2014
Rated 1 out of 5 by 210Doc Not up to expected Fidelity Standards
I just deleted a long rant detailing FIA's failure to cover me for a merchant that failed to deliver cremains for a cremation arranged and documented by phone.(but with no written contract other than three people witnessing the agreement on a speakerphone and prolific notes...Caveat....obtain a written contract for any phone purchase otherwise you will be informed that you have no proof of the fee quoted for the service...long story here). End result, after my objections, FIA gave me a credit on my account of $150 to make up for a charge of close to $1200 that should have been partially or totally denied since, as of this date eight months later, no cremains have ever been provided even though the merchant was fully paid upfront by my use of the card.
I also have had denied charges locally and during travel which is annoying. My last one was for a $15k local purchase....ie $300 reward for that one transaction. It was well below my credit limit, but denied. I gave up on telephone approval after the merchant and I both experienced dropped calls and long periods of being left on hold to verify the veracity of the charge. It was embarassing with people around to have your card denied and be unable to rectify the problem. Swiping another rewards card resulted in immediate approval with only the swipe, but halved the reward that I would have gotten through use of the FIA card.
Overall I have been five star pleased with Fidelity Investments themselves for many years, but the problems I have experienced with their AMEX card relects poorly on the reputation of an otherwise excellent customer service oriented company. As a result I am currently evaluating other options for the investment of sizeable proceeds from a recent business sale.
May 13, 2014
Rated 1 out of 5 by Ray 39 Web site hard to navigate for simple transactions
Difficult to move cash balance into existing fidelity account.
May 13, 2014