Fidelity® Credit Card Reviews: Is It Worth It? (2024)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 foreign feeNo initial rewards bonusNo intro APR on purchasesNo intro APR on balance transfersRequires excellent credit
This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Earn Rewards." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs.
Fidelity® Credit Card has a rating of 4.0/5 according to our proprietary credit card rating system. This rating reflects how appealing Fidelity® Credit Card's terms are compared to a pool of more than 1,500 credit card offers tracked by WalletHub. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is 'Earn Rewards'. To break it down further, Fidelity® Credit Card earned a score of 5.0/5 for Fees, 3.4/5 for Rewards, 4.6/5 for Cost, and 3.2/5 for User Reviews. Info about the Fidelity® Credit Card has been collected by WalletHub to help consumers better compare cards. The financial institution did not provide the details.
WalletHub Rating Breakdown
User Reviews
3.2/5
196 reviewsRead and write reviews
Market Comparison
Market Comparison
4.1
The Market Comparison is a key component of the WalletHub Rating, as it measures how appealing the terms of a card are compared to a pool of over 1,500 credit card offers monitored by WalletHub. To ensure cards are evaluated for their most relevant purpose, we score each card across various cardholder needs and select the rating for the need with the highest score, which is “Earn Rewards” for this card.
Fees
5.0
Rewards
3.4
Cost
4.6
Other Features
0.0
4.1/5
Compared against 1,500+ credit cards
KEY TERMS
Accepted Credit Scores
Accepted Credit Scores
Excellent Credit
Annual Fee
$0
APR on Purchases
19.24% (V)
Balance Transfer
APR: 19.24% (V)
Balance Transfer Fee:3% (min $5)
Rewards
Earn 2 points per $1 spent on all purchases.
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.
Fidelity® Credit Card's Additional Info
24-hour Cardmember support.
Zero fraud liability.
Visa Signature® Concierge.
Your card is Digital Wallet-enabled for Apple Pay, Google Pay and Samsung Pay.
This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Earn Rewards." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs.
User Reviews
3.2
Market Comparison
4.1
fees: 5.0
rewards: 3.4
cost: 4.6
Other Features: 0.0
4.1WalletHub Rating
WalletHub Rating
4.1
This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Earn Gas Rewards." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs.
Editor’s Rating
4.4
User Reviews
3.6
Market Comparison
4.1
fees: 5.0
rewards: 3.9
cost: 4.2
Other Features: 0.0
4.6WalletHub Rating
WalletHub Rating
4.6
This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Earn Rewards." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs.
Editor’s Rating
5.0
User Reviews
3.9
Market Comparison
4.6
fees: 2.9
rewards: 4.8
cost: 5.0
Other Features: 5.0
(196)
(38)
(3,514)
annual fee$0
annual fee$0
annual fee$95
rewards rate 2 points / $1
rewards rate 1 - 3 points / $1
rewards rate 1 - 5 points / $1
bonus offerNone
bonus offer 20,000 points
bonus offer 60,000 points
Purchase Intro APRNot Offered
Purchase Intro APR0% for 12 months from account opening
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 offer. Please keep in mind that it is not a financial institution’s responsibility to ensure all posts and questions are answered. In addition, WalletHub independently collected information for some of the cards on this page.
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 $0. This means you won't be subject to an additional charge whenever you use the Fidelity® Credit Card outside of the United States. Whether it's a purchase at a physical location in a foreign country or an online transaction through an internationally-based merchant, you won't have to pay extra.
The best Fidelity® Credit Card benefits are Purchase protection and Travel and emergency assistance. The Fidelity® Credit Card also has $0 liability protection and Emergency card replacement, which are more common perks across Fidelity Investments credit cards.
The Fidelity® Credit Card credit score requirement is 750 or better. That means people with excellent credit or better 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 of being approved for the Fidelity® Credit Card, too. Some other key criteria include your income, existing debt load, recent credit inquiries, number of open accounts, housing...
Even though this card has a low APR of 19.24% (V), it's not specifically made for balance transfers. It lacks a transfer intro APR offer and also has a balance transfer fee of 3% (min $5).
If you have an outstanding balance you'd like to pay off at a more convenient rate, apply for a card...
No, the Fidelity® Credit Card $200 bonus offer is not available, as of October 2023, though Fidelity still sends targeted sign-up bonus offers to its customers from time to time. It is noteworthy that the offers are available to only those Fidelity customers who receive the promotional email.
The Fidelity® Credit Card periodically offers a public sign-up bonus that doesn't require a targeted mail offer. So, if you apply for the card directly through Fidelity and are approved,...
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 given the option of selecting your own PIN afterwards.
How to Set Up a PIN for Your Fidelity® Credit Card
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 $3,500 and $7,500. High-income applicants might expect a credit limit of up to or more than $10,000.
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
Online: Log in to your Fidelity account and click on the Fidelity® Credit Card to see its transaction history.
By Phone: Call (888) 551-5144 and follow the prompts to have the automated system...
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 you ever find yourself in a situation where a cash advance is unavoidable, make sure to pay it back as soon as possible.
Share your insights and review for the Fidelity® Credit Card
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3.2
196 reviews
196 reviews
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JimHere57 @JimHere57
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1 Star Rating
After 20 years with a Bank of America credit card and a $60K limit for that entire time, I decided to consolidate everything, including my banking, investment accounts, and credit cards with Fidelity. As for the credit card service, I would agree it is terrible. They capped me at $35K for my credit limit and said I needed 6 months of payment history before they would consider an increase. I have 42 years of pristine payment history with a credit score above 800. After 6 months with the Fidelity credit card, I requested an increase of my limit to $60K. They sent me a denial letter stating, "1) your account was recently opened, 2) maximum amount of unsecured credit already issued, and 3) we require 6 months of payment history on this account." Unbelievable! When I called and mentioned that if they don't match the $60K limit I had for 20 years with Bank of America I would cancel the card after obtaining one from another provider, they said, "we're happy to process your account closure if you would like." At no time during my several requests to increase my limit to what I am accustomed to did they ever disclose that they had maximum limitations (bait and switch). Don't waste your time with Fidelity.
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jim train @mainman2277
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1 Star Rating
Doesn’t not help with disputes. They left me hanging on a $815 dispute! They didn’t give me a chance for a second response and closed the case without talking to me and are now telling me to hire a lawyer. Yet from the same company I am disputing they refunded me 200 of the same orders. I got played by trademark supreme.com for a trademark. They forged documents with my name on it. Than gave it to fidelityS I have emails, screenshots of website chat & text messages and even a recorded phone call to prove my side of the story & paid invoices but fidelity is taking the scammmers forged documents as the truth for part of the order….. yet refunds the other part. Now I have to hire a lawyer for a lawsuit to get my money back since fidelity can’t read or listen to real documents…. Guess I’ll call the consumer bureaus to report them on this one
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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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jim train @mainman2277
Yep having the same issue. They do not have your back on fraud at all!
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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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