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If you live in the United States and want a credit card that offers fixed cashback of 2% on all purchases — and still contribute directly to your investments — the Fidelity Rewards Visa Signature Card is one of the smartest options on the market.
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With no annual fee, Visa Signature benefits, and direct integration with Fidelity accounts, it's ideal for those seeking convenience and long-term financial returns.
Step by Step Guide to Applying for the Fidelity Rewards Visa
1. Check your eligibility
Before applying, please check that you meet the basic requirements:
- Residing legally in the United States
- Be 18 years of age or older
- Have a Social Security number (SSN)
- Have an active account on Fidelity Investments (can be opened at the time of request)
- Good or excellent credit history (score 690 or higher)
2. Access the Fidelity website
The request must be made directly on Fidelity's official website. Go to the credit cards section and click on "Apply Now” to start the application.
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3. Complete the application form
You will need to provide your personal and financial details, such as:
- Full name
- US residential address
- SSN number
- Information about your annual income
- Employment data
- Fidelity account number (or open one during the process)
4. Submission of documents (if requested)
Approval is generally automated, but in specific cases, the issuing institution (Elan Financial Services) may request:
- Photo ID (ID, driver's license, passport)
- Proof of residence
- Proof of income
5. Wait for the credit analysis
Most applications are processed quickly—sometimes within minutes. If approved, you'll receive your card in the mail within 7 to 10 business days.
Required Documents
✅ Valid US ID
✅ SSN number
✅ Fidelity Account (opened or created in the process)
✅ Proof of residence (if requested)
✅ Proof of income (in case of additional verification)
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Fidelity Rewards Visa Conditions and Benefits
- Annuity: ❌ None
- APR (interest): 19.24% to 29.99% (variable)
- Cashback: 2% on all eligible purchases
- Automatic Redemption: Points can be automatically deposited into Fidelity accounts such as:
- Individual brokerage account
- Retirement Account (IRA)
- Emergency fund
- College Account (529)
- Flag: Visa Signature
- International Rate: ❌ Zero
- Issuer: Elan Financial Services
- Recommended Score: From 690 (good credit)
Who This Card Is For
✅ People who already have (or intend to have) a Fidelity account
✅ Those who want fixed and simple cashback, without rotating categories
✅ Users who value integration with investments
✅ Anyone looking for a card with no annual fee and Visa Signature protection
❌ May not be ideal for those looking for mileage programs or variable rewards with category bonuses
❌ Less attractive if you don't intend to invest with Fidelity
Conclusion
The Fidelity Rewards Visa Signature Card is a card that turns every expense into a direct contribution to your financial future. Ideal for investors, it offers 2% unlimited cashback on all purchases, with the advantage of automatic redemption for Fidelity accounts — effortless, fee-free and completely convenient.
With the Visa Signature benefits, no annual fee, and zero international fees, it's a versatile credit solution for those thinking long-term. An excellent choice for those who want to use the card as an investment and financial control tool.