Fidelity^® Rewards Visa Signature^® Credit CardAdding trusted family and friends to your credit card account

Frequently asked questions

• Why am I receiving separate cards with different card numbers?
  • Going forward, each card on your account will have a unique card number. This allows you to share your line of credit, access new account management tools, and establish spend limits on authorized users.
• When will my new authorized user or joint owner card arrive?
  • New cards for authorized users and joint owners are shipped to the primary mailing address on your account 7-10 business days after you've submitted a request.
• I am a primary owner who already has additional users. Can we keep using our previous cards with matching card numbers?
  • Your current card will continue to work until its expiration date, or until you've requested a replacement card in the case of fraud or a lost/stolen card, whichever comes first.
  • Once this occurs, your previous card - as well as the cards with a matching card number - will no longer work. Going forward, each card issued to an authorized user or joint owner will have a unique card number.
• Who can I add as an additional user?
  • You may add anyone 13 or older as an Authorized User, and anyone 18 or older as a Joint Owner. Authorized Users can be added or removed from an account at any time. They can make purchases but do not have digital access to the account or transactions. Joint Owners have the same access as the Account Owner, they will receive statements at the account mailing address on file and share financial responsibility for paying any existing and new balances. Joint Owners cannot be removed from an account once added.
• Can I view past transactions by user?
  • Going forward, make sure your added users activate and use their new cards to be able to view transactions by user.
  • Older transactions that occurred prior to receiving and using your updated authorized user or joint owner cards might not show a name or card info in the "User" column.
• Why are my name and card details missing from some old transactions?
  • Some older transactions might not show your name or card info in the "User" column.
  • For older purchases, the system might not list your details. We've made changes so that now everyone on the account has a unique card number.
• What is a spend limit?
  • A spend limit allows the account owner to control how much an Authorized User can spend, up to the account's overall credit limit.
  • The account owner can add, change, or delete a spend limit on each Authorized User's card. To add, change, or delete a spend limit: Select Card management at the top of the page, then Manage users. Then, select either Add a new user or the user's name. Complete the Spend controls section by turning on or off the spend limit option.
• Why did my authorized user's purchase not reduce the available spend balance?
  • If your authorized user made a purchase at the end of a spend cycle, but the transaction posted in the new cycle, the available spend balance will not be affected. Some purchases may take a few days to post to the account.
  • The authorized user can exceed their spend limit in the same billing cycle if a transaction posts for more than the authorized amount. For example, imagine that a hotel authorized $100 at check-in but at check-out charged an additional $20 room fee. The $120 transaction would still process even if they already reached their spend limit.
• Why is my authorized user's spend limit negative?
  • The spend limit may appear negative if the authorized user had a transaction post that was larger than the pending or authorized amount.
  • For example, imagine that a restaurant authorized $50 for your meal, but the $10 tip wasn't included until the transaction was complete. In this case, the $60 transaction would apply towards their available balance and may cause their spend limit to be negative if they were close to their limit.