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About Our Ratings

Fidelity® Investment Rewards® American Express® Card Review

Our editor's take

Curtis Arnold CardRatings Managing Editor
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In addition to offering one of the highest cash-back rates available, these cards make earning and redeeming rewards simple. Our editors love that this card encourages saving.
Curtis Arnold
Curtis Arnold
CardRatings Editor

Fidelity® Investment Rewards® American Express® Card details

Balance Transfer Intro APR:
0%
Balance Transfer Intro Period:
APR:
7 billing_cycles
Balance Transfer Fee:
4% ($10 min. )
Annual Fee:
None
see more details ∨

Credit Card Rate Information:


 
  Purchase
  Balance Transfer
  Cash Advance
Index:
 Prime
 Prime
 Prime
Margin:
 10.74
 10.74
 16.74 - 21.74
APR:
  13.99% Variable
 13.99% Variable
 19.99% - 24.99% Variable
APR Floor:
 None
 None
 None
Intro Rate:
 None
 0%
 None
Intro Period:
 None
 7 billing_cycles
 None


Finance Calculation Method:
 Average Daily Balance
Default/Penalty APR:
 Up to 29.99% Variable
Default/Penalty Margin:
 Up to 26.74
Default/Penalty APR Floor:
 
Maximum Default APR:
 29.99% Variable
Penalty/Default Trigger:
 This APR may be applied to new transactions on your account if you make a late payment.

Credit Card Fee Information:


Annual Fee:
 None
Foreign Transaction Fee:
 1%
Late Fee:
 N/A
Over-the-limit Fee:
 None
Balance Transfer Fee:
4% ($10 min. )  


Notes:

Rebate Description:
 Earn 2 points for every dollar in net retail purchases charged to the Card. There's no limit to the rewards you can earn. For every $2,500 in purchases you make, $50 can be automatically deposited into your eligible Fidelity account. You can also enjoy the flexibility to redeem points into other eligible Fidelity accounts. Or, you can choose to redeem your points for travel with no blackout dates, gift certificates, or other items.
Special Notes:
 APR for Balance Transfers: 0.00% Introductory APR for the first 7 Statement Closing Dates following the opening of your account for transactions made within 60 days of opening your account. After that, your APR will be 13.99%. This APR will vary with the market based on the Prime Rate. Penalty APR: Up to 29.99%, based on your creditworthiness. If your APRs are increased, the Penalty APR will apply indefinitely. Balance Transfer Fee: Either $10 or 4% of the amount of each transfer, whichever is greater. Direct Deposit and Check Cash Advance Fees: Either $10 or 4% of the amount of each transaction, whichever is greater. ATM, Over-the-Counter and Cash Equivalent Cash Advance Fees: Either $10 or 5% of the amount of each transaction, whichever is greater. Foreign Transaction Fee: American Express (1) converts charges made in foreign currencies to U.S. dollars using a rate selected on the business day prior to the day on which the charges are processed by American Express and (2) applies a 1% commission to the converted amount.
Credit Card More Information:

Card Issued By:
 Fidelity Investments
General Correspondence Address:
 82 Devonshire Street
Card Type:
 American Express
Card Class:
 Other
Card Category:
 Reward
States Available In:
 ALL
Minimum Credit Limit:
 
Maximum Credit Limit:
 
Credit Limit Notes:
 

What Fidelity Investments says about this card

  • Earn 2% cash back on purchases each time you use your card when you direct your deposit into your eligible Fidelity account: every $2,500 spent equals a $50 deposit.
*This information about Fidelity® Investment Rewards® American Express® Card has been collected by CardRatings.com and has not been reviewed or provided by the issuer of this card.

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Our editors rate credit cards objectively based on the features the credit card offers consumers, the fees and interest rates, and how a credit card compares with other cards in its category. Ratings vary by category, and the same card may receive a certain number of stars in one category and a higher or lower number in another.

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