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Fidelity® Investment Rewards®
Visa Signature® Card

Our Visa Signature® credit card lets you deposit cash-back rewards into your designated eligible Fidelity account. The more you purchase, the more you earn.

Earn up to 2% cash back towards your Fidelity account

Apply online or by phone. When applying by phone, reference priority code: VABYFH

Product details


Earn 1.5 points for each $1 spent on the first $15,000 in purchases per year, and 2 points per $1 in purchases made thereafter.1

Every 5,000 points can be converted into a $50 deposit into your eligible Fidelity account.2

Maximize your rewards by using your card for everyday purchases or by charging recurring monthly expenses such as utilities, mobile phone bills, and membership fees.3

Link to Fidelity 

Deposit rewards into the eligible Fidelity account of your choice, including your:

  • Cash Management Account
  • Brokerage account
  • Fidelity-managed 529 account
  • Individual retirement account

Designate up to five eligible Fidelity accounts to deposit rewards. Family members can also link their Fidelity Rewards cards to your eligible Fidelity account.

Additional card 
  • No limits on rewards2
  • No annual fee4
  • Travel and emergency assistance services

Next step

or call 866-598-4971.
Reference priority code:

Additional resources

Rated 4.1 out of 5 by 652 reviewers.
Rated 5 out of 5 by The only card I use I have used this card nearly exclusively since 2009. I use it for all purchases and have monthly bills such as gas, electric, etc. automatically charge to it. I only have to make one payment per month to take care of most expenses, and I earn over $500 per year in cash rewards to my brokerage account. No hoops to jump through. October 23, 2013
Rated 5 out of 5 by Rewards Are As Advertised 1.5% cash back on first $15K/year, then 2% -- automatically credited to your brokerage account on a monthly basis if reward due is $50+. Does what it says is does -- no problems, no hassles. July 8, 2013
Rated 5 out of 5 by Best in the business I've used many (too many, perhaps) cards over the years, seeking the best combination of value and service. The Investment Rewards card is the best card available. To qualify for the card, I had to open a Fidelity account in order to link it with my rebate. I have been very happy with every contact I've had with Fidelity Brokerage and am glad to be a Fidelity client. June 24, 2013
Rated 5 out of 5 by very secure I forgot to call Fidelity before taking an unusual road trip which included many charges different frfom my usual pattern. They had a store check my ID and when I didn't call they told another business my card was out of date. When I contacted them to ask about the problem their response was that they wanted to be sure it was me. I appreciated their reviewing the use of the card. March 28, 2013
Rated 5 out of 5 by Great cash back I like this card bc it is accepted everywhere and is the best cash back card of them all, assuming u have a Fidelity account. I don't have to spend the rewards on travel or whatever; I get cash to invest or spend as I wish. I linked it to my Fidelity money market account which has bill pay. I spend a lot with it so I get lots of cash rewards. There are no games, just a very simple cash back algorithm. Highly recommended! March 23, 2013
Rated 5 out of 5 by Best Rewards Program The Fidelity Credit card has the best rewards program of any cards I've seen. There are no gimmicks (like "this month get up to 5% off certain items") nor low limits. It simply pays cash into your Fidelity account at set rates. March 19, 2013
Rated 5 out of 5 by Safe and Secure! I feel confident when using my Fidelity VISA as I know that Fidelity has systems in place to monitor my usage for potential fraud issues. I love having the rewards go into my Fidelity account automatically! March 18, 2013
Rated 5 out of 5 by Best Card I Have Ever Used. I have had the Fidelity Visa card for about one year. It was very easy to obtain and easy to use as well as accepted everywhere. I have had other credit cards with other banks but none compare to the ease of use and payment of charges like the Fidelity Visa. In fact I have talked three of my co-workers in to applying and obtaiing the Fidelity Visa. The rewards just keep adding up as I use my card for purchases for travel and daily activities. I really have not had a better credit card in the 30 plus years I have used credit cards. March 18, 2013
Rated 5 out of 5 by Great way to secure rewards and direct them back into investments. No annual fee, great web managment tools, ease of use for redeeming points for goods or cash or to direct back into my Fidelity account. What could be better. A good 'no brainer'! On-line and phone-in customer services is always top notch with issues resolved in a single call. I feel like I am treated as an individual and my concern is their concern. Fidelity has a great customer service ethos! December 27, 2011
Rated 5 out of 5 by Never use checks or debit again Since changing the status of my Fidelity Visa card to a reward card, I no longer use checks or debit for gas and groceries. In addition all large purchases, car repair, major appliances, even car purchases are now made with my Fidelity Visa and paid off on the month due. If need be use a Home Equity Line of Credit to pay off the balance of the Visa and maintain a lower interest charge on the that account. I will be eager to see how this continues to add funding to my Fidelity Investment Accounts as this is the first year to have changed my Visa to a rewards account. December 27, 2011
Rated 3 out of 5 by High Foreign Transaction Fees Good card for local purchases, but international charges get hit with a 2-3% foreign transaction fee. April 13, 2014
Rated 1 out of 5 by Beware! When an internet vendor sent me the wrong size mats for my car, Fidelity refused to assist me in any way to obtain a refund. Fidelity provides no fraud protection whatsoever! March 18, 2014
Rated 5 out of 5 by 2% Cash Back ????? How can one possibly receive 2% cash back when the reward on the first $15,000.00 is limited to 1.5%? February 28, 2014
Rated 4 out of 5 by Unable to download transactions daily into Quicken I was disappointed when I found that I do not get the daily transactions downloaded into Quicken each day. Before signing on I was lead to believe by a representative that I could get the daily transactions on a daily basis. I have this capability with a MasterCard issued by another financial institution and it is extremely convenient and helpful. I am hopeful that Fidelity will soon make this available for the VISA signature credit card. February 13, 2014
Rated 1 out of 5 by Dropping VISA card due to Identity Theft Security Risk My information was compromised through the Target breach. It was later sold online to thieves. They attempted to take over my card account by calling FIA card svcs, telling them they forgot their password, and providing my mother's maiden name and last 4 of social security number. I don't know where they got that info. They changed the email address and billing address. They ordered a $900 machine from an internet website. Luckily we found out the next day when our card was rejected due to suspected fraudulent activity. My problem with FIA card services is that they do not have anti-fraud measures on Fidelity VISA cards to notify existing email, phone, text numbers that account info was changed. Every other card and financial site I use has this protection. What if the thief ordered several smaller purchases on Amazon that stayed under the radar or we were out of town or the country? This level of identity theft protection is completely unacceptable. Fidelity would never stand for this with their brokerage website and they should not have their name on affiliate cards with insufficient security protection. The Fidelity AMEX card DOES have identity theft alerts. Fidelity VISA Cardholders BEWARE!!!!!!!!!!!! January 24, 2014
Rated 2 out of 5 by Ultimately not worth the extra effort This card does not provide the capability to download ongoing transactions into Quicken. Nearly everything goes through my credit card -- it's a great way of keeping track of all of my expenses -- then I pay it off at the end of the month. Without periodic download into Quicken, If I use the Fidelity® Investment Rewards® Visa Signature® Card, I need to manually enter each transaction in order to keep current. This works out to 50 or so transactions in a month. The base 1.5% bonus is now available elsewhere, so I have stopped using this card. December 26, 2013
Rated 3 out of 5 by NO QUICKEN DOWNLOAD OF CURRENT TRANSACTIONS CAUTION!!! People who like to download their CURRENT transactions - Fidelity DOES NOT have this feature set up on this card. Apparently you can ONLY do a Web Connect once a statement has been created. Because of this Fidelity Investments Rewards Visa gets only ONE STAR for customer service from me - this is POOR and nearly UNACCEPTABLE. October 25, 2013
Rated 1 out of 5 by NOT 2% Cash Back I've been a Fidelity Account holder for years. I have always trusted Fidelity with my life savings and their advice and consul on all things financial. When I saw their ad for a 2% cash back VISA credit card I applied for it and started using it immediately. I accepted the 2% cash back statement at its face value. But, when I submitted my request for the cash, I only got 1% CASH back against the points that I had accumulated. I fully understand that I get credited with 1.5 POINTS for the first $15,000 of charges, and 2 POINTS for all purchases after that for the remainder of the 12 month cycle above and beyond the $15,000 with no limit. But the fine print states that you only get 1% back if you request cash credited directly to your Fidelity Account. I believe that Fidelity should make it clearer in their ad for this credit card that you only get 1% cash back for you points. There is a brief statement as part of the existing ad that shows an example of $5,000 yielding you $50 cash which I had not noticed when I first saw the ad. And yes, that is 1%. Why do they still say that you will get 2% CASH BACK? September 11, 2013
Rated 5 out of 5 by Great Card - could be even better This is an excellent card. Accepted everywhere. One thing to make it better would be to waive any international transaction fees similar to other Visa Premier Customer cards. August 26, 2013
Rated 5 out of 5 by Great Benefits for credit card use This card gives back 2% and directly deposits into my Fidelity Brockerage account every $50. Seems too easy but it is and best of all it all happens automatically! Thanks Fidelity! July 6, 2013
Rated 5 out of 5 by So Far So Good Have only had it a couple of months and have not detected any issues accessing the account information or making payments. June 27, 2013
Rated 5 out of 5 by great, responsive customer service I have never been this satisfied with a credit card. June 26, 2013
Rated 2 out of 5 by Secure and reliable No one at FIA seems able to explain how to redeem Points. Would I recommend? I will answer yes but more likely "maybe". Please advise As to how long I have had a Fidelity Account it has been about twenty years. Left for a period of two years to see if I could do better. June 24, 2013
Rated 5 out of 5 by Great Benefits Convenient to use, accepted everywhere, never had a problem. June 24, 2013
Rated 5 out of 5 by Happy Overall very happy with both the fidelity visa and Amex cards! June 24, 2013
Rated 4 out of 5 by Great card could be better Love this card and find it to be high value. I find the payment terms much easier to accomodate than other cards and use it more because of that fact. If this card had no foreign transaction fees, it would be my only card June 24, 2013
Rated 3 out of 5 by Misleading and Hidden Fee The card is advertised as 2% cash back and no annual fee. In fact it has a built-in $75 annual fee since you only get 1.5% back on the first $15,000.00. June 24, 2013
Rated 4 out of 5 by Best Visa available You can get "up to" 2%, but only after exceeding a certain amount. Fidelity's AmEx is 2%. Period. No min amount to charge per year, so I consider that the best. But I rank this second best. June 24, 2013
Rated 5 out of 5 by Great Card Easy to use. The statements are easy to follow. I would recommend it. June 24, 2013
Rated 4 out of 5 by No issues Very happy with my return compared to other cards I have held. June 24, 2013
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Or apply by phone

Reference priority code: VABYFH

1. You will earn 1.5 points per dollar on the first $15,000 in net retail purchases per year, and 2 points per dollar thereafter. Credits, returns, adjustments, and certain transactions do not earn points. The 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. 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.
2. Eligible registrations include all non-retirement 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.
3. Certain restrictions apply to each benefit. Details accompany new account materials.
4. For information about the rates, fees, other costs, and benefits associated with the use of this credit card, or to apply, click on an Apply Online link above and refer to the disclosures accompanying the online credit card application, or call FIA Card Services toll-free at 866-598-4971. This credit card program is issued and administered by FIA Card Services, N.A., which is not an affiliate of Fidelity Investments.
Visa Signature is a registered trademark of Visa International Service Association, and is used by the issuer pursuant to license from Visa U.S.A., Inc. Investment Rewards is a registered trademark of FIA Card Services, N.A.
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.