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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 1159 reviewers.
Rated 5 out of 5 by Fidelity Rewards AMEX card Great Value. I like the 2% cashback on everything and no annual fee. Most simple earnings to use. It's not just gas or dining or groceries, it's everything. January 5, 2012
Rated 4 out of 5 by Cash Back Advantage One feature I really like is that I can get a check at any time from Fidelity for the 2 percent cash-back I have earned by using the card. Unlike some other cards (such as the Costco card), this card doesn't make me wait until a specified time to receive the cash. January 5, 2012
Rated 3 out of 5 by web site is too limited All my other credit cards are on autopay, but I haven't figured out how to pay the total amount each month. I keep coming to the point of having to enter an amount. Also, I cannot download my transactions except once a month. This is inconvenient for me. I do like the cash rewards end a lot. January 5, 2012
Rated 4 out of 5 by Review FIA Good Rewards and Credit Limit. ReaKY LIKE THE CARD January 4, 2012
Rated 3 out of 5 by Good but could be better Customer service and convenience are great. Someone got hold of my card number and used it without my knowledge. AMEX contacted me, issued a new card and fixed everything. My only complaint is that the interest rate is significantly higher than my other credit cards. It's great for bills you pay every month, but I would not recommend carrying a balance or using it for items that won't be paid off quickly. January 4, 2012
Rated 4 out of 5 by Access to Rewards Card is great. However, one thing that would make things a bit easier is to have direct access to WorldPoints Mall. Right now, to get to the Rewards site (WorldPoints Mall), I have to log in to FIA, select reward, earn rewards, then it transfers me. A lot of steps .... if there's a way to go directly to the rewards site, that would be awesome. Cheers January 3, 2012
Rated 4 out of 5 by Convenient, can us at most places Helps me to save money without trying and it feels secure. Only dislike that cannot use it everywhere. January 3, 2012
Rated 5 out of 5 by Excellent value This card is an excellent value as far as the cash back is concerned. January 3, 2012
Rated 5 out of 5 by Fidelity Rewards American Express® Cards Great card. never had any problems with it. Some retailers do not accept it. January 3, 2012
Rated 4 out of 5 by Secure & reliable Convenient, able to use at many outlets. Would like to increase limits soon. January 3, 2012
Rated 3 out of 5 by FIA Card Was not clear to me that the 2% reward could not be depostied to a 401k account. Should have done some research to understand this. I plan to eventually setup some fidelity account for the reward. Could not understand why my reward was not going to my 401k. The first person I discussed this with on the phone could not determine why the system would not apply my reward to my 401k. Took some time and effort to figure this out. I sent in the paperwork to setup autopay but Fia claimed it was not received. Not happy that I sent detailed personal information and Fia says they did not receive it. Not going to recreate and do it again, will just pay be phone. I have received good service when I've called FIA on the phone other than the person not knowing that the rewards could not be applied to a 401k. January 3, 2012
Rated 5 out of 5 by ron noe The best of my credit cards should be 3 % what more can I praise January 3, 2012
Rated 4 out of 5 by Am exp card To date the card is what I expected . What I do find concerning is the fact it isn't accepted more places due to the fees imposed on retailers. January 3, 2012
Rated 4 out of 5 by a Excellent value, best card around, but customer service could be improved through adding a breakdown of expenses to see where your money goes like other american express credit cards have. January 3, 2012
Rated 5 out of 5 by Convenient and profitable The card is fabulous! I use it exclusively. No points to redeem or calls to request payment. The 2% is on everything, without limit and it automatically goes into my brokerage account. Also, there is no annual fee. January 3, 2012
Rated 5 out of 5 by good reward I am glad to have 2% reward of all my expense. I wish I would like to increase my credit limit to get more reward. January 2, 2012
Rated 3 out of 5 by bolliger i would like an email when amex is forwarding the 2% to my cash account, since i never know if and when. January 2, 2012
Rated 4 out of 5 by cash and foreign i like the cash back and the no foreign fee features. don't like the card design/color January 2, 2012
Rated 4 out of 5 by Reward Confusion Limited Vendors The reward redemption process is unclear and requires too many steps. There are vendors who I shop who do not take American Express. This program would be better if it was a Master or VISA card January 2, 2012
Rated 5 out of 5 by Easy to use I use my Am Ex card for the majority of my purchases. I particularly like it because there is no annual fee January 2, 2012
Rated 4 out of 5 by Title My reccomendation for improvement is to modify the web interface to allow me to download transactions more frequently than once a month. I use Quicken to track purchases, and can only download once a month. January 2, 2012
Rated 4 out of 5 by yes We have no problem with the AE Card except lots of places will not take the card. That requires that we always have a backup available that the business will take, and have to pay two different credit card bills each month. January 2, 2012
Rated 2 out of 5 by No results I have tried multiple times to have my rewards transferred into an existing Fidelity acct., on-line and with phone help, without success. I have quit using the card because of this. January 2, 2012
Rated 5 out of 5 by 2% cash back is awesome! Rewards are great and costumer service/convenience are basically as good as other cards. Occasionally the website has been down, and I've had a bit of a hassle having to talk to a couple of different reps about the same purchases (apparently my account activity looked suspicious), but all in all it's a great card and I don't mind having the extra protection of calls for suspicious purchases. January 2, 2012
Rated 5 out of 5 by Convenient rewards I am pleased that I am receiving the advertised rewards. January 2, 2012
Rated 5 out of 5 by Convenient American Express is not taken at many places is the only downside. January 1, 2012
Rated 4 out of 5 by Excellent Cash Back. Poor Online Support. For a number of years you people keep saying that you plan to upgrade your system for daily online downloads to programs like Quicken but it still not there yet, which is extremely unusual nowadays. It is also inconvenient that you do not allow to change an account for autopay. January 1, 2012
Rated 5 out of 5 by FANTASTIC Very convenient, NO annual fee and 2% to Retirement January 1, 2012
Rated 5 out of 5 by 2% Cash Back on Everything? Can't beat that consistently. Excellent value card not having to worry about what 'flavor of the week' as with cards that have gas covered for 1 quarter and then restaurants next but not on Tuesday if the temperature is within 40-72 degress Celsius no less! Keep it going! January 1, 2012
Rated 5 out of 5 by Great Value I use this card for every purchase, unless the store doesn't accept Amex. January 1, 2012
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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.