topic Re: Fidelity Rewards Visa Signature Card in Credit Cards

Fidelity Rewards Visa Signature Card

Wavester64 — Fri, 27 Mar 2026 15:38:51 GMT

Sorta interested in getting this one.

I lightly looked up about it, but wanted to hear from my fellow MF'ers what they

think about the CC? Pros, Cons? What CB do they pull?

Re: Fidelity Rewards Visa Signature Card

Varsity_Lu — Fri, 27 Mar 2026 15:48:11 GMT

Got this card last fall. Love it. I got a $21,200 starting limit and they pulled Trans Union. I love that it is a no annual fee Visa Signature with no FTF. I have redemption auto deposited into my Cash Management account each month. Super easy 2% card that never leaves my wallet. Also has $100 TSA reimbursement and auto rental collision damage waiver if you need that. In my opinion it's the best 2% card out there.

Re: Fidelity Rewards Visa Signature Card

Wavester64 — Fri, 27 Mar 2026 15:50:01 GMT

@Varsity_Lu wrote:
Got this card last fall. Love it. I got a $21,200 starting limit and they pulled Trans Union. I love that it is a no annual fee Visa Signature with no FTF. I have redemption auto deposited into my Cash Management account each month. Super easy 2% card that never leaves my wallet. Also has $100 TSA reimbursement and auto rental collision damage waiver if you need that. In my opinion it's the best 2% card out there.

Thanks @Varsity_Lu

I have nothing with Fidelity at the moment (I used to with one of my former employers, but not anymore) So if I apped for this card, I would have to get a Cash Management account as well I presume? Is there a minimum balance required for this account?

Re: Fidelity Rewards Visa Signature Card

Varsity_Lu — Fri, 27 Mar 2026 16:09:18 GMT

No fees or minimums. They give you a debit card and free physical checks. Return right now is 3.28% which is a bit higher than the major HYSA. Also, they reimburse all ATM fees for withdrawals, even overseas. I have switched all my savings and checking over to Fidelity since Capital One switched my debit card to the Disco Network. I have several accounts with them: Cash Management (checking), Brokerage (savings), HSA, Roth IRA (me and my wife).

Re: Fidelity Rewards Visa Signature Card

Wavester64 — Fri, 27 Mar 2026 16:59:09 GMT

@Varsity_Lu wrote:
No fees or minimums. They give you a debit card and free physical checks. Return right now is 3.28% which is a bit higher than the major HYSA. Also, they reimburse all ATM fees for withdrawals, even overseas. I have switched all my savings and checking over to Fidelity since Capital One switched my debit card to the Disco Network. I have several accounts with them: Cash Management (checking), Brokerage (savings), HSA, Roth IRA (me and my wife).

Excellent, thanks @Varsity_Lu

Re: Fidelity Rewards Visa Signature Card

FicoMike0 — Fri, 27 Mar 2026 22:38:42 GMT

Say @Varsity_Lu

Is that primary or secondary auto rental collision damage waiver? I've been looking for primary, most cards that offer it are fee cards.

Last time I rented, I went with amex. They offer it for $20, good for up to 30 day rental. Not free, but no daily charge.

Re: Fidelity Rewards Visa Signature Card

Varsity_Lu — Fri, 27 Mar 2026 23:39:19 GMT

@FicoMike0 wrote:
Say @Varsity_Lu
Is that primary or secondary auto rental collision damage waiver? I've been looking for primary, most cards that offer it are fee cards.
Last time I rented, I went with amex. They offer it for $20, good for up to 30 day rental. Not free, but no daily charge.

@FicoMike0 Secondary, but it reimburses you for any deductable paid to your primary. It also cover towing and loss-of-use charges by the rental company.

If you don't have auto insurance or if you rent outside the US, it is primary insurance.

Re: Fidelity Rewards Visa Signature Card

ElvisCaprice — Sat, 28 Mar 2026 03:21:06 GMT

If it was me, I would get the AVEN Visa (no heloc version). 3% on the first 10k per year, then 2% unlimited after. No FTF. With referral you currently get, a one time, 4% on the first 10k, stacked. No HP on application, unless approved.

After getting a RH Gold for 3% backup, I closed my Fidelity Rewards Visa. Was never using it, why settle for only 2%? I do bank with Fidelity.

Re: Fidelity Rewards Visa Signature Card

ptatohed — Sat, 28 Mar 2026 04:47:09 GMT

In my opinion, I can't see getting a 2% card these days. If I did, I would pick up one with a welcome offer. Or, go for a 3% card. You can get an Aven 3% card like EC suggested. You can get a RH Gold 3% card if you can justify the Gold membership (they do have IRA match which can more than cover the annual subscription). You can get an AOD VS 3% card if you don't mind a taxing application process and a $1500/mo cap (W64, don't you already have an AOD?). You can get a citi Double Cash (3%!) card with a nice $200 welcome offer if you are willing to pay your bill with a 1% debit card (1% when you spend, 2% when you pay!).

Welcome offers can be very powerful. It takes a lot of spending at 2%, even 3%, to get the same $200 you can easily get from a welcome offer. For instance, even a 3% no welcome offer card won't beat a 2% + $200 welcome offer card until after $20,000 spend!

Re: Fidelity Rewards Visa Signature Card

DONZI — Sat, 28 Mar 2026 07:15:22 GMT

RE: AVEN cards

Looked interesting to me until I read that the reward points are influenced by auto-pay.

Non HELOC: If AutoPay is off, you will earn 0 Points per $1 spent on Net Eligible Purchases

HELOC: 1.5 points per $1

Re: Fidelity Rewards Visa Signature Card

ptatohed — Sat, 28 Mar 2026 07:46:27 GMT

@DONZI wrote:
RE: AVEN cards

Looked interesting to me until I read that the reward points are influenced by auto-pay.

Non HELOC: If AutoPay is off, you will earn 0 Points per $1 spent on Net Eligible Purchases
HELOC: 1.5 points per $1

So, turn auto-pay on. I have all my cards set to auto pay in full. The only time I don't rely on auto pay in full is when I want to beat the auto pay to my citi cards so I can pay my citi cards with a 1% debit card. But auto pay is still on.

Re: Fidelity Rewards Visa Signature Card

Varsity_Lu — Sat, 28 Mar 2026 08:25:40 GMT

@ptatohed wrote:
@DONZI wrote:
RE: AVEN cards

Looked interesting to me until I read that the reward points are influenced by auto-pay.

Non HELOC: If AutoPay is off, you will earn 0 Points per $1 spent on Net Eligible Purchases
HELOC: 1.5 points per $1
So, turn auto-pay on. I have all my cards set to auto pay in full. The only time I don't rely on auto pay in full is when I want to beat the auto pay to my citi cards so I can pay my citi cards with a 1% debit card. But auto pay is still on.

Auto pay only works if you have a faitly large stash of cash in a checking or savings account that can buffer drafts. Personally, I spread my money around and don't trust auto pay to not draft the right amount or pull at the wrong time causing an over draft or missed payment. I'd much rather manage payments myself so I know exactly what is being paid when.

Re: Fidelity Rewards Visa Signature Card

ptatohed — Sat, 28 Mar 2026 08:28:51 GMT

@Varsity_Lu wrote:
@ptatohed wrote:
@DONZI wrote:
RE: AVEN cards

Looked interesting to me until I read that the reward points are influenced by auto-pay.

Non HELOC: If AutoPay is off, you will earn 0 Points per $1 spent on Net Eligible Purchases
HELOC: 1.5 points per $1
So, turn auto-pay on. I have all my cards set to auto pay in full. The only time I don't rely on auto pay in full is when I want to beat the auto pay to my citi cards so I can pay my citi cards with a 1% debit card. But auto pay is still on.
Auto pay only works if you have a faitly large stash of cash in a checking or savings account that can buffer drafts. Personally, I spread my money around and don't trust auto pay to not draft the right amount or pull at the wrong time causing an over draft or missed payment. I'd much rather manage payments myself so I know exactly what is being paid when.

Answer: HYCA

Re: Fidelity Rewards Visa Signature Card

digitek — Sat, 28 Mar 2026 16:36:45 GMT

@ptatohed wrote:
@Varsity_Lu wrote:
@ptatohed wrote:
@DONZI wrote:
RE: AVEN cards

Looked interesting to me until I read that the reward points are influenced by auto-pay.

Non HELOC: If AutoPay is off, you will earn 0 Points per $1 spent on Net Eligible Purchases
HELOC: 1.5 points per $1
So, turn auto-pay on. I have all my cards set to auto pay in full. The only time I don't rely on auto pay in full is when I want to beat the auto pay to my citi cards so I can pay my citi cards with a 1% debit card. But auto pay is still on.
Auto pay only works if you have a faitly large stash of cash in a checking or savings account that can buffer drafts. Personally, I spread my money around and don't trust auto pay to not draft the right amount or pull at the wrong time causing an over draft or missed payment. I'd much rather manage payments myself so I know exactly what is being paid when.

Answer: HYCA

Like a Fidelity CMA account?

I'm a big fan of the Fidelity 2% card, I already have accounts with them, there is no cap or FTF, it can auto redeem with no minimum into a Fidelity account, has some decent benefits, stupidly easy to use, don't even have to do anything. Any other card over 2% non category seems to have some complications that go along with it.

When the Smartly v1 changes (we all know it will) I'm just going to move the IRA back to Fidelity and use their 2% card. I'm at a point in my life where I will pay a small price for things to just be simple.

Re: Fidelity Rewards Visa Signature Card

ahmeyer — Sat, 28 Mar 2026 18:03:20 GMT

What is the Smartly V 1?

Re: Fidelity Rewards Visa Signature Card

FicoMike0 — Sat, 28 Mar 2026 21:46:38 GMT

@Varsity_Lu

I like to manage which account I pay from as well. I just set autopay to min.

Re: Fidelity Rewards Visa Signature Card

ElvisCaprice — Sun, 29 Mar 2026 02:28:11 GMT

@DONZI wrote:
RE: AVEN cards

Looked interesting to me until I read that the reward points are influenced by auto-pay.

Why would you NOT use auto-pay? Aven makes it very simple, stands right out, to enable auto-pay in account settings. You can do the minimum, statement balance, custom amount, or they even allow current balance twice a month. I use Fidelity CMA as my external bank of payment.

And by the way, for the AVEN Rewards Visa, if for some crazy reason you didn't enable the autopay, they would pay me 1.5%. Just to get the correct information out there.

Currently I am getting 5% on 10k, with the referral subs. Love this card!!

Get a referral for 4%, then refer your significant other for another one @4%, yours goes to 5%. Easy.

Re: Fidelity Rewards Visa Signature Card

DONZI — Sun, 29 Mar 2026 10:26:40 GMT

And by the way, for the AVEN Rewards Visa, if for some crazy reason you didn't enable the autopay, they would pay me 1.5%. Just to get the correct information out there.

Oh?

The information I posted is from their website (footnote 2) for the Aven Unlimted Cash Back Rewards card.

My reason(s) for not using autopay is not crazy and are not your concern.

Re: Fidelity Rewards Visa Signature Card

Varsity_Lu — Sun, 29 Mar 2026 12:08:01 GMT

@ElvisCaprice wrote:
And by the way, for the AVEN Rewards Visa, if for some crazy reason you didn't enable the autopay, they would pay me 1.5%. Just to get the correct information out there.

Seems pretty clear to me: you get 0% without auto-pay. And that begs the question: why do they demand auto-pay? Aven seems off to me. It has for a while.

And there are lots of reasons not to turn on auto-pay. Incorrect draft amounts, incorrect draft dates, failed drafts, etc. I have over a dozen bills and subscriptions auto-charged to my credit cards each month and almost every month something gets messed up. I'm ok with an error posting to a credit card, but not an error to my bank account. Big difference.

Re: Fidelity Rewards Visa Signature Card

Vinjints — Sun, 29 Mar 2026 12:57:53 GMT

I can confirm two things.

When I was first setting my auto pay, there was an option for 1.5% without autopay. Looks like maybe they have changed that. It didn't appear they were as up and running when I first got my card because I had to get confirmation on the 2% and 6%, which took some back and forth.

Second, there is something off or different about them. I get new notices, almost weekly in their app, for balance transfers with the exact amount owed to other cards. They seem to do a hefty amount of digging around (soft pulls I assume).