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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: VACARO

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:

  • Fidelity® 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 fee
  • Travel and emergency assistance services
See our pricing and program benefits before applying.

Next step

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

Additional resources

Rated 4.1 out of 5 by 687 reviewers.
Rated 5 out of 5 by easy to use simplicity and high cash back rewards. one bonus is the "shopsafe" program. you can generate a new card number for online purchases, tied to your regular card. but unlike other "online card" generators that i tried, this one also lets you set a max charge limit as well! so for places that "require" a credit card on file (e.g. google play and xbox live come to mind), you can give them a live card and set the limit to $1 (you can always then use an alternate card/number for "real" purchases at those sites). the only minor issue that i had was when their website went down -- impossible to get any real information over the phone for things like when their site would be back up December 31, 2014
Rated 5 out of 5 by Good rewards I have had the Visa signature card for 2 years now and charge all our expenses to it. We get back about $500-700 per year. I like the fact that we dont have to keep track of any promotions. I have never had any problems with the card being declined for big purchases and recently when I was 2 days late for a payment they also waived the late fee December 4, 2014
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 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 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 1 out of 5 by Terrible FIA card services blocks most transactions that are in the city in which I live. These has happened repeatedly. The customer service agent at FIA told me that I need to "call to report my travel agenda before making any trips to insure that the card can be used." It is completely ridiculous for a credit card company to expect a customer to call in to report the travel itineary. June 22, 2015
Rated 1 out of 5 by WORST Customer Service!!! I have been a Fidelity member for nearly 30 years. While I like the concept of the FIdelity rewards credit card, the card service company (FIA Card Services) has the WORST customer service of any credit card company. The routinely cut off the card and don't make any effort to contact the user. They constantly replace the cards with new cards and account numbers which is very inconvenient. The card does not allow you to receive notification when the card is used. They don't support Apple Pay. Bottom Line: Unless you are willing to put up with terrible customer service....stay away!! I am going to look to move my accounts to another Brokerage company that cares about customer service. June 22, 2015
Rated 5 out of 5 by The card is great! I have had this card for over a year and it does everything I was promised! VISA is accepted everywhere so I use whenever I get a chance. The customer service was wonderful when I thought I had a problem, but as usual, it was my fault but they were very diplomatic when explaining my mistake. Keep up the good work. June 1, 2015
Rated 1 out of 5 by Not so great anymore- Will be cancelling I've had this card for 15 plus years and used it exclusively as my only credit card. Now in the last two months- multiple charges at grocery stores and restaurants have been declined for suspicious fraud activity. This is very embarrassing and humiliating when this happens. IF FIDELITY SHUTS MY CARD OFF WHY DON'T THEY CALL ME TO CHECK OUT THE SITUATION INSTEAD OF PUTTING ME THROUGH THIS. I have no choice now but to cancel this card as I don't want this to keep happening. May 20, 2015
Rated 1 out of 5 by Foreign Transactions Use outside of the USA is abyssmal & repeatedly so. Examples on multiple trips include: 1. ATM machines gobble it up & calls to credit card issuer are worthless; 2. we left it home by mistake, requested a replacement which arrived quickly, but it could not be used because no PIN was issued with it & could not be issued until we returned. What was the point of sending it to us?; 3. when difficulties with using it for purchases arise, assistance is not helpful. This card is not administered by Fidelity & is not comparable to other services offered by Fidelity. When the problems were discussed with a Fidelity representative, the reply was basically, "this is a service we offer & it isn't really operated by Fidelity, so don't look to Fidelity to solve problems with it". That's hard to understand when the card has "Fidelity" stated prominently on it. May 16, 2015
Rated 4 out of 5 by It helped me to start build my credit history It helped me to start build my credit history with other benifits, very happy May 15, 2015
Rated 5 out of 5 by Great rewards Great rewards on all purchases redeemable as cash right to my cash management account. It doesn't get much easier than that. April 6, 2015
Rated 4 out of 5 by Good card for everyday use I love the Fidelity Visa card as it is accepted everywhere and the rewards are simple. I use it for most purchases and would definitely recommend it to everyone. I wish however that it could match the Amex card in terms of rewards and it would waive foreign transaction fees. If the foreign transaction fees were to be waived, the Fidelity Visa card would be unparalleled in power and would no longer use my other cards. April 1, 2015
Rated 1 out of 5 by BIG BUMMER Hope you don't have a problem with this outfit. You are not likely to get any problem fixed. I have spent hours trying to get online access for my account to no avail. I have been locked out for weeks despite numerous calls to service reps that go through the same scripts with no success. They won't even send me an email of my account statement. I had to pay the balance without even seeing what has been charged to my account! Take my advice - use another card. March 13, 2015
Rated 4 out of 5 by king Card is accepted everywhere and easy to use. I do not like the fact that I can not download into Quicken? March 12, 2015
Rated 3 out of 5 by Ehhh It's nice having no-interest on balance transfers, but the interest rate is WAY too high. March 2, 2015
Rated 5 out of 5 by My Fidelity Visa card 1.5% back in rewards can't be beat by any other Visa cards March 2, 2015
Rated 5 out of 5 by Secure and reliable I value the the convinience of one stop and shop. In one screen shot I have all my investiment, checking account and credit cards. This was the main reason I've chosen to close any other accounts I had anywhere else. February 23, 2015
Rated 5 out of 5 by great rewards This card has great rewards. It's so nice that they automatically sweep each month into my Fidelity account. And the 2% rate just can't be beat! February 10, 2015
Rated 3 out of 5 by Lacks easy payment and alerts FIA Card Services does not provide for account alerts. This is unacceptable in this day and age. In addition, even from my fidelity account payments can take up to five days to post. February 4, 2015
Rated 5 out of 5 by Great Card I have had my current VISA Signature card for 4 years and a prior one for 5 years. The first one was cancelled and replaced when FIA Cardservices detected illegal activity. They notified me of the problem, cancelled my card and issued a new one. Makes you feel secure. I use the card for everything I can except gas because I get a greater reward on another card. The rewards automatically go to my Fidelity account. I get about $1000 a year back. January 28, 2015
Rated 5 out of 5 by Best Card only problem is that is doesn't support Apple Pay. I am surprised because Fidelity has always pushed the envelope on technology. January 26, 2015
Rated 2 out of 5 by Almost Great I love the 2% cash back, however, I had a couple of problems with the card. I track my everyday purchases with Quicken. This card does not allow automatic download into quicken as part of the one step update, so that was a problem. I remember all of my transactions for a week, but it is difficult for me to remember them for 5 weeks, so it was very difficult for me to reconcile and categorize my purchases. Also the secure nature of the website prevented my password manager from working properly. I had to keep the password set to something relatively simple and easy to guess so that I could remember it. Because of this, I never really felt good about the security of my account. I stopped using the card and allowed it to be cancelled. I would love to go back to it, if they could get the above problems fixed. January 23, 2015
Rated 5 out of 5 by Convenience & Cash Back I appreciate not having to worry about whether the card will be accepted or not. When I use the card out of town, it is not suspended automatically as with other cards. I prefer not to pay an annual fee and this card doesn't have one. Finally, the rewards program is pretty competitive, especially if the points are redeemed into a Fidelity Cash Management Account. January 14, 2015
Rated 1 out of 5 by Frequent purchase denials and account locks This is a very poorly run Visa card. Despite paying balance in full every month for the last year, I have had several instances in the last 30 days where Internet and point of sale purchases were denied for unexplained fraud reasons. Calling the 800 number is very taxing, with numerous confidential questions being repeatedly asked by people with poor English. This card is an embarrassment to Fidelity., December 14, 2014
Rated 4 out of 5 by Improvement requested I'd like to be able to download my YTD transactions to XL or CSV sheet. Currently need to as 1 month at a time. Would like for both my VISA and AmX transaction. If you have that capability, please tell me how to input a date range. Thank you November 4, 2014
Rated 2 out of 5 by Disappointed I like the cash back but I am disappointed that I cannot pay you through a simple autopay process like almost every other credit card and company out there. October 30, 2014
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Or apply by phone

Reference priority code: VACARO

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.
This credit card program is issued and administered by FIA Card Services, 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 and/or its affiliates.