Does the Fidelity Rewards Visa Signature have an annual fee?

No. Our record lists a $0 annual fee for the Fidelity Rewards Visa Signature.

Is the Fidelity Rewards Visa Signature worth it in the first year?

Using our illustration ($12,000 of yearly spending), the first year comes out around $240 before credits, including a welcome bonus valued at $0. Year two drops to about $240 before credits.

What credit do I need for the Fidelity Rewards Visa Signature?

Our record lists "Good to Excellent" credit as the typical target for the Fidelity Rewards Visa Signature. Fidelity Investments / Elan Financial Services makes the final decision based on its own criteria.

Fidelity Rewards Visa Signature Card

Fidelity Investments / Elan Financial Services

No Annual Fee

Annual Fee

visaGood → Excellentcash-backno-annual-feepremium6 months ago

Welcome Offer

No Welcome Offer

OpenCard analysis

Is the Fidelity Rewards Visa Signature Card right for you?

The Fidelity Rewards Visa Signature is a no-annual-fee cash-back card from Fidelity Investments / Elan Financial Services. It earns a flat 2% on purchases. With no fee, it only needs to beat the flat rate your current card already pays.

Who it's for

✓ Anyone who wants flat-rate rewards without paying an annual fee
✓ People who want one rate (2%) everywhere without tracking categories

First-year value estimate

Welcome bonus

Rewards on spending

$240

Annual fee (year 1)

−$0

Year 1, before credits

$240

Year two, without the welcome bonus: about $240 before credits ($240 in rewards minus the $0 fee).

Assumptions

$12,000 a year of purchases at 2%, about $1,000 a month.
Rewards valued at 1¢ per point or 1% cash back (cash-equivalent).
No welcome bonus is listed in our record, so none is counted.
No annual fee in any year.

An illustration, not a promise of value. Change the spending to match yours; rewards are not cash until redeemed. Card data reviewed 2026-04-16.

How it compares

Bank of America Travel Rewards →

Bank of America, same $0 annual fee; earns 1.5% on everything.

Capital One Quicksilver Cash Rewards →

Capital One, same $0 annual fee; earns 1.5% on everything.

Chase Freedom Rise →

Chase, same $0 annual fee; earns 1.5% on everything.

Compare side by side →

Frequently asked questions

Does the Fidelity Rewards Visa Signature have an annual fee?: No. Our record lists a $0 annual fee for the Fidelity Rewards Visa Signature.
What does the Fidelity Rewards Visa Signature earn?: A flat 2% on purchases.
Is the Fidelity Rewards Visa Signature worth it in the first year?: Using our illustration ($12,000 of yearly spending), the first year comes out around $240 before credits, including a welcome bonus valued at $0. Year two drops to about $240 before credits.
What credit do I need for the Fidelity Rewards Visa Signature?: Our record lists "Good to Excellent" credit as the typical target for the Fidelity Rewards Visa Signature. Fidelity Investments / Elan Financial Services makes the final decision based on its own criteria.

Earning Rates

2×All eligible net purchasesUnlimited 2% cash back (2 points per $1) on all net purchases when deposited into an eligible Fidelity account. 1.5% flat rate if redeemed as statement credit or to non-Fidelity account.

Other Benefits

TSA PreCheck/Global Entry credit

$100 statement credit for TSA PreCheck or Global Entry fee

Visa Signature Benefits

Travel and Emergency Assistance, Lost Wallet Service, Luxury Hotel Collection, etc.

Insurance

Rental InsuranceAuto Rental Collision Damage Waiver

Purchase Protection

Extended Warranty

Sources

Last Updated: Apr 16, 2026