Want to know all about Fidelity Rewards and Fidelity Rewards credit cards? Read this full write-up. The Fidelity Rewards Visa Signature Credit Card is an excellent choice for people who want a simple way to earn cash back on all credit card spending and already have or plan to open a Fidelity account.
The 2% cash back on all eligible net purchases earning rate is among the best flat-rate rewards programs available on any credit card, and there is no annual fee or earnings cap.
Fidelity Rewards
The card earns a 2% refund on every eligible net purchase when redeemed as a direct deposit into the qualifying Fidelity account.
The redemption options with this card are unique in that you can deposit your earnings into nearly any type of Fidelity account, including retirement savings accounts like a 401k, 529 plan, or HSA.
The one caveat here is that you must open a Fidelity account if you don’t already have one in order to get the best return on your investment.
How to Earn on Fidelity Rewards
This card earns two points for every dollar spent. This is equivalent to 2% cash back on every eligible net purchase when redeemed for a deposit into a qualifying Fidelity account. There are no spending restrictions or other limitations on reward earnings.
How to Redeem Fidelity Rewards
You can redeem points for 2% cash back on any eligible net purchase in any amount at any time by direct deposit into an eligible Fidelity account. To redeem, a minimum of 2,500 points must be accumulated.
Eligible Fidelity accounts often include non-retirement accounts as well as Fidelity IRAs, HSAs, Charitable Giving accounts, and the 529 Higher Education Savings Plan account.
The Fidelity Cash Management Account, an alternative to a conventional checking account, is one option for non-Fidelity clients. The Cash Management Account is FDIC-insured and reimburses ATM fees worldwide.
Points can be redeemed for travel or merchandise at a 1% effective rate. This bonus offers start at 2,500 points. The Fidelity Rewards Center is where you can redeem your points.
Because this earnings rate is half the value of cashback, it’s best to redeem to a Fidelity account to get the full 2% value on your rewards.
Fidelity Rewards Credit Card Login
With the aid of the Fidelity Rewards Card Login feature, you can have access to your points balance and perform online transactions whenever you want.
How to Login to Fidelity Rewards
Follow these steps to have yourself logged into the fidelity rewards login portal;
- Firstly, go to the official website of Fidelity Rewards at; fidelityrewards.com
- When you get to this page, click on “login to my account”
- This will lead you to the official login page, enter your username and your password.
- After that, click “login”.
Fidelity Rewards Credit Card Register
If you do not yet have online access to your Fidelity Rewards credit card, read the instructions below to know how to create an account;
How to Register at Fidelity Rewards
Follow the steps below to successfully register for an account;
- Firstly, go to the official website of Fidelity Rewards at; fidelityrewards.com
- When you get to this page, click on “login to my account”
- This action will lead you to a new page, when you get to this page, click on the link that says “don’t have an account, sign up”
- This will lead you to the official sign-up page, fill up your form with the information requested such as your credit card number, 3-digit security code, and the last 4 digits of your social security number.
- You will also be required to create a username and password for Fidelity Rewards Login
After doing this, click “Submit”
Fidelity Rewards Credit Card Fees
Below are the fees charged by the Fidelity Rewards Credit card;
- Foreign Purchase Transaction: 1% from each foreign transaction.
- Cash Advance Fee: 3% of each advance amount or $5 minimum, whatever is greater.
- Late Penalty: This card charges a penalty for late payment
Other Benefits of Fidelity Rewards
As a Visa Signature cardholder, you will receive the following benefits:
Auto Rental Vehicle Damage Waiver: You can use this card instead of paying for rental car companies’ collision coverage. This coverage is secondary, which means it will pay for anything that your primary insurance does not cover.
Travel and Emergency Assistance: Access to local emergency services.
Reimbursement for Luggage Lost: Get up to $3,000 in compensation for lost or stolen luggage if your carrier was at fault. Travel Accident Insurance: Travel purchased with this card generates an automatic $250,000 life insurance benefit.
Extended Warranty Protection: You can get twice the length of the original manufacturer’s written U.S. repair warranty, up to one year, on eligible warranties of three years or less for items purchased entirely with your card.
Roadside Dispatch: It will grant your assistance in locating local roadside assistance.
Emergency Cash and Card Replacement: If you lose your card, Visa will quickly replace it and/or assist you in obtaining emergency cash at a convenient spot.
Norton LifeLock ID Navigator: It grants you free access to this ID theft insurance service.
Frequently Asked Questions
How Much Is 1000 Fidelity Reward Points Worth?
When you redeem your points for cash deposits into Fidelity deposit and investment accounts, each point is worth $0.01, giving you a 2% return on your money.
Is the Fidelity Rewards Visa Signature Card Legit?
Yes, this credit card is valid. It is backed by Fidelity, one of the most reputable financial institutions in the world. Even if you don’t have a retail brokerage account with Fidelity, you may have a retirement account with them through your employer or invest in Fidelity-sponsored ETFs and mutual funds.
How does Fidelity’s 2% cash back work?
Only Points redeemed for a deposit into an eligible Fidelity account are eligible for the 2% cash back rewards value. If you choose to redeem your Points for other rewards such as travel, merchandise, gift cards, and/or statement credit, the redemption value varies. Other limitations apply.