1. You will earn 2 points per dollar in net purchases (purchases minus credits and returns) that you charge. Credits, returns, adjustments, and certain transactions do not earn points. The 2% 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 a 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.
2. The APR may vary, and as of 05/13/16 the variable APR for Purchases and Balance Transfers is 14.24%. The variable APR for Cash Advances is 24.24%. Cash Advance fee: 3% of each advance amount, $5 minimum. Convenience Check fee: 3% of each check amount, $5 minimum, Cash Equivalent fee: 3% of each cash amount, $10 minimum. Balance Transfer fee: 3% of each transfer amount, $5 minimum. There is a $2 minimum interest charge where interest is due. The annual fee is $0. Foreign Transaction fee: 1% of each foreign purchase transaction or foreign ATM advance transaction in U.S. Dollars. 1% of each foreign purchase transaction or foreign ATM advance transaction in a Foreign Currency. 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.
The creditor and issuer of the Fidelity Rewards Visa Signature Card is Elan Financial Services, pursuant to a license from Visa U.S.A. Inc.
Fidelity and Elan Financial Services are separate companies.
Expense ratio information as of July 1, 2016 for Fidelity: June 28, 2016 for Vanguard.
Premium share class. $10,000 minimum investment. (FUSVX; FSTVX).
IMPORTANT FEE INFORMATION: Certain of Fidelity’s stock and bond index mutual funds have max short-term redemption fees of up to 1.5% for eligible shares held less than a maximum of 90 days. Fidelity may deduct a small-balance maintenance fee of $12 from a fund balance with a value of less than $2,000 in shares, while Vanguard funds may charge an annual account service fee of $20 for fund balances below $10,000. Fidelity and Vanguard offer other share classes of these funds with different investment minimums and expense ratios.
Please note: When comparing funds, please consider all important factors, including information pertaining to fund fees, fund features, and fund objectives. While funds may track an index, the indices and strategies employed to achieve an investment object may be different. Each fund’s investment object and strategy and index tracked to achieve investment goals may differ. For new investors, funding investment minimums may be different.
Please note: When comparing funds, please consider all important factors, including information pertaining to fund fees, fund features, and fund objectives. Expense Ratio is the total annual fund operating expense ratio from the fund’s most recent prospectus.
ETFs are subject to management fees and other expenses.
*Sell orders are subject to an activity assessment fee (from $0.01 to $0.03 per $1,000 of principal). Trades are limited to online domestic equities and options and must be used within 180 days. Options trades are limited to 20 contracts per trade. Offer valid for new and existing Fidelity customers opening or adding to an eligible Fidelity IRA or Fidelity brokerage retail account. Accounts receiving $50,000 or more will receive 300 free trades. Account balance of $50,000 must be maintained for at least 9 months; otherwise, normal commission schedule rates may be retroactively applied to any free trade executions. See Fidelity.com/ATP300free for further details.
‡ $7.95 commission applies to online U.S. equity trades in a Fidelity account with a minimum opening balance of $2,500 for Fidelity Brokerage Services LLC retail clients. Sell orders are subject to an activity assessment fee (from $0.01 to $0.03 per $1,000 of principal). Other conditions may apply. See Fidelity.com/commissions
IMPORTANT: The projections or other information generated by the Planning & Guidance Center's Retirement Analysis regarding the likelihood of various investment outcomes are hypothetical in nature, do not reflect actual investment results, and are not guarantees of future results. Your results may vary with each use and over time.
Barron's, March 19, 2016 Online Broker Survey. Fidelity was evaluated against 15 others and earned the top overall score of 34.9 out of a possible 40. The firm was also named best online broker for Long-Term Investing (shared with 1 other), Best for Novices (shared with 1 other), and best for In-Person Service (shared with 4 others). Fidelity was also ranked 1st in the following categories "Trading Experience and Technology", "Range of Offerings" (tied with 1 other firm), and "Customer Service, Education and Security". Overall ranking based on unweighted ratings in the following categories: trading experience and technology, usability, mobile, range of offerings, research amenities, portfolio analysis and reports, customer services and education, and costs.
Investors Business Daily, January 2015 and 2016 Best Online Brokers Special Reports. January 2015: Fidelity ranked in the top five in 9 out of 11 categories more than any other competitor. Fidelity was named first in Research Tools, Investment Research, Portfolio Analysis and Reports, and Educational Resources. January 2016: Fidelity ranked in the top five in 10 out of 12 categories. Fidelity was named first in Trade Reliability, Research Tools, Investment Research, Portfolio Analysis and Reports, and Educational Resources. Results for both reports were based on having the highest Customer Experience Index within the categories composing the surveys, as scored by more than 9,000 visitors to the IBD website.
February 16, 2016: Fidelity was ranked No. 1 overall out of 13 online brokers evaluated in the StockBrokers.com 2016 Online Broker Review. Fidelity was also rated No. 1 in several categories, including Order Execution, International Trading, and Email Support, and named Best in Class for Offering of Investments, Research, Customer Service, Investor Education, Mobile Trading, Banking, Order Execution, Active Trading, Options Trading, and New Investors. Read the full article
Guidance provided by Fidelity through the Planning & Guidance Center is educational in nature, is not individualized, and is not intended to serve as the primary basis for your investment or tax-planning decisions.
Keep in mind that investing involves risk. The value of your investment will fluctuate over time, and you may gain or lose money.
Fidelity Brokerage Services LLC, Member NYSE, SIPC, 900 Salem Street, Smithfield, RI 02917