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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 679 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 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
Rated 3 out of 5 by Investment rewards Visa Just one BIG problem. I signed up for paperless statements with email notification and there is no email notification. Thus I missed a payment. Every other account I have provides email notification. I was told that service is not yet available. Then don't advertise that it is. October 30, 2014
Rated 4 out of 5 by Decent rewards but no apple Pay yet As of 10/21/14 no suppport for Apply Pay. Not sure if this is a FIA card services issue or a Fidelity issue. Not a hughe issue but kind of inconvenient to use my backup card for all Apple Pay transactions. October 21, 2014
Rated 4 out of 5 by Only one problem so far... The credit card seems fine, and I appreciate the fact that the reward system is stable, no bouncing "specials" every month to keep track of. However, I ended up getting a late payment fee tacked to my card accounts because the automatic payments I scheduled on the website apparently didn't go through the first time I scheduled them. So payments on two card accounts were late and I got hit with both interest and late fees. Not happy about that to be honest. You need to make sure the website entries actually go through, and go through quickly. October 14, 2014
Rated 3 out of 5 by Fee Traps for the Unwary Decent reward cash back. I use the card for recurring bills like utilities, insurance, etc. Like getting a 1.5 % discount. However, I suggest requesting an auto payment option through your Fidelity account. For now, you have to call FIAA card services, have them mail you the form and mail it back. Missing a timely payment could erode all benefits, even cost you in fees October 10, 2014
Rated 2 out of 5 by Expenditures Unlike my other credit cards, this one does not notify me, by email, when there has been an expenditure using the card. May cancel if this is not changed. September 24, 2014
Rated 4 out of 5 by Overall, a sound choice My wife and I switched to this card about a year ago and, overll, are pretty pleased with it. We use our cards a great deal as we find that it makes tracking where our spending goes much easier than cash. That caused some problems at first; they "froze" our card a couple of times being a bit over-zealous with their security, but, hey, I'll take that over the alternative! Have also had some recent issues with tracking activity on Full View, but that seem to finally be resolved. One thing I do question, and it is not exclusive to this card by any means, is the foreign transaction fees. We went to Bonaire recently, where the US dollar is the currency, but still got charged the fee. Look, if you had to convert currency, I could understand the fee. So if I go to the US Vrgin islands I get that fee? When I called customer service to try to get an explanation, I got none...just a "that's just the way it is" answer. September 12, 2014
Rated 4 out of 5 by Great Rewards program This card has a great rewards program and customer service is wonderful. The only issue is the foreign transaction fee. I am not able to use this card on my international trips as this fee is not acceptable. If this was changed, this card would receive 5 stars. September 2, 2014
Rated 4 out of 5 by Needs a mobile app Love our Fidelity Investment Rewards Visa Sig card! The only caveat is there is no mobile app. Please get a mobile app to improve ease with making payments and access to rewards/benefits. August 5, 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.
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.