Fidelity® Credit Card Reviews: Is It Worth It? (2023)Reviews, rates, fees, and rewards details for The Fidelity® Credit Card. Compare to other cards and apply online in secondsJohn KiernanWalletHubNo membership feesHigh rewards rateNo initial rewards bonusNo intro APR on purchasesNo intro APR on balance transfersForeign fee
Info about Fidelity® Credit Card has been collected by WalletHub to help consumers better compare cards. The financial institution did not provide the details.
Rewards%APR194Reviews17Q&AContact
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Accepted Credit Scores
Accepted Credit Scores
Excellent Credit
Annual Fee
$0
Rewards
Every eligible net $1 spent equals 2 rewards points
No limits on total reward points and no restrictive categories. Points will not expire.
Deposit your rewards into one account or divide them among several. You can even use your rewards to fund a loved one's account. Choose from up to 5 eligible accounts.
You can redeem your points for travel, merchandise, gift cards, or a statement credit. A 2% rewards value applies only to points redeemed for a deposit into an eligible Fidelity account.
Enjoy hotel and transportation discounts, a best available rate guarantee, beverage credits, and special offers at premium retailers.
Can't find what you are looking for? Submit your question about Fidelity® Credit Card to our community. Editorial and user-generated content is not provided, reviewed or endorsed by the issuer of this card.
The Fidelity® Credit Card doesn't offer a signup bonus. The card does, however, offer 2 points per $1 spent without limitations or expiration. It also has travel discounts, beverage credits and special offers at premium retailers.
You can deposit your points into one account or divide them among multiple accounts. What's more is that you can even fund someone else's account, too. Plus, this card has a $0 annual fee.
Good Credit Cards with a Signup Bonus
Considering the fact that the minimum requirement for this card is an excellent credit score, this isn't the best credit card with rewards out there. However, if you're looking for a credit card that offers a signup bonus and good rewards rates, you're not out of options:
For more options, you can check out our editors' latest picks for the best credit card sign-up bonuses on the market to see which one suits your needs better.
The Fidelity® Credit Card foreign transaction fee is 1% of the amount spent on international purchases. Remember that this fee will be assessed for purchases made while traveling abroad or from merchants located outside of the United States.
The Fidelity® Credit Card benefits include purchase protection, lost luggage insurance, and travel accident insurance. You'll also have access to travel and dining discounts, preferred event access, and the Visa Signature concierge, among other perks.
Top Fidelity® Credit Card Benefits
Purchase Protection (also called Purchase Security) Covers eligible purchases for 90 days...
The Fidelity® Credit Card credit score requirement is 750 or better. That means people with excellent credit have a shot at getting approved for the Fidelity® Credit Card.
You should note that while your credit score is an important factor, there are plenty of other things that will impact your chances...
Even though this card has a low APR of 18.99% (V), it's not specifically made for balance transfers. It lacks a transfer intro APR offer and also has a balance...
The Fidelity Credit Card $200 bonus offer is not available, as of September 2020, though there is a targeted sign-up bonus offer worth up to $300. Fidelity customers who receive the mail offer will earn a $150 bonus for spending $1,500 within the first 90 days. Then, there's another $150...
You can set up a PIN for your Fidelity® Credit Card through your online account. A credit card PIN is a four-digit code you can use to complete certain transactions, like cash advances. When you first get your card, your PIN is sent along with your new credit card's paperwork. But you are also...
The issuer does not disclose the starting Fidelity Credit Card credit limit. It will be determined based on your creditworthiness, income and debt.
However, considering that it requires at least excellent credit, the most creditworthy applicants in this credit range (with stable incomes) can expect credit card credit limits between...
To check the transaction history of your Fidelity® Credit Card, log in to your account online or call credit card customer service at (888) 551-5144. It's also possible to check your Fidelity® Credit Card transaction history through the Fidelity mobile app.
How to Check Your Fidelity® Credit Card Transaction History
You can get a cash advance with your Fidelity® Credit Card at any ATM or in any bank that displays the Visa logo.
Cash advances are not really worth it, considering how expensive they are. So try to avoid them and instead use your card to pay wherever you can. And if...
Share your insights and review the Fidelity® Credit Card
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194 reviews
194 reviews
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epopovash @epopovash
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1 Star Rating
Elan is the only credit card provider that gave me a ridiculous credit limit of $500. No other institution ever gave me less than 5K credit limit. This credit limit is so useless that after contacting them and trying to increase credit limit and getting a refusal, I simply closed this card after having it for less than a month. I have an impression that someone in Elan gets bonuses for number of opened account, and they seem to open as many accounts as possible without caring about actual usefulness of the given credit limit for the customer. Now I have a useless opened account record in my credit history that will reduce my chance of getting some other credit cards. Elan's negative particularities among credit card providers didn't stop there. They are the only credit card service I dealt with that doesn't clearly mark the institution that withdrew money from your checking account whey you paid your credit card balance. Their withdrawal looked so generic that I started to suspect that it's an unauthorized charge and had to waste my time to investigate this charge. On top of this, you have to wait until you accumulate $25 in cash back before you can redeem it. It's rare to see this kind of limitations today in Credit Card world. And if that wasn't enough, I was only allowed to deposit my cashback to Fidelity accounts and no external accounts. It is literally the most poorly managed and the worst thought-through credit card I dealt with. I think that Fidelity is damaging its credibility by dealing with Elan. I was actually pretty shocked that Fidelity would put its brand of such a pathetic credit card service. Thinking that Fidelity would never deal with such a low quality company, I applied for Fidelity credit card without even researching reviews. I was too optimistic.
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Matt Ra @wallethub_com_7
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1 Star Rating
Avoid due to terrible customer service from Elan regarding fraud. I had a fraudulently charge 1 day before they put a fraud lock on the card and issued a new one. Disputed charge and one month later they re-added the charge as the merchant just sent my address they easily stole from the site they hacked (no tracking number, receipt, link to the page on there non-existent website). Bare minimum and deficient effort from Elan on this investigation. After a week of calling to get this taken care of there is only one person on the whole earth in this company they claim can resolve it, some fraud analyst. That person called and left a message only once in the whole week when I was on another call, with zero ways to get back in touch directly with them. The supervisor #1110107 in the fraud department was unprofessionally rude and said you were called (voicemail once guess count) and just wait for another call back and nothing he could do. Customer service at this card processor cannot ever help you and puts the customer and the person who can at arms length making it impossible for a connection. Find another card with the same rewards and who ACTUALLY has Zero fraud liability. Fidelity should really investigate the customer service of this co-branded card. Done using the card and considering pulling all my retirement accounts to another Brokerage.
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John Shmit @Jshmit
I know I used to work for their customer service trust me we do not care and supervisors are just random agents as well not actual supervisors. If you call back you will just get a new supervisor. Also the supervisor number you provided is not their badge number its just a random number we create
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patrice @patrice
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1 Star Rating
The worst customer service ever. Besides being aggressive, the two customer service agents did not help. My account is frozen. The refuse to help and claim that a supervisor has to call me to solve the problem. I called last Thusday. We are Wednesday today. No phone call received.
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John Shmit @Jshmit
I worked there for 3 years none of us cared about your issues. We put it in a pending file and if no one gets to it within 72 hours the call back is then dismissed. The supervisors are not supervisors they are random agents who don't care at all just like I was. No actual manager will take any calls you just get transferred we were trained to act like managers on the phone
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Tom Moody @trmody
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1 Star Rating
Very bad customer service. The have flagged and rejected my charges. Not only that they then block my account even though I have replied to their text authenticating the charge. To add insult to injury, Fidelity blocked my card even after my authentication and did not inform me. I found out when i tried to charge the card at a retailer and had to come empty handed. I have been a loyal customer of Fidelity for more than 20 years with a six figure balance in my 401K accounts with them. Its time to fire Fidelity. They don't deserve my business.
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John Shmit @Jshmit
I worked there for 3 years and none of us cared about any customer's issues. Just a bunch of kids that work there out of high school we put you on hold and laugh at the situation. The company is majorly compromised you think your account information is safe but from it. They hire anyone without doing a background check so anyone can steal your information
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williams_ron @williams_ron
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1 Star Rating
Could not log on to my account so called customer service. Waited and waited before getting an agent. When I did she was an idiot. Could not hear her; only faintly. Finally understood that I had a fraudulent $38 dollar charge. Rather than refusing it, she cancelled my card and said she was mailing me a new one in a few days. She would not call me back so that I could hear her. I am going to apply for a new card with another company so that I never have to deal with anyone from VISA again. I know I am wasting time as other complainers have already told me that Iam wasting my time.
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daleguan @daleguan
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1 Star Rating
I have never missed a payment with all my other credit cards, but with this card for a year already missed payment twice, each time missed due day by two days. Why? they missed sending the monthly statement notification through email. The first time I thought maybe it was somehow my fault, and started watching. The second time I am sure there was no email notification. If you miss a payment they charge a hefty fee plus interests, effectively negated the 2% cash back. I will not be using this card anymore. Very disappointed as I have been a Fidelity brokerage customer.
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OGHENEMARO KOSIN @ogkosin
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1 Star Rating
This card will HURT your credit. I paid off the card with a loan to reduce my usage and try to get into a property. Elan financial who issues the card reduced my credit limit bringing up my usage to 80% from 11%. This was the second time they have done this so I closed the account and paid it off immediately. If you want a stable credit score, this is NOT THE CARD FOR YOU.
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Simon Garfunkel @Stellaris
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3 Star Rating
This is a great card but they lie to you about their zero APR promos and their customer support usually has no idea what they are talking about. There are other 2% back cards, I might consider those instead.
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Sridhar Ramachandran @sridharcheema
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1 Star Rating
Awful customer service. The service rep was yelling at me for asking how much fees they have charged me over the last year. She was trying to "educate me and make me understand" why I got charged 20% APR over two months even though my account was on auto-pay. Horrible!!!
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pegulhane @pegulhane
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1 Star Rating
Though cashback is great, I wouldn't use it as customer care doesn't resolve your issues whether it's with rewards or disputed transactions. The answer is "it's done and nothing can be done". I lost >200$ because customer care mentioned that it's done and nothing can be done even though I reported the case as soon as I could
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