Important legal information about the email you will be sending. By using this service, you agree to input your real email address and only send it to people you know. It is a violation of law in some jurisdictions to falsely identify yourself in an email. All information you provide will be used by Fidelity solely for the purpose of sending the email on your behalf. The subject line of the email you send will be "Fidelity.com: "
Anyone who resides in the United States and is 18 years or older may apply for a Fidelity Rewards Credit Card, but to receive the Fidelity Rewards benefits as a contribution to a Fidelity account, you must link your card to an open and funded Fidelity account. FIA Card Services, N.A. reviews all applications. Minors, corporations, funded eligible Fidelity account partnerships, and trusts cannot participate. Fidelity is not involved with credit card qualification decisions and cannot guarantee that any existing Fidelity customer will be eligible for this card.
FIA Card Services, N.A. is the issuer and administrator of the Fidelity American Express® and Visa® credit card programs. FIA Card Services, N.A. is not an affiliate of Fidelity, but Fidelity has worked with them to offer this credit card program to our customers. If you are an existing card member and have questions about your card, please call FIA Card Services, N.A. at 877-811-7088.
If you have a Fidelity Rewards Credit Card you can continue to enjoy the features and benefits associated with that card. If you would like information about rates, fees, other costs and benefits, or to apply for a new Fidelity Rewards American Express® Card or Visa® card, please fill out the appropriate online application or call an FIA Card Services representative at 800-551-0839.
Here are some things to keep in mind if you want to deposit your Fidelity Rewards into these accounts:
Fidelity American Express® Card members earn 2 points for every $1 spent in net retail purchases.
Fidelity Visa Signature® cardholders earn 1.5 points for every $1 spent on the first $15,000 in net retail purchases per year, and 2 points per $1 thereafter.
Net retail purchases are defined as purchases less credits, returns, and adjustments.
Transactions that do not earn rewards points include:
Fidelity American Express® Card members earn 2 points for every $1 spent in net retail purchases. Fidelity Visa cardholders earn 1.5 points for every $1 spent on the first $15,000 in net retail purchases per year, and 2 points per $1 thereafter. Customers can choose to have their points automatically redeemed for cash into their eligible Fidelity account, or choose to accrue points and redeem them on demand at any time. Customers must earn a minimum of 5,000 points to have them redeemed into a Fidelity account. Once you have reached 5,000 points, they can be converted at a rate of 1% (1 point = $0.01) into the eligible Fidelity account you designate. Deposits will be sent via the Automated Clearing House (ACH) Network into your designated Fidelity account.
Automatic Redemption Setup
Customers may set up their account for automatic redemption by designating an eligible account at the time of application, or after the card account is opened by selecting the Fidelity Rewards banner at www.fiacardservices.com. At the end of each month, if you have reached the 5,000 point minimum, FIA Card Services, N.A. will automatically convert your points to the equivalent dollar amount and deposit that amount through the ACH network into your designated Fidelity account.
On Demand Redemptions
If you do not want your points automatically deposited into your Fidelity account, you can choose to accrue points continuously and redeem them at any time you choose once you have reached the 5,000 point minimum. To do this, follow the instructions below.
All Fidelity nonretirement, Fidelity IRA, and Fidelity-managed 529 plan accounts that accept Automated Clearing House (ACH) deposits are eligible for a rewards deposit. If you intend to deposit points in an eligible account, it is your responsibility to ensure that the account is one for which contributions on your behalf can be accepted and that, under applicable tax law, you are eligible to make contributions to that account for the year that the deposit is made. Refer to the applicable Fidelity account Customer Agreement, Custodial Agreement, or Participation Agreement for information on the terms and conditions of the Fidelity account.
If you choose to redeem your points for items from the WorldPoints® catalog, options begin at 2,500 points. If you choose to redeem points for cash back into an eligible Fidelity account you must have a minimum of 5,000 points.
Yes, you can choose to redeem your points for travel with no blackout dates, gift certificates, or other items. Visit www.fiacardservices.com, and select the Rewards tab for a complete listing of redemption options.
The monthly Fidelity Rewards credit card statement that you receive from FIA Card Services, N.A. shows how many points you have earned for each billing period. You can also access key credit card information at Fidelity.com as well as on your statement or online at www.fiacardservices.com.
No, rewards points have no independent cash value unless converted into a cash deposit. If you cancel your card, all remaining rewards points will be forfeited.
There are no caps to the amount of points you can earn or redeem.
Your points will expire after five years.
No, the rewards points earned through this program are not affiliated with the American Express Membership Rewards® program.
No, you can only earn rewards points on net retail purchases.
No, your card must be linked to a previously opened and currently funded Fidelity account in order to deposit rewards into a Fidelity account. If your account is not adequately funded, the rewards points will not transfer into the account. Minimum investment requirements vary by account type.
Points redeemed as a cash contribution into a Fidelity account will be deposited into the core position of your brokerage, Fidelity® Cash Management Account, or Fidelity IRA account.
If you are depositing into a Fidelity-managed 529 account, it will be deposited at the closing day market price on the day the funds are transferred into your Fidelity account. They are invested according to the standing allocation instructions on the designated account.
Yes, one of the benefits of this card is that you can direct your rewards points to a friend or family member’s Fidelity-managed 529 plan account. Friends and family members can also link their 529 College Rewards Cards to your account. Simply supply the 529 account number you would like your rewards points credited to at the time of application or online at www.fiacardservices.com.
If you do not have an existing account at Fidelity, you may also open the Fidelity Account®, our full service brokerage account for trading and investing. Choose one of these options to get started: