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Card Information
Who may apply for a Fidelity Rewards Credit Card?
Anyone who resides in the United States and is 18 years or older may apply for a Fidelity Rewards Credit Card, but to receive the Fidelity Rewards benefits as a contribution to a Fidelity account, you must link your card to an open and funded eligible Fidelity account. Elan Financial Services reviews all applications. Minors, corporations, funded eligible Fidelity account partnerships, and trusts cannot participate. Fidelity is not involved with credit card qualification decisions and cannot guarantee that any existing Fidelity customer will be eligible for this card.
How can I apply?
It’s easy! Apply online.
How can I check the status of my application?
Calll 1-800-364-9648 and choose Option 2 for the status of an application. For your security, you will be required to enter your Social Security number. Additional verification items may also be needed.
Is there an annual fee?
There is no annual fee.
How long will it take to receive my card?
You’ll receive notification of the status of your application within 7–10 business days.
How do the Fidelity Rewards Credit Cards work if I elect to deposit my rewards in a tax-advantaged IRA or a 529 plan at Fidelity?
Here are some things to keep in mind if you want to deposit your Fidelity Rewards into these accounts:
- All IRA and 529 plan contributions resulting from the card will be considered current-year contributions. The ability to contribute to an IRA or 529 college savings plan account is subject to IRS rules and specific program policies, including those on eligibility and annual and maximum contribution limits.
- To the extent that you are not eligible to make an IRA or 529 plan contribution or have already made your maximum IRA or 529 plan contribution for the year, any additional contributions can subject you to IRS excise taxes. It is your responsibility to ensure that any deposits to your Fidelity account are eligible contributions and do not violate the terms of your Fidelity accounts, applicable IRS contribution rules, or limitations or other applicable laws or regulations. Consult your tax advisor concerning tax consequences.
- Prior to accepting the transfer of points from Elan Financial Services, Fidelity will check to verify whether you have reached your maximum contribution amount with Fidelity for that year. If we determine that a customer has fully contributed to his or her Fidelity IRA accounts for that year or reached the maximum contribution limit on his or her Fidelity-managed 529 plan account, Fidelity will not accept the points transfer, and the customer’s points will continue to accrue at Elan Financial Services. Customers can continue to let points accrue until the next year, or they can redeem these points for other rewards, such as travel, merchandise, gift cards or a statement credit.
- Under IRS rules, individuals who do not have earned income are generally not eligible to make IRA contributions. Spousal IRAs are not eligible.
- IRS rules also prohibit IRA contributions from being made to Traditional and Rollover IRAs for the year an IRA owner reaches age 70½ and beyond.
- If you are also making contributions to another company’s IRA, Fidelity is unable to monitor whether you have maximized your total annual IRA contributions, nor will we be able to stop the reward contribution from going to your Fidelity IRA.
How do I make mobile payments with my Fidelity® Visa Signature® Card?
Whether you’re an Apple, Samsung, or Android user, mobile purchasing is possible and offers you an easy and secure way to pay using your credit card. Mobile payment technologies use encrypted card numbers – which means your card information isn’t shared with a merchant.
To get started, simply add your card to your device. Here’s how:
Apple Pay®
It’s simple to get started with Apple Pay. There are no apps to download; you simply need to add your credit card.
- Add your credit card to the iPhone Wallet® by taking a picture of it with your iPhone’s camera.
- Add your security code – found on the back of your card and verify your information.
- Use Apple Pay by holding your phone near a payment terminal that accepts contactless payments. Apple Pay will automatically launch and you’ll approve the purchase with your finger print.
Samsung Pay
Samsung Pay works nearly everywhere you can swipe your card.
- Add your credit card to the Samsung Pay app by taking a picture of it with phone’s camera.
- You’ll be asked to secure your card with your fingerprint and a PIN.
- Once your card is added, you can use Samsung Pay at checkout by swiping upwards on your phone’s screen and holding it near a payment terminal.
Android Pay™
The Android Pay app is pre-loaded onto many Android devices, but if your device doesn’t have it, you can download it from Google Play.
- Add your credit card to the Android app by taking a picture of it with phone’s camera.
- Once your card is added, simply unlock your phone and hold it near the retailer’s payment terminal that accepts contactless payments.
- It’s also simple to use Android Pay inside many popular apps. No need to remember a password – just use Android Pay.
Earning and Redeeming Points
How do I earn Fidelity Rewards points?
You earn 2 points for every $1 that you spend on net purchases (purchases minus credit and returns) that you charge with your Fidelity® Rewards Visa Signature® card. In order to earn points, your account must be in good standing according to the terms of your Cardmember Agreement.
Transactions that do not earn reward points include:
- You do not earn points on credits to your account, returns, balance transfers, interest charges and fees, fraudulent charges, and other types of transactions that do not count towards the net amount.
How are points redeemed into a Fidelity account?
You can choose to have your points automatically redeemed for a cash deposit into your eligible Fidelity account(s) on a monthly basis, or you can choose to accrue points and redeem them on demand at any time.
Automatic Redemption Setup
You can set up your Fidelity Rewards for automatic redemption by adding your eligible Fidelity account(s) to receive cash deposits. If you need further assistance, call Cardmember Service at 888-551-5144. At the end of each month, if you have reached the 5,000 point minimum, your points will automatically be converted to the equivalent dollar amount and that amount will be deposited into your designated eligible Fidelity account.
On Demand Redemptions
If you do not want your points automatically deposited into your Fidelity account(s), you can choose to accrue points continuously and redeem them at any time you choose once you have reached the 5,000 point minimum. If you need further assistance, call the Cardmember Service at 888-551-5144.
What Fidelity accounts are eligible for a deposit?
Eligible accounts include most nonretirement registrations as well as Traditional IRA, Roth IRA, Rollover IRA, SEP IRA, and Fidelity®-managed 529 College Savings Plan accounts and certain advisor-sold Fidelity®-managed 529 College Savings Plan accounts. The ability to contribute to an IRA or 529 college savings plan account is subject to IRS rules and specific program policies, including those on eligibility and annual and maximum contribution limits. The list of eligible registration types may change without notice at Fidelity's sole discretion. For more information about whether a particular registration is eligible, please call 800-FIDELITY (800-343-3548).You will need to contact your advisor to determine whether your advisor-sold-Fidelity®-managed 529 College Savings Plan account is eligible for this program.
How many points do I need to earn in order to redeem them?
If you choose to redeem points for a cash deposit into your eligible Fidelity account(s), you must have a minimum of 5,000 points. If you choose to redeem your points for travel options, merchandise, gift cards, and/or a statement credit, rewards offers begin at 2,500 points. The redemption value is different if you choose to redeem your points for other rewards than Fidelity Rewards.You will need to contact your advisor to determine whether your advisor-sold Fidelity®-managed 529 College Savings Plan account is eligible for this program.
What types of rewards are available?
Redeem your points for a variety of exciting reward options, including a cash deposit into an eligible Fidelity account(s). You can also choose from Fidelity Rewards, travel, merchandise, gift cards, or a statement credit. Please visit the Rewards Center for more details on your reward options. The 2% rewards value applies only to points redeemed for a deposit into an eligible Fidelity account. The redemption value is different if you choose to redeem your points for other rewards.
Where can I find out how many points I have earned?
The monthly Fidelity Rewards credit card statement that you receive shows how many points you have earned for each billing period. You can also access your Fidelity Rewards credit card information at Fidelity.com.
What is the cap on the amount of points I can earn or redeem?
There are no caps to the amount of points you can earn or redeem.
Can my points expire?
Any points you earn will not expire.
Can I use my points to initially fund a newly opened Fidelity account?
No, you can only redeem rewards into a previously opened and currently funded Fidelity account. If your account isn't adequately funded, the rewards points won't transfer into the account. Minimum investment requirements vary by account type.
How are my points that are redeemed as a cash contribution into my Fidelity account going to be invested?
Points redeemed as a cash contribution into a Fidelity account will be deposited into the core position of your brokerage, Fidelity® Cash Management Account, or Fidelity IRA account. If you are depositing into a Fidelity-managed 529 account, it will be deposited at the closing day market price on the day the funds are transferred into your Fidelity account. They are invested according to the standing allocation instructions on the designated account.
Can I direct my rewards deposit into a friend or family member's eligible Fidelity account?
Yes, having the Fidelity Visa Signature® card allows you to direct your rewards points to a friend or family member's eligible Fidelity account. For example, a grandparent can help with a grandchild's college fund by depositing points into a Fidelity-managed 529 plan account. Many other Fidelity accounts are eligible for this benefit, including brokerage, retirement or Cash Management Accounts.
Are Reward points earned taxable?
Consult your tax adviser should you have questions about the taxability of your points.
Making Your Payments
How can I make a payment?
To pay your bill online visit your portfolio in Fidelity.com and select your credit card or enroll at FidelityRewards.com/login. Or, mail your payment to Cardmember Service, P.O. Box 790408, St. Louis, MO 63179-0408.
Additional Questions
Who should I call with questions about my account?
Contact Cardmember Service at 888-551-5144 or the number on the back of your card, we’re available 24/7.
How do I access my account online?
You can access your Card account online by visiting your portfolio in Fidelity.com and selecting your credit card, or enrolling at FidelityRewards.com/login.
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