Fidelity Rewards Visa Signature Card

The Fidelity Rewards Visa Signature Card, issued by Fidelity Investments, offers a robust combination of cashback rewards and no annual fees. Designed for cardholders seeking a reliable method to maximize their spending, this product stands as an attractive option in todays competitive credit card market. Below, we will delve into the cards offerings, features, and potential advantages and disadvantages.

Card Type

This card is classified as a cashback credit card, ideal for users who seek to earn rewards on everyday purchases. Its simple and straightforward rewards program allows users to earn cashback on a range of spending categories, making it suitable for a broad spectrum of consumers.

Annual Fee

The Fidelity Rewards Visa Signature Card boasts an attractive annual fee of $0. This feature makes it especially appealing to consumers looking to avoid needless costs while still benefiting from a comprehensive rewards program.

Rewards Program

Cardholders earn 1.5% cashback on every purchase, with the added benefit of receiving a 2% cashback on eligible purchases if the rewards are deposited into a Fidelity account. This rewards structure is not confined to specific categories, allowing for flexibility in spending without sacrificing potential rewards. Earnings can be redeemed as statement credits, deposits into a Fidelity account, or for a variety of gift cards.

Sign-Up Bonus

Upon meeting the eligible spending requirement of $1,500 in the first 90 days after account opening, new cardholders can receive a lucrative bonus of $200 when redeemed into an eligible Fidelity account. This generous welcome bonus adds significant value for those looking to make the most of their initial spending.

APR (Annual Percentage Rate)

The standard APR for purchases on the Fidelity Rewards Visa Signature Card typically ranges from 14.99% to 24.99%, depending on the applicant’s creditworthiness. Cardholders benefit from an introductory 0% APR on purchases for the first 15 months, allowing for easier management of larger expenditures during this period.

Foreign Transaction Fees

One of the standout features of this card is its no foreign transaction fees policy. This makes it a superb choice for travelers who want to use their card abroad without incurring additional costs on international purchases.

Balance Transfer Options

The card includes balance transfer options with an introductory 0% APR for the first 15 months, allowing users to consolidate their existing debt from other cards with potentially lower rates during this promotional period. However, balance transfers are subject to a 3% fee of the amount transferred.

Additional Fees

While the Fidelity Rewards Visa Signature Card features numerous benefits, its also essential to be aware of other associated fees. For late payments, cardholders may face up to a $40 late fee. Cash advances come with a fee of either $10 or 5% of the transaction amount, whichever is greater.

Card Benefits and Perks

Cardholders can take advantage of several enticing benefits: travel accident insurance, 24/7 roadside assistance, and access to exclusive offers through Visa Signature. Additionally, cardholders can enjoy complimentary access to concierge services which can assist with travel arrangements, dining reservations, and more.

Customer Protections and Insurance

Fidelity offers various customer protections including $0 fraud liability, purchase protection that covers eligible new purchases against loss or theft, and rental car insurance for eligible rentals. These protections ensure both security and peace of mind for cardholders.

Eligibility and Credit Score Requirements

This card is usually recommended for individuals with a good to excellent credit score, typically around 700 or higher. Additionally, the application may call for a stable source of income and other personal financial information to assess eligibility.

Introductory Offers

As mentioned earlier, the Fidelity card provides an introductory 0% APR for the first 15 months on purchases and balance transfers. This offer can be especially beneficial for those looking to manage their expenses efficiently during this timeframe.

Special Features or Unique Selling Points

A notable feature of the Fidelity Rewards Visa Signature Card is its commitment to giving cardholders more control over their rewards. The ability to earn enhanced cashback when deposited into a Fidelity account sets it apart from similar cashback cards, making it a unique offering in the marketplace.

How to Apply

Individuals looking to apply for the Fidelity Rewards Visa Signature Card can do so easily online. Visit the official website by clicking on this link: ‘>Apply Here and start earning rewards that work for you. For more financial insights, visit UpCube.net.