Saturday, August 13, 2022

How To Apply For Fidelity Credit Card

Don't Miss

Is The Fidelity Rewards Visa Signature Card Right For You

Fidelity Visa Rewards Credit Card (Best Credit Card of 2021)

If you already have a Fidelity account that youre using to save for retirement or college, then with a Fidelity® Rewards Visa Signature® Card could be a smart move. Thats especially the case if you enjoy straightforward rewards that dont require much thought or management.

But if you’re not a Fidelity customer and you prefer to have essentially immediate access to your rewards, youre better off looking elsewhere.

To find out how this card stacks up to the competition, see NerdWallet’s list of best credit cards.

To view rates and fees of the Blue Cash Everyday® Card from American Express, see this page.


NerdWallet reviews credit cards with an eye toward both the quantitative and qualitative features of a card. Quantitative features are those that boil down to dollars and cents, such as fees, interest rates, rewards and the cash value of benefits and perks. Qualitative factors are those that affect how easy or difficult it is for a typical cardholder to get good value from the card. They include such things as the ease of application, simplicity of the rewards structure, the likelihood of using certain features, and whether a card is well-suited to everyday use or is best reserved for specific purchases. Our star ratings serve as a general gauge of how each card compares with others in its class, but star ratings are intended to be just one consideration when a consumer is choosing a credit card. Learn how NerdWallet rates credit cards.

What Do Credit Card Companies Care About

The main factor used in determining whether an applicant is approved for a credit card is the persons credit score. Before you apply, you can ask for a free copy of your credit report and your score from each of the three main credit reporting agencies: Experian, Equifax and TransUnion. According to the Fair Credit Reporting Act, you are entitled to a free copy of your report from each agency every 12 months. However, you can also get an estimate of your score at any time from other free or low-cost services, such as Credit Karma.

A credit score below 580 is considered poor, 580-669 is considered fair, 670-739 is classified as good, 740 to 799 hits the level of very good and 800 to 850 is exceptional. On the low end of the spectrum, if your score is poor, it doesnt mean you wont qualify for a credit card. However, the cards you qualify for may have high yearly fees or high interest rates. Despite their shortcomings, these cards can be used to establish and build your credit when you dont have other better options available.

Determine What Type Of Card You Need

If youre a first-time applicant, its probably a good idea to shoot for a card with low or no annual fees and a low interest rate. You can do some comparison shopping on Credit Karma before you apply to get an idea of what youre looking for. In most cases, one card should be enough to start with, as it limits the risk of you getting confused by multiple payment due dates.

If you have no credit history at all or youve had trouble getting approved for an unsecured credit card in the past you might still qualify for a secured credit card, which requires a security deposit and is commonly used to build credit.

Another recommendation: Apply for a retail credit card. Julie Marie McDonough, author of How to Make Your Credit Score Soar, describes retail cards as the training wheels of credit cards, as the issuers tend to be more flexible about who qualifies for a card.

But these cards have some drawbacks, including high interest rates and fees, so its important to use them responsibly.

Read Also: Prequalify For Sears Credit Card

A Solid Cash Back Rate On Every Purchase

It doesnt take much effort to earn a solid amount of cash with this hassle-free cash back card. Instead of offering a higher rewards rate on certain types of purchases, the Fidelity Rewards Visa Signature card offers a simple 2 percent cash back rate on every purchase. The Fidelity cards rewards rate is much more generous than its competitors. Most flat rate cash back cards offer just 1.5 percent cash back on general purchases. As a result, cardholders who use their Fidelity card for all or most of their spending could build up an enviable amount especially since Fidelity doesnt limit how much you can earn. For example, just $1,300 in spending per month could net you more than $300 in earnings every year.

Fidelity Rewards Visa Signature Card

Fidelity Rewards Credit Card 2021 Review
Earn unlimited 2% cash back on everyday spending.
Balance Transfer FeeEither $5 or 3% of the amount of each transfer, whichever is greater.
Foreign transaction fee

The Fidelity Rewards Visa Signature card is not one of our top-rated cash back credit cards. You can review our list of the best cash back credit cards for what we think are better options.

You May Like: Companies That Use Transunion

Managing Your Credit Card

Go online or by phone: or contact Bankers’ Bank during normal business hours at 877-636-7244.

With Rewards Cards you may review Reward Points and Redeem through MyCardStatement or directly at

*See the card applications Important Disclosures for current terms, rates and fees. Cards issued by Bankers’ Bank, N.A. Subject to credit approval.

Fees To Watch Out For

The Fidelity Rewards Visa Signature card’s fees are in line with most cash back credit cards. Carefully consider the balance transfer fee of $5 or 3% of the amount of the balance transfer, whichever is greater, as it is possible to find cards that have an introductory period with no balance transfer fees. Watch out for the 1% foreign transaction fee, as well. While this fee is relatively low, many cards dont charge a foreign transaction fee at all.

Don’t Miss: Account Online Best Buy Credit Card

Odds Of Getting Approved For Fidelity Visa Signature

I think my credit is pretty good at the moment but only thing i feel is holding me back a little for this card is perhaps the overall age of my accounts. My oldest card is a little over 2.5yrs old and my FICO scores are in my signature. I recently applied for the Chase Freedom this january but wanted to add a 2% card to round out my spending as a whole. I know with Elan Financial, their underwriting is very strict and tbh the APRs on all my cards are pretty high . I never carry balances so i don’t worry about them at all but the apr of 15% makes it seem almost impossible to get this card. At what point would i have the greatest odds of getting this card? I know the Paypal Mastercard is the other option but i really like the perks of extended warranty on this card that I’d wanna have just in case.

TU: 743 | EQ: 742 | EX: 753

AAoA = 2 years, AAoOA = 3 year 1 months

I have never app’d with Elan or their parent company US Bank but I think you’d be in great shape for the Fidelity Visa. You have applied judiciously for credit and by the end of March will be 2/24 and 1/12, which is great! Your scores are solid and you have several other major bank cards with good limits. Good job!

Fidelity Credit Card Reviews

Fidelity Rewards Visa Credit Card Review (2% Cash Back!!!)

Though cashback is great, I wouldn’t use it as customer care doesn’t resolve your issues whether it’s with rewards or disputed transactions. The answer is “it’s done and nothing can be done”. I lost > 200$ because customer care mentioned that it’s done and nothing can be done even though I reported the case as soon as I could

+165 users submitted a rating without writing a full review

Page 1 of 3

WalletHub is an independent comparison service.

We work hard to show you up-to-date product terms, however, this information does not originate from us and thus, we do not guarantee its accuracy. When you click “Apply Now” you will be directed to the offering institution’s website. In addition, keep in mind that actual rates and other information may vary for a number of reasons including the applicant’s’ creditworthiness and differences between an individual’s situation and the criteria/assumptions used to generate the information displayed. Before submitting an application, always verify all terms and conditions with the offering institution. Please let us know if you notice any differences.

Ad Disclosure: Offers originating from paying advertisers are noted as Sponsored at the top of this page. Advertising may impact how and where offers appear on this site . At WalletHub we try to present a wide array of offers, but our offers do not represent all financial services companies or products.

Read Also: Cabela Credit

Fidelity 529 Credit Card Benefits

  • Rewards: Unlimited 2 points per $1 spent on all purchases.
  • Purchase protection: Replaces, repairs, or reimburses you for eligible items purchased with the Fidelity 529 Credit Card, up to a preset amount, for 90 days from the date of the purchase, due to covered reasons.
  • Travel accident insurance: Coverage for common carrier accidental death or dismemberment at no extra cost when you charge your travel fare to the Fidelity 529 Credit Card.
  • Lost luggage reimbursement: When purchasing your travel far with the Fidelity 529 Credit Card, you are eligible for reimbursement for luggage and its contents in the event of theft or misdirection by the common carrier.
  • Roadside dispatch: You get 24/7 pay-per-use roadside assistance for towing, tire changes, jump starts, lockout services and more.
  • Travel and emergency services: 24/7 access to a multilingual call center that helps you with medical and legal referrals, emergency transportation and more.
  • Card and cash replacement: If your Fidelity 529 Credit Card is lost, stolen or damaged, you can get a replacement/emergency card and/or cash disbursements.
  • Special offers: You can get discounts and other special offers from various retailers and service providers.
  • Events: Complimentary movie screenings and dining events, including reserve wine tastings and on-site winery benefits.

If Your Application Is Declined

Make sure that you’re eligible to apply for Apple Card. You can also see which conditions might cause your application to be declined, and learn what you can do if your application is approved with insufficient credit to purchase a particular Apple device.

If you need help applying for Apple Card, contact Apple Support.

Don’t Miss: Ulta Visa Credit Card

Using Your Account And Card

You have agreed to be bound by the terms of the Agreement and any subsequent amendments by submitting your credit application for an Account with us and by the continued use of your Card and the Account following applicable notice of any amendments.

You and your Authorized Users may use your Card and the Account for making Purchases and for obtaining Cash Advances and Balance Transfers, as permitted by the Agreement and applicable law. Failure to sign a transaction document for a Purchase or any document used to obtain a Cash Advance or Balance Transfer does not relieve you of liability for purchases made, cash received, or balances transferred.

The Card may also be used to obtain Cash Advances from certain automated equipment provided it is used with the correct Personal Identification Number issued to you or an Authorized User. Unless otherwise prohibited by law or protected pursuant to any VISA benefit program which limits such liability, you will be liable for the unauthorized use of a Card or PIN which was issued on the Account if such use occurs before we receive notification orally or in writing of the loss, theft or possible unauthorized use of a Card or PIN. Lost or stolen Cards or PINS should be reported immediately to us by notifying Fidelity Bank at PO Box 5990, Metairie LA 70009, Attn: Electronic Banking Dept. and by telephone at 599-7889.

How To Apply For Fidelity Credit Card

Fidelity Credit Card
  • Visit the Fidelity credit card website.
  • Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, and annual income.
  • Check the information is accurate and submit your application.

If your credit score is preventing you from qualifying for this credit card, check out our guide for the best credit cards for bad credit.

Fidelity Rewards Visa Signature Card DisclosureSuperMoney DisclosureEditorial Disclaimer

Don’t Miss: Cabelas Credit Card Online

Your Rights If You Are Dissatisfied With Your Card Purchases

If you are dissatisfied with the goods or services that you have purchased with your Card, and you have tried in good faith to correct the problem with the merchant, you may have the right not to pay the remaining amount due on the purchase.

To use this right, all of the following must be true:

  • The purchase must have been made in your home state or within 100 miles of your current mailing address, and the purchase price must have been more than $50.
  • You must have used your Card for the Purchases made with Cash Advances from an ATM or with a check that accesses your Card account do not qualify.
  • You must not yet have fully paid for the purchase.
  • If all of the criteria above are met and you are still dissatisfied with the purchase, contact us in writing at:

    Fidelity BankP.O. Box 5990Metairie, LA 70009

    While we investigate, the same rules apply to the disputed amount as discussed above. After we finish our investigation, we will tell you our decision. At that point, if we think you owe an amount and you do not pay, we may report you as delinquent.

    If Your Application Is Approved

    You have up to 30 days to accept your offer. If you accept your offer and add Apple Card to your eligible iPhone or iPad, you can:

    Recommended Reading: Apply For Best Buy Visa Card

    Important Information About The Military Lending Act & Additional Terms And Conditions Applicable To Active Duty Servicemembers And Their Dependents

    Payment Obligation: Federal law requires that you receive a clear description of your required payments. Please review our various disclosures and the Agreement carefully to understand your payment obligations. Please call us at either 599-7889 or the customer service telephone number provided on your Statement if at any time you would like to receive a Statement of the Military Annual Percentage Rate and a description of your payment obligation. You may also send this request in writing to us at: Fidelity Bank, Electronic Banking Department, P.O. Box 5990, Metairie, LA 70009.

    Option One: Visit A Branch

    Fidelity Signature Rewards Credit Card (2020 Update)

    For checking customers, there are two main ways to acquire a debit card. The first way is to walk into any Fidelity Bank branch for a preprinted card. All you need with you is a valid drivers license. To be eligible, you must be over 16, and those who are under 18 need to be accompanied by a parent or guardian. The process is quick and easy. In five to 10 minutes, you will walk out with an instant-issue card that is active and ready to use.

    Don’t Miss: Citibank My Best Buy Credit Card

    Fidelity Rewards Visa Signature Credit Card* Vs Citi Double Cash Card

    The Fidelity® Rewards Visa Signature® Credit Card* earns the same flat-rate 2% cash back as the Citi Double Cash Card . While both cards are simple to use from an earnings and redemption standpoint, the Citi Double Cash card doesnt require a Fidelity account and offers a 0% introductory rate on balance transfers for 18 months, followed by a variable APR of 13.99% to 23.99%. The Fidelity card, however, offers some travel protections through its Visa Signature status that the Citi Double cash, which runs on the Mastercard network, does not.

    What Will Happen After We Receive Your Letter

    When we receive your letter, we must do two things:

  • Within 30 days of receiving your letter, we must tell you that we received your We will also tell you if we have already corrected the error.
  • Within 90 days of receiving your letter, we must either correct the error or explain to you why we believe the bill is
  • While we investigate whether or not there has been an error:

    • We cannot try to collect the amount in question, or report you as delinquent on that
    • The charge in question may remain on your Statement, and we may continue to charge you interest on that
    • While you do not have to pay the amount in question, you are responsible for the remainder of your
    • We can apply any unpaid amount against your credit

    After we finish our investigation, one of two things will happen:

    • If we made a mistake: You will not have to pay the amount in question or any interest or other fees related to that
    • If we do not believe there was a mistake: You will have to pay the amount in question, along with applicable interest and We will send you a statement of the amount you owe and the date payment is due. We may then report you as delinquent if you do not pay the amount we think you owe.

    You May Like: Citibank Best Buy Payment

    More articles

    Popular Articles