How to maximize your credit card's security

Your Fidelity® Rewards Visa Signature® Card comes with many features and benefits designed to safeguard your information and provide peace of mind.

If you suspect fraudulent activity on your Fidelity® Rewards Visa Signature® Card account, please contact Cardmember Service immediately at 888-551-5144.

Multiple layers of protection

Fidelity and Visa work together to not only help prevent fraud, but also to cover you in cases of unauthorized purchases, as well as for any losses or damage to your card purchases.1

24/7 account monitoring

When your card is used, we monitor the transaction and look to see if it seems suspicious based on your past spending patterns, and can even send you an alert.

Learn more about alerts

Zero Fraud Liability2

If your card is ever lost, stolen, or fraudulently used in-store or online, you are protected with Zero Fraud Liability. This policy ensures you will be reimbursed for 100% of unauthorized purchases made with your Fidelity® Rewards Visa Signature® Card.

Learn more about the policy

Purchase security

Even after you've made a purchase, your card still protects you for 90 days in case of theft, fire damage, vandalism, water, or weather damage of eligible purchases. Maximum benefit is up to $500 per claim and $50,000 per cardholder.

Learn more about the claim process

Protecting yourself from identity theft

From merchant data breaches to scams—you can defend yourself from fraud by following a few simple guidelines:

  • Be suspicious of any unsolicited call, email, or text message

    • Savvy criminals use many tricks to bait you into clicking on links or speaking with them to reveal personal information.
    • Be aware that scammers may already have some of your personal details that they use to try and reinforce that their contact is legitimate.

      Always "hang up" and defer to known channels of communication, including calling the Customer Service phone number on the back of your Fidelity® Rewards Visa Signature® Card or directly visiting the Fidelity or the Elan websites.
    • Do not click on links or even copy the web address link from a suspect communication.

    Fidelity and Elan will never ask you to provide confidential details, such as your card number, PIN, 3-digit CVV, Social Security number, name, address, password, or temporary security code in an email or text message. However, you may be asked to provide a unique promotional code for certain promotions, or you may be asked to provide this information when speaking directly when you call Cardmember Services.

  • Regularly update your passwords

    Regularly update your passwords and make them strong and unique to each account that you use.

    When a data breach occurs, stolen payment data is rarely used to make fraudulent purchases at the place the data breach occurred. Instead, criminals are more interested in targeting people who continue to use the same login credentials on sites beyond the one that was breached.

  • Pay attention to your transactions

    Pay attention to your transactions and report or dispute suspicious activity as soon as you notice something is wrong. View transactionsLog In Required

  • Be cautious when sharing personal details online

    Be careful what you make public. Seemingly harmless photos, posts, and comments can be compiled by criminals to gather enough information about you to commit fraud or steal your identity.

    • Sharing photos of personal credentials such as a driver's license, Social Security card, or payment card is an obvious concern.
    • Be wary of "for fun" social media posts that ask you to answer lists of questions such as your favorite color, what kinds of pets you have, where you grew up, places you've visited and even favorite bands, movies, or teacher's names. These "social questionnaires" reveal answers to common security questions used to reset passwords or log into accounts.

More steps to protect yourself

Sign up for account alerts. We actively monitor for fraud and can send automatic security alerts to you via text3 or email messages if we detect suspicious or irregular activity—or if important account and personal information changes on our system. You may subscribe to the following available account alerts:

  • Address change alerts
  • Image/phrase change
  • Questions/answers changed
  • User ID locked
  • E-mail change
  • Password change
  • Phone change
  • User ID changed
  • Card activation
  • Temporary access code generated

Lock your card. Whether you want extra protection from unauthorized use—or if you accidentally misplaced your Fidelity® Rewards Visa Signature® Card, you can place a temporary "block" on it by "locking" your card using the Fidelity mobile app or website.

Locking your card will prevent any purchase transactions. It will also block any online or mobile purchases that use your card as the payment option, including digital wallet purchases. Regular automatic transactions (such as automatic bill payments), returns, and credit adjustments will still be allowed. You can lock and unlock your card as often as you need, at no cost.

One of the easiest and most effective ways to protect yourself from identity theft and fraud is to use strong passwords and change them frequently.

Here are a few tips to create stronger passwords:

  • Combine no fewer than 8 letters, numbers, and symbols.
  • Create a unique user ID and password for online banking that you don't use anywhere else.
  • Don't carry passwords in your wallet or purse.
  • Make your password easy to remember but hard to guess by using symbols and numbers in place of letters (for example, PetRover becomes P3+R0v3r).
  • Don't use a password that is often found on lists of commonly used passwords.

Smartphones are increasingly being used to house all sorts of personal information, so it’s important to make your phone as secure as possible.

Here are a few things you can do:

  • Protect access to your smartphone or device by using a password or biometric lock such as a fingerprint or facial recognition.
  • Always lock your phone when not in use.
  • Set your phone to automatically lock after being idle for a set amount of time.
  • Set your phone to require a longer password than the default four-digit unlock code (if this option is available).
  • For even stronger security, set your phone to erase all data after 10 bad password attempts.
  • Report a lost or stolen phone as soon as possible following the recommended steps of your mobile service provider.

NOTE: Unlike the risk associated with the loss or theft of a physical wallet or card, a mobile device and digital wallet protect your Fidelity® Rewards Visa Signature® Card with multiple layers of protection. A person would need to guess or "break" your found or stolen device's password, as well as any access passwords, PINs, or biometric IDs (e.g., fingerprints, facial recognition, etc.) you've set to protect your card. If you ultimately replace your device, you will need to re-add your Fidelity® Rewards Visa Signature® Card to the digital wallet on your new device.

Here are a few things to remember when checking your email and text messages:

  • If something looks suspicious, it probably is. Before reacting to an email or text, examine its contents and question the validity of it.
  • Never click on links in either emails or texts, unless it's a communication you were expecting to receive.
  • If you have a question about an email you received, contact us directly.
  • Never share personal information, such as your Social Security numbers, login information, or account numbers.
  • Remember that Fidelity or Elan will never send you an email requesting sensitive personal information. If you receive a suspicious email that references Fidelity or your credit card, please forward the email immediately to

Contact us

Always contact Cardmember Service by phone immediately if your card is ever lost or stolen.

Call toll-free: 888-551-5144 (we accept relay calls)

International collect: 701-461-1555

  Related Support

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