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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 1159 reviewers.
Rated 5 out of 5 by simple calculation of rewards There are all kind of schemes to get a person to use a particular credit card. Unless you like frivolous benefits you are not getting much. Fidelity Rewards is real money put to use for your future. April 17, 2015
Rated 3 out of 5 by Needs Improvement The problem us not with the card, but with the issuer FIA Card Services. 1) it is not affiliated with Apple Pay, which I prefer to use when available both for convenience and security of information reasons, and 2) it does not have a notification system for charges to the card over a set amount. For security purposes, my other cards are set up to text me when a charge is made in excess of an amount that I set. I have had cards "hacked" previously and consider this to be a pretty basic service. I would encourage Fidelity to either change the issuer of its branded card or require a major upgrade in the level of service offered by FIA, which frankly is very limited. April 14, 2015
Rated 2 out of 5 by Often Declined FIA Card Services Fraud Department often causes this card to be rejected. I was recently given the direct number to the fraud department for the next time it happens. It was recently declined at the pump but FIA said there was not a problem. Two percent back is nice but the card is a real pain. I'm looking for alternatives. April 13, 2015
Rated 4 out of 5 by Great card to use for everyday expenses Pro: 2% cashback on everything autopay works as advertise No issue using the credit card Cons: website needs to be improved especially statements and login system other than i highly recommend this card April 13, 2015
Rated 1 out of 5 by poor customer service This card is a joke can't believe it's a fidelity and an American express card. This is a FIA run card that is so antiquated and wrist customer service. IT IS NOT AN AMERICAN EXPRESS OR FIDELITY RUN CARD! April 7, 2015
Rated 2 out of 5 by Many charges refused This card is a great deal and I have been using it for about 2 years for most of my purchases. Then, starting in 2015, they started randomly refusing certain payments claiming they were concerned about security. So I never know what they are going to pay and what they will refuse. Sometimes they refuse new merchants but sometimes recurring bills like Verizon Wireless. I think FIA Card Services pays back so much to Fidelity that they want me to cancel the card. April 7, 2015
Rated 4 out of 5 by Why can't I set my payment? I pay my charges online through the FIA webpage. I go online and look at my full balance (not just the statement balance), and try to pay that. Nearly every time I do that FIA ends up taking a different amount than what I specify that I wish to pay. This causes me to go back to my bank account every month and readjust my balances because FIA didn't take out what I asked them to take. I want a card that does things MY way, not theirs. April 7, 2015
Rated 4 out of 5 by AMEX Fidelity The AMEX Fidelity card provides an excellent reward program and links well with my Fidelity account. Two suggestions to improve: 1. Make card compatible with ApplePay 2. As with other AMEX products there are some merchants who do not accept - need to broaden the merchant base April 6, 2015
Rated 5 out of 5 by Amex 2% cash-back Right now, one of the best cash back credit cards I am aware of. 2% back regardless of use is a great deal. April 6, 2015
Rated 5 out of 5 by I do recommend this card. I've used this card for several years and without a hitch. I travel quite a bit overseas and never had an issue (just call FIA Services first to ensure the card is 'turned on' for where you are going). The one time I forgot to call before I traveled to the UK - FIA called me within 2 mins on my cell from the time my transaction was declined. I was still standing with the merchant (the hotel I was checking into) and we resolved the whole thing in a few mins. Overall a great card. April 6, 2015
Rated 3 out of 5 by Just Cancelled Had this card for 6 years, just had to pay a late fee and interest because they said they received my check ONE day late. I sent it with plenty of time, pay my bill in full every month. The customer service rep could have cared less. His attitude put me over the edge. April 2, 2015
Rated 4 out of 5 by Great Way to Save Opened the account to have deposits go into a 529 plan. I think deposits should be made to the account on the same date every month regardless of how much was charged on the card. After the initial amount was attained to start making the deposits, I thought deposits would be made monthly. March 31, 2015
Rated 4 out of 5 by Love It I am so happy with my card that I have already gotten my brother and sister to get their own. I like being able to earn money for investing while spending money. The website is very easily to use and the customer service representatives are very helpful and friendly. I have nothing bad to say about this card whatsoever. I love it!!! March 30, 2015
Rated 4 out of 5 by Great value but horrible card services The value of this card is unsurpassed which is why I continue to use it. But it is frustrating when AmEx is not taken at so many places. I have been extremely frustrated by the card services, enough so that I'm considering changing cards from Fidelity altogether. I wait on hold for a really long time most times that I call, when there is fraud replacement cards are weeks in coming (when competitor cards come in a couple of business days), ordering cards for husband on my account also has taken weeks and we still haven't received it! It's like Fidelity isn't used to operating credit cards and is only making a small effort, whereas other credit card companies excel at be great at card services and that is a selling point. I would reconsider the business model. Even though there is great value in using this card, I'm extremely frustrated with card services every time I have a need to work with them. March 30, 2015
Rated 5 out of 5 by Make money with this card! First, pay off your balance every month. If you are not willing or not able to do this, don't read the rest of this review. If you pay it off every month, then make money paying your ordinary bills. Pay your cell phone, car insurance, homeowners insurance, utility bills, cable TV, life insurance, groceries, gas, (everything) with this card. Deposit the 2% into a 529 account for your kids, and depending on your State, you get a State tax deduction for that deposit! These people are VERY careful about unauthorized charges! They call to verify every time you are out of town, or have a significant amount to a new payee. It is a bit of a pain, but that is the price we pay in todays world. March 30, 2015
Rated 1 out of 5 by Customer Service is the worst ever I have had this card now for just a few weeks and am frustrated beyond belief. My card was locked due to "suspicious activity" - typical for new cards, however, it is impossible to get through on the 24/7/365 customer service line to try to get it unlocked. I have waited on hold for 45 minutes twice in the past 3 days before having to give up. They don't seem to care enough about their customers to answer the phone and thereby keep their customers from using the card. I will give them one more chance and if I wait like this again I will be shredding my card. Not worth the hassle. The 2% cash back is great if you can actually use the card and if you reach anyone there. March 29, 2015
Rated 2 out of 5 by I'm done. I have had this card for 4 or so years and in the last year the number of times I have been declined due to possible fraud has gone up 10x. I get that there are checks in the system to prevent fraud but I get declined for regular purchase activity every other month. On top of that if it were easy to validate the charges I would be totally fine answering a text or using an App but instead I have to call for 15 minutes each time, answer 6 security questions and then finally use my card again. Its just too much hassle. I would love to know if this is an AMEX issue, Fidelity or FIA Card Services. I need a simpler solution to use it as a primary card. March 27, 2015
Rated 1 out of 5 by The Hindenburg of Credit Cards The cash back is a great deal. The customer service is is a bit lacking in that you always need to talk to 2 different departments and the other one is always closed causing you to call back the next day. 2 major issues over the past two months: 1.) FIA was undergoing server maintenance when my payment was being processed. The payment was rejected and I was assessed a $25 fee for this. I called and go everything straightened out and the fee was returned. The customer service call was two days in the making. 2.) This months payment was made on the 20th with a due date of the 21st. I logged into my account the account was listed as overdue and a fee was assessed. Just got off the phone with a very helpful lady who did all she could but I will have to call back in the morning to get things sorted out. I'm Canceling it in the morning. March 26, 2015
Rated 1 out of 5 by Terrible customer service I got this card because the 'cash back' would help fund one of my Fidelity accounts. Ease of use has been average, no different than other cards. However, the customer service has been terrible: - I contacted them when an item ordered online proved to be defective. They wanted me to take the item (which had already been returned to the merchant) to another merchant to get written documentation of the defect! - they declined an in-person merchant charge. I called customer service to find out why, had to deal with the automated system that told me no live help was available and to call back later. I thought that problem was cleared up (based on statements from the automated system), but found out a week later that it was not. - a subsequent charge was declined, that's when I found out that their 'automated system' had been calling me to discuss the first problem. However, that 'automated system' never leaves a message, and nothing is sent by email or postal mail. I spent more than an 30 minutes on the phone, getting transferred between departments, to get the whole story. This is by far the worst customer experience in my 35+ years of credit card use, and it is certainly NOT what I'd expect from either American Express or Fidelity. I'll use another card with better customer support. March 26, 2015
Rated 1 out of 5 by poor customer service Exceedingly long wait times for customer service. My card was hacked after less than 6 months. Numerous attempts to reach a live person have been a waste of time. March 25, 2015
Rated 4 out of 5 by Secure I am happy with the Fidelity Rewards Card. I just wish more places accepted it. March 23, 2015
Rated 4 out of 5 by Nice Rewards Card What I like the most about the Fidelity Rewards American Express card is the 2% cash back on all purchases. Also nice that the rewards are automatically deposited in my Fidelity account when $50 worth of rewards are accumulated. There are a couple of things that could be improved: (1) Need auto payment option for card balance each month instead of having to go online and submit the request each month. (2) Would be nice if American Express was as widely accepted as VISA and Master Card. Would prefer if it were one of those. March 23, 2015
Rated 5 out of 5 by 2% can't be beat I have done very thorough research on different cards and which one's provide the most value. For Everyday purchases, this one trumps the rest. My only issue is that the partner-site you have to use to redeem the cash isn't exactly user-friendly. March 23, 2015
Rated 1 out of 5 by Fraud Lock on Account Sucks Well I've had this card for a two months now and I just got my first account lock for "suspicious" activity. My account was locked for making suspicious charges which were in my normal charge patterns close to my home. There were merchants I I regularly visit.j Customer "no service" was of little help. While they did lift the account hold, they were clueless as to why the account got locked or how to prevent it in the future. I'll give them one more chance but if I get another pointless lock like this, I'll revert to other rewards cards I have. March 22, 2015
Rated 3 out of 5 by Quicken Automatic Update I love this card but stopped using it because it lacks automatic updates in quicken. Yes you can manually download your statements to quicken, but i like the automatic update feature. I have called customer service a few time requesting this feature but to no avail. Hopefully this review will add "fuel to the fire". I currently use a $75 fee american express but the benefits trump the fee. 6% groceries 3% gas 1% other I do use my 2% fidelity card for large purchases such as vacations that i can wait and put in quicken March 19, 2015
Rated 1 out of 5 by Just horrible. Anyone who values their time and sanity would be wise to stay away from this card. Customer service is a nightmare. This card tarnishes the brands of two great companies -- Fidelity and American Express. Fidelity American Express fraud detection is a complete joke. We are declined all the time at places like the grocery store 2 miles from our home. We've even gotten declined for auto-pay bills. Since they don't contact us when they decline, we have to rely on the seller/payee to let us know. Numerous agonizing calls with fraud detection supervisors have done nothing to fix the situation. Hold times are extensive, so every issue can take an hour or more of your time. Good luck taking advantage of features that should come with your American Express card. You simply can't get a year-end statement through the website (functionality has been temporarily unavailable for over a year). A lengthy phone request for one to be mailed resulted in us receiving a screen printout of a single month of activity. Learn from our mistake and get another card. March 18, 2015
Rated 5 out of 5 by What's not to love You get 2% cash back on everything you buy. No complicated points scheme, just cash going directly into fidelity accounts. I haven't found a better deal anywhere. March 17, 2015
Rated 1 out of 5 by problems A lot of places will still not accept the amex card. Getting the 2% back is not easy or automatic as far as I have been able to determine. March 17, 2015
Rated 5 out of 5 by Slick I find that using the card is easy and seem less . March 16, 2015
Rated 4 out of 5 by Am-ex So far I have not had a chance to use it very much. As time goes on I will use it more. March 16, 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.