When it comes to credit card rewards, we think cash is rewarding enough. That's why we offer 2% cash back1 through everyday spending with no annual fee. Your only decision: take the cash or invest toward your goals in any eligible Fidelity account.
2% cash back
And not just on groceries or gas. You earn cash rewards for every eligible net dollar you spend.
Deposit your rewards1,3 into one or multiple accounts. You can even fund a loved one's account. Eligible accounts4 are:
• Brokerage account
• Fidelity® Cash Management Account
• Fidelity-managed 529 College Savings plan
• Retirement account
• Fidelity Go® account
• Fidelity Charitable® Giving Account®
• Fidelity HSA®
No annual fees
You don't have to pay just to carry the card.
Make purchases with your mobile phone
Digital-wallet enabled for Apple Pay®.
Zero fraud liability5
You won't be responsible for charges you didn't authorize.
Merchandise, travel, gift cards, and more
If you want rewards other than cash, we have plenty of those too.
Make every day a rewarding one
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.
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).
Elan Financial Services provides zero fraud liability for unauthorized transactions. Cardmember must notify Elan Financial Services promptly of any unauthorized use. Certain conditions and limitations may apply.
The creditor and issuer of this card is Elan Financial Services, pursuant to a license from Visa U.S.A. Inc.