Looking for a no-fuss cash back card with no annual fee? The Fidelity credit card, officially the Fidelity Rewards Visa Signature card, keeps things simple with a flat rewards rate and very few fees. It is a quiet favorite among people who like to keep their wallet uncomplicated.
This review looks at the full picture: the fees, the APR, the perks, and who it actually suits. If your credit is not strong enough to qualify yet, we cover lower-cost cards that can help you get there.
What Is the Fidelity Credit Card?
The Fidelity credit card is a cash back Visa issued by Elan Financial Services and tied to Fidelity accounts. It earns a flat rate on every purchase, with no rotating categories to manage.
It works best as a daily driver for someone who wants one reliable card. The earning is simple, but the real story is in the low fees and the APR you carry.
Fidelity Credit Card Fees
The biggest selling point is cost: as of June 2026, the Fidelity credit card has a $0 annual fee and no foreign transaction fee. That makes it cheap to hold and friendly for travel abroad.
There are also no caps on what you can earn and no reward expiration. For a card that costs nothing to keep, that is a strong combination.
Fidelity Credit Card APR
Like most rewards cards, the Fidelity credit card carries a variable APR that depends on your creditworthiness. Carrying a balance can quickly cost more than the rewards are worth, so this card rewards people who pay in full.
Always check Fidelity's website for the current APR, since rates change and APRs vary by creditworthiness. If you want context, see the average credit card interest rate to judge whether a balance is worth carrying.
Who Is the Fidelity Credit Card For?
This card fits people with good credit who pay their balance monthly and want a simple, no-fee cash back card. Fidelity account holders get the most value, but the low fees appeal to almost anyone who qualifies.
If your credit is thin or rebuilding, approval is unlikely, since this card generally needs good credit. In that case, a credit-building card is the smarter first move. The Self Visa Credit Card is a well-known option that helps you save while you build.
Want a low, predictable monthly cost with no hard credit check? The Kikoff Secured Credit Card is built to help you raise your score with a simple structure and easy approval odds.
Kikoff Secured Credit Card
Kikoff Secured Credit Card
Kikoff Secured Credit Card works like a debit card & checking account and performs like a credit builder. Build credit with your everyday purchases.
APR
0%
Minimum Deposit Amount
$0
Credit Check
No
Cashback
Yes
Benefit
0% interest. No credit check.
Prefer a secured card with no annual fee and no interest charges? The Chime Card reports your on-time payments to the bureaus and keeps the cost of building credit low.
Chime Card™
Chime Card™
Chime Card™ is Chime’s secured credit card and has the reliable Chime credit-building features plus 5% cash back rewards on select categories (with direct qualifying deposit) and access to cash at ATMs. [https://www.chime.com/disclosures/](link)
Fee
$0
APR
0%
Minimum Deposit Amount
$0
Credit Check
No
Cashback
5% cash back rewards on select categories (with direct qualifying deposit)
Benefit
Overdraft up to $200 without fees for eligible members.
How These Compare
The Fidelity credit card rewards people who already have solid credit, while the Self Visa Credit Card, Kikoff, and Chime cards are designed to build that credit in the first place. They are different tools for different stages of your journey.
All three credit-builder cards report to the major bureaus and cost far less than carrying a high-interest balance. For free monitoring as your score grows, Creditship.ai can help you stay on track.
Tips for Building Credit
Pay on time every month and keep your balance under 30% of your limit. These habits do most of the heavy lifting in raising a score over time.
Setting up autopay is one of the easiest ways to avoid a missed payment. If you have been declined before, our guide on applying after being denied walks through your next steps.
Is the Fidelity Credit Card Worth It?
For someone with good credit who pays in full, the Fidelity credit card is a low-cost, low-maintenance way to earn cash back. If you cannot qualify yet, build your credit first so you can apply with confidence later. Terms and conditions apply, and APRs vary by creditworthiness.
Frequently Asked Questions
What credit score do you need for the Fidelity credit card?
Elan Financial generally looks for good to excellent credit, often around 670 or higher. Your income and overall profile also factor in. If your score is lower, a credit-builder card can help you qualify down the road.
Does the Fidelity credit card have an annual fee?
No, as of June 2026, the Fidelity credit card has a $0 annual fee and no foreign transaction fee. The main cost is interest if you carry a balance. Paying in full keeps it very inexpensive to hold.
Is the Fidelity credit card good for beginners?
It is better suited to people who already have established credit. Beginners may struggle to get approved. Starting with a secured or credit-builder card first can make qualifying easier later.
Can you use the Fidelity credit card without a Fidelity account?
Yes, you can use the card without one, but you need an eligible Fidelity account to get the full cash back value on redemptions. Without it, your rewards are worth less. Opening an account unlocks the card's best feature.
