Cards
RewardsFidelityNo Annual Fee
Fidelity Rewards Visa
Key facts
Annual feeNo annual fee
Rewards currencyFidelity Rewards Points
Recommended creditGood credit (690+)
Global Entry / TSA PreCheckCredit included
Near all-time high offer
Current sign-up bonus
No welcome/sign-up bonus is currently offered on this card.≈ $150 value
Reward rates
2% on everything else
Annual credits
This card has annual credits — check the issuer's site for current details.
Travel benefits
Travel Accident Insurance
$250,000 Worldwide Automatic Travel Accident Insurance (AD&D) for cardholder, spouse, and unmarried dependent children when the entire common-carrier fare is charged to the card. Underwritten by Federal Insurance Company (Chubb).
Emergency Evacuation
No dedicated evacuation/repatriation benefit. Related: Emergency Medical/Dental Coverage up to $2,500 reimbursement for emergency treatment on a covered trip (3-60 days, 100+ miles from home), $50 deductible, plus up to $75/day (max 5 days) for a hotel recovery stay if hospitalized. This is medical expense coverage, not evacuation coverage.
Purchase protections
Purchase Protection
"Purchase Security": replaces, repairs, or reimburses up to $500 per claim and $50,000 per cardholder, for theft or damage within 90 days of purchase. IMPORTANT: this benefit is being discontinued effective January 1, 2027 per the official Guide to Benefits.
Other benefits
Annual Credits
Global Entry / TSA PreCheck: up to $100, resets Multi-year.
Earn Rates
Flat 2 points per dollar (2% cash value) on all eligible net purchases, with no bonus categories or caps.
Welcome Bonus
None -- this card does not offer a sign-up/welcome bonus.
Transfer Partners
None -- cash back/no transfer program. Rewards are 2 points per dollar redeemable as cash deposited directly into an eligible Fidelity brokerage/retirement/cash management account (1 point = 1 cent, i.e. 2% cash back).
Lost / Stolen Baggage
Up to $3,000 per covered trip (NY residents: $2,000 per bag). IMPORTANT: also discontinued effective January 1, 2027 per the official Guide to Benefits.
Secondary Rental Car
Auto Rental Collision Damage Waiver, secondary to personal insurance in the standard case (reimburses deductible + loss-of-use/admin fees + towing), up to $75,000. Covers rental periods up to 31 consecutive days.
Primary Rental Car
Primary only when the cardholder has no personal auto insurance, or when renting outside their country of residence; otherwise Secondary (see Secondary Rental Car for the default-case terms).
Foreign Transaction Fee
$0 -- none.
Authorized User Fee (Unconfirmed)
Not disclosed as a fee anywhere -- no source mentions a charge. Treated as $0.
A flat-rate card may earn more for your everyday spend:
Hilton American Express CardAmEx
3% everywhere
Robinhood Gold CardCoastal Community Bank
3% everywhere
IHG One Rewards PremierChase
3% everywhere
Card terms, reward rates, and offers are subject to change. Always review the current cardmember agreement before applying. He's Got a Point is not affiliated with or endorsed by any card issuer. Benefit coverage may vary — verify with the issuer before relying on any protection.
Card images, names, and logos shown on this page — including the Fidelity Rewards Visa, a product of Fidelity — are trademarks of their respective owners. Their use here is for identification purposes only and does not imply endorsement or affiliation.