Card benefits change often, and this page may be out of date by the time you read it. Always check the bank’s page and your card’s guide to benefits for the current terms before you rely on a benefit.
The Fidelity Rewards Visa Signature is a no-annual-fee card that earns 2 points per dollar on everything, worth 2% when you deposit them into an eligible Fidelity account such as a brokerage account, IRA, HSA or 529. It’s issued by Elan Financial Services (part of U.S. Bank), not by Fidelity.
It also has no foreign transaction fees, up to $100 back for Global Entry or TSA PreCheck, and rental car coverage up to $75,000. Below is how it earns, what’s covered, the bonus, and my verdict on who should get it.
Fidelity 2% Visa at a glance
- Annual fee: $0
- Current public offer: $150 after $1,500 in purchases in the first 3 months (as of October 14, 2026, per Doctor of Credit)
- Is it the best ever?: Yes, as far as I’ve tracked, $150 is the best this card gets. Fidelity’s own page doesn’t show a bonus and Frequent Miler lists none, so make sure the link you use shows the $150 before you apply.
- Foreign transaction fee: None
- Best for: Anyone with (or willing to open) a Fidelity account who wants a simple no-fee 2% card, especially to auto-deposit rewards into an IRA, HSA or brokerage account.
- Skip it if: You won’t use a Fidelity account (other redemptions are worth less than 2%), or you want transferable points.
- Bank’s page: Fidelity Rewards Visa Signature on fidelity.com
Jump to: Highlights · Earning · Perks · Insurance · Application rules · My take · The catch · Keep it? · Offer history · Quick Answers
The highlights
- 2 points per $1 on everything, worth 2% only when deposited into an eligible Fidelity account
- Deposit automatically each month into up to 5 accounts: brokerage, Cash Management, IRA, 529, HSA, Fidelity Go or Fidelity Charitable
- Global Entry or TSA PreCheck: up to $100 back in points
- Rental car collision coverage up to $75,000 and emergency medical and dental coverage while traveling
- No annual fee and no foreign transaction fees; no cell phone protection listed
How it earns
| Category | Rate | Caps and fine print |
|---|---|---|
| All eligible purchases | 2x | No cap; worth 2% when deposited into an eligible Fidelity account |
Points are worth less when redeemed for travel, merchandise, gift cards or a statement credit (Fidelity doesn’t say how much less), so the card only makes sense if you deposit into Fidelity. You need to link an eligible Fidelity account to the card, and you can set up automatic monthly deposits or redeem on demand.
Perks
- Up to $100 in points when you pay the Global Entry or TSA PreCheck application fee with the card.
- Eligible accounts for the 2% deposit: Fidelity brokerage, Cash Management Account, Traditional, Roth, Rollover and SEP IRAs, 529 college savings, Fidelity Go, Fidelity HSA and Fidelity Charitable. IRA and 529 deposits count as contributions and follow the IRS limits.
- Visa Signature benefits, real-time alerts and digital wallet support.
- No lounge access, status or travel credits.
Insurance and protections
| Benefit | What the bank says |
|---|---|
| Auto rental collision damage waiver | Up to $75,000 when the rental is secured with the card or its rewards (Fidelity’s page doesn’t say primary or secondary) |
| Emergency medical and dental | Coverage while traveling on a covered trip (no amount given on the page) |
| Trip delay, cancellation and baggage coverage | None listed |
| Cell phone protection, purchase protection and extended warranty | None listed on the page |
| Zero fraud liability | Elan reimburses 100% of losses from unauthorized use reported promptly |
Fidelity’s card page lists only rental car and emergency medical coverage and points to the Guide to Benefits for the terms (checked October 14, 2026).
For how this compares with other cards, see my card travel benefits comparison.
Application rules for this card
- Elan Financial Services (U.S. Bank) issues the card and makes the credit decision; Fidelity doesn’t. You must live in the U.S. and be 18 or older.
- Elan doesn’t publish a bonus-eligibility window on Fidelity’s page. Like any personal card, it counts toward Chase’s 5/24 rule; U.S. Bank’s own habits are in my U.S. Bank rules.
The full rules for every bank are in my credit card application rules guide.
My take
2% on everything deposited into a Fidelity account, with the best bonus this card gets right now and no fees of any kind. The real fee is zero, so if you already invest with Fidelity, it’s one of the easiest ways to automate saving: set the monthly deposit to your IRA, HSA or brokerage account and forget about it.
Unlike most 2% cards it also has no foreign transaction fees, and the Global Entry or PreCheck credit is a nice extra on a no-fee card.
If you don’t use Fidelity, a Citi Double Cash or Wells Fargo Active Cash does the same 2% without needing a brokerage account, so I’d only get this one if the Fidelity deposit is useful to you.
The catch
You need a Fidelity account to get the full 2%, and every other redemption is worth less. The protections are thin: no cell phone protection, purchase protection, extended warranty or trip insurance is listed.
The $150 bonus isn’t shown on Fidelity’s own page, so it depends on finding the right link.
Keep it after year one?
The fee is $0, so the real fee is $0. Yes, keep it if you have a Fidelity account; it’s a set-and-forget 2% card that also works abroad.
Offer history
Quick Answers
No. It has no annual fee and no foreign transaction fees as of October 2026.
To get the full 2%, yes: points are worth 2% only when deposited into an eligible Fidelity account, such as a brokerage account, IRA, HSA or 529. Other redemptions are worth less.
Elan Financial Services, part of U.S. Bank. Fidelity doesn’t make the credit decision.
Doctor of Credit lists $150 after $1,500 in purchases as of October 2026, but Fidelity’s own page doesn’t show a bonus, so check the link you apply through.
Yes, in points: you get up to $100 in reward points when you pay the Global Entry or TSA PreCheck application fee with the card.
Last checked: October 14, 2026. Card terms change often, so confirm on the bank’s page before you apply. There are no affiliate or referral links on this site, ever; links go to the bank’s own page.