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:
Cash Management Solutions
Fidelity Cash Management Solutions provides an alternative for individuals seeking FDIC insurance and gives you the power to manage your cash and spending alongside your investments. Plus, earn unlimited 2% cash-back1 on everyday purchases with the Fidelity® Rewards Visa Signature® Card.
A better way to save and spend
This convenient way to save, spend, and manage your cash has the features of a traditional checking account, without a bank.
- No account fees or minimum balances
- ATM fees reimbursed2
- Free debit card, checkwriting, and billpay
- FDIC insurance eligibility3
- Convenient mobile check deposit
Fidelity® Cash Management Account vs. Your Bank (1:13)
See how you can save and earn money in ways you can't with a traditional bank.
The card that helps you fund your fun today and invest in your tomorrow with unlimited 2% cash back into any eligible Fidelity account.4
- 2 Points for every eligible net $1 spent1
- No limits on rewards and Points will not expire1
- No annual fee
- Enhanced fraud monitoring and EMV chip technology
- Digital Wallet with option of Apple Pay®, Google PayTM, Samsung Pay, and Microsoft Wallet
Make Every Day a Rewarding One (1:10)
Watch this short video to find out how getting cash back on everyday purchases1 can quickly add up.
We may change APRs, fees, and other Account terms in the future based on your experience with Elan Financial Services and its affiliates as provided under the Cardmember Agreement and applicable law.
You will earn 2 Points per dollar in eligible net purchases (net purchases are purchases minus credits and returns) that you charge. Account must be open and in good standing to earn and redeem rewards and benefits. Upon approval, refer to your Program Rules for additional information. You may not redeem Reward Points, and you will immediately lose all of your Reward Points, if your Account is closed to future transactions (including, but not limited to, due to Program misuse, failure to pay, bankruptcy, or death). Reward Points will not expire as long as your Account remains open. Certain transactions are not eligible for Reward Points, including Advances (as defined in the Agreement, including wire transfers, travelers checks, money orders, foreign cash transactions, betting transactions, lottery tickets and ATM disbursements), Annual Fee, convenience checks, balance transfers, unauthorized or fraudulent charges, overdraft advances, interest charges, fees, credit insurance charges, transactions to fund certain prepaid card products, U.S. Mint purchases, or transactions to purchase cash convertible items. The 2% cash back 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 such as travel options, merchandise, gift cards, and/or statement credit. Other restrictions apply. Full details appear in the Program Rules 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.
Your account will automatically be reimbursed for all ATM fees charged by other institutions while using a Fidelity® Debit Card linked to your Fidelity Cash Management Account at any ATM displaying the Visa®, Plus®, or Star® logos. The reimbursement will be credited to the account the same day the ATM fee is debited from the account. Please note that there may be a foreign transaction fee of 1% that is not waived, which will be included in the amount charged to your account. The Fidelity® Debit Card is issued by PNC Bank, N.A., and the debit card program is administered by BNY Mellon Investment Servicing Trust Company. These entities are not affiliated with each other or with Fidelity Investments. Visa is a registered trademark of Visa International Service Association, and is used by PNC Bank pursuant to a license from Visa U.S.A. Inc.
Eligible accounts include most nonretirement registrations as well as Traditional IRA, Roth IRA, Rollover IRA, SEP IRA, Fidelity Charitable® Giving Account®, Fidelity HSA®, and Fidelity®-managed 529 College Savings Plan accounts. 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. Contributions to Fidelity Charitable® are generally eligible for a federal income tax charitable deduction. Please consult with your tax advisor. The list of eligible registration types may change without notice at Fidelity’s sole discretion. For more information about whether a particular registration is eligible, please call 1-800-FIDELITY (800-343-3548).
From MONEY®, May 3, 2018 © 2018 Time Inc. Used under license. MONEY® and Time Inc. are not affiliated with, and do not endorse products or services of, Fidelity Investments.
Apple and the Apple logo are trademarks of Apple Inc., registered in the U.S. and other countries. Apple Pay is a trademark of Apple Inc.
Google, Google Pay and the Google Logo are trademarks of Google LLC.
©2018 Samsung Pay is a registered trademark of Samsung Electronics Co., Ltd. Use only in accordance with law.