Fidelity® Rewards Visa Signature® Card
Simple 2% Cash Back on Everything
Annual Fee
$0
Earning Rate
2x on all purchases (2 points per $1) • 2% value only when depositing rewards into an eligible Fidelity account
Welcome Bonus
No public welcome bonus
Card Material
Plastic card with standard finish • colors: Fidelity green (design may vary)
Practical Recommendation
If you want "set it and forget it" cash back, this is it: a clean 2% with no categories or caps, best used by auto-depositing rewards into a Fidelity account (brokerage, IRA, HSA, 529). That's how you actually get the full 2% value.
It's rare to find a 2% cash back card with no foreign transaction fees at a $0 annual fee. Most flat 2% cards either charge foreign transaction fees or have annual fees, making this a standout option for international travelers or anyone who wants simple, consistent rewards.
Credits
Practical Advice
Since this card has no annual fee, any credits are pure bonus value. You're not paying for these perks, so they're just nice-to-have extras.
- TSA PreCheck / Global Entry credit – Earn up to $100 (10,000 points or $100 statement credit) when you pay the TSA PreCheck or Global Entry fee with the card; valid once every 4 years. Posts in 2–3 billing cycles. Works for either program (Global Entry includes TSA PreCheck).
Perks
- 2% back when redeemed to Fidelity – Earn 2 points per $1 on everything; you get the full 2% only when you deposit to an eligible Fidelity account (brokerage, IRA, HSA, 529, etc.).
- No foreign transaction fees – Good for international travel; you won't pay extra on non-USD purchases.
- TSA PreCheck / Global Entry credit – Up to $100 in points or statement credit every 4 years when you pay the fee with the card.
- Visa Signature extras – Access to the Visa Signature Luxury Hotel Collection perks (late checkout, room upgrade when available) and 24/7 concierge; nice-to-have, not trip-defining.
Protections
- Auto Rental Collision Damage Waiver (CDW) – Covers damage/theft to the rental car up to $75,000. Secondary in the U.S.; can be primary if you have no personal auto insurance or when renting outside your country of residence. Decline the rental agency's CDW.
- Purchase Security – Reimburses, repairs, or replaces eligible items damaged or stolen within 90 days; up to $500 per claim, up to $50,000 per cardholder.
- Lost Luggage Reimbursement – Up to $3,000 per covered trip when tickets are paid with the card.
Notes & Gotchas
- You can auto-redeem monthly to eligible Fidelity accounts; historically there was a 2,500-point ($25) minimum to redeem, but Fidelity announced that the min has been removed for cash/statement-credit redemptions (older pages may still show the threshold).
- Redeeming as statement credit or non-cash options can be worth less than 2%. The clean 2% math assumes deposit into an eligible Fidelity account.