Planning with your advisor can help you better leverage our competitive rates, actionable spending insights, and borrowing options when you need to make a big purchase.
When you need cash in order to make a large purchase or pursue an opportunity, we offer potential liquidity solutions that may help you maintain growth.
We can help you determine how much cash to keep on hand and explore cash management options that fit your overall wealth strategy.
We help you create a retirement spending plan, including a sustainable withdrawal rate designed to help your savings last and to reduce your overall tax burden.
Making a major purchase or paying for a big expense may not require selling assets. We offer flexible options while keeping you invested.
As you approach retirement, we'll work with you to develop a tax-smart withdrawal strategy that provides guidance on which accounts to withdraw from and how much to withdraw, including considerations for required minimum distributions (RMDs).
Help grow your savings with competitive rates, easy access to cash, and no account fees8—all with the Fidelity® Cash Management Account, available exclusively to Fidelity customers.
Fidelity makes it simple to use your eligible accounts as collateral for a line of credit you can use for real estate, tuition, or other major purchases.
Earn unlimited 2% cash back1 on purchases when you deposit into an eligible Fidelity account.2
Get a holistic look at your full financial picture by seeing all of your assets in one place. Link external accounts to get an even more comprehensive view.
Thoughtful spending and strategic borrowing can be beneficial.
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Strategic leverage may help you meet your financial goals.
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Tax-smart strategies5 employed throughout the year can help keep more of your money invested and working for you. The earlier tax-smart strategies are incorporated into your overall financial plan, the more effective they can be.
A conversation with an advisor is the first step to helping you find the right approach to reach your goals.
Keep in mind that investing involves risk. The value of your investment will fluctuate over time, and you may gain or lose money.
Screenshots are for illustrative purposes only. The images, graphs, tools, and videos are for illustrative purposes only.
The Fidelity Cash Management account is a brokerage account designed for investing, spending and cash management. Investing excludes options and margin trading. For a more traditional brokerage account, consider the Fidelity Account.
Fidelity does not provide legal or tax advice. The information herein is general in nature and should not be considered legal or tax advice. Consult an attorney or tax professional regarding your specific situation.
Fidelity is not a bank and brokerage accounts are not FDIC-insured, but uninvested cash balances are eligible for FDIC insurance.
1. You will earn 2 Points per dollar in eligible net purchases (net purchases are purchases minus credits and returns) that you charge. Accounts must be open and in good standing (not past due or overlimit) on the closing date of the billing cycle to earn and redeem rewards and benefits. Upon approval, refer to your Program Rules for additional information. 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), 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.
2. Eligible accounts include most non-retirement 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)
3. 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.
4. You must complete either the Global Entry® or TSA PreCheck® application and pay the application(s) fee with your Fidelity Rewards Visa Signature Card. For complete details on the TSA PreCheck program, including full terms and conditions, visit www.tsa.gov/precheck. The TSA PreCheck trademark is used with the permission of the U.S. Department of Homeland Security. Please refer to your Guide to Benefits for further details, including full terms and conditions.
5. Tax-smart (i.e., tax-sensitive) investing techniques, including tax-loss harvesting, are applied in managing certain taxable accounts on a limited basis, at the discretion of the portfolio manager, primarily with respect to determining when assets in a client's account should be bought or sold. Assets contributed may be sold for a taxable gain or loss at any time. There are no guarantees as to the effectiveness of the tax-smart investing techniques applied in serving to reduce or minimize a client's overall tax liabilities, or as to the tax results that may be generated by a given transaction.
6. Your Fidelity Cash Management account will automatically be reimbursed for all ATM fees charged by other institutions while using the Fidelity® Debit Card at any ATM displaying the Visa®, Plus®, or Star® logos. The reimbursement will be credited to the account the same day the ATM fee is debited. Fidelity does not charge foreign transaction fees; however, if you choose to pay a foreign debit card transaction in US dollars, your transaction may be processed at a rate different than market exchange.
7. If elected, the cash balance in the Fidelity Cash Management Account is swept into an FDIC-Insured interest-bearing account at one or more program banks and, under certain circumstances, a Money Market mutual fund (the "Money Market Overflow"). Deposits held at the program bank(s) are eligible for FDIC Insurance, subject to FDIC insurance coverage limits. Balances that are swept to the Money Market Overflow are not eligible for FDIC insurance but are eligible for SIPC coverage under SIPC rules. All assets of the account holder at the depository institution will generally be counted toward the aggregate limit. For more information on FDIC insurance coverage, please visit www.FDIC.gov. Customers are responsible for monitoring their total assets at each of the Program Banks to determine the extent of available FDIC insurance coverage in accordance with FDIC rules. Deposits held at Program Banks are not covered by SIPC. For additional information please see the Fidelity Cash Management Account FDIC Disclosure Document (PDF).
8. Zero account minimums and zero account fees apply to retail brokerage accounts only. Expenses charged by investments (e.g., funds, managed accounts, and certain HSAs) and commissions, interest charges, or other expenses for transactions may still apply. See Fidelity.com/commissions for further details.
The creditor and issuer of this card is Elan Financial Services, pursuant to a license from Visa U.S.A. Inc. Fidelity® and Elan Financial Services are separate companies.
Visa and Visa Signature are registered trademarks of Visa International Service Association and are used by the issuer pursuant to a license from Visa U.S.A., Inc.
The Fidelity® Debit Card is issued by Leader Bank, N.A., and the debit card program is administered by BNY Mellon Investment Servicing Trust Company. These entities are not affiliated with each other or with Fidelity, although, the parent company of Fidelity has a minority percentage, non-controlling interest in Leader Bank. Visa is a registered trademark of Visa International Service Association, and is used by Leader Bank pursuant to a license from Visa U.S.A. Inc.
Fidelity advisors are licensed with Strategic Advisers LLC (Strategic Advisers), a registered investment adviser, and registered with Fidelity Brokerage Services LLC (FBS), a registered broker-dealer. Whether a Fidelity advisor provides advisory services through Strategic Advisers for a fee or brokerage services through FBS will depend on the products and services you choose.
Fidelity Brokerage Services LLC, Member NYSE, SIPC, 900 Salem Street, Smithfield, RI 02917
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