Fidelity Rewards Credit Card Review (2026.5 Update: $150 Offer)

physixfan 2026-05-19 2026-05-19

2026.5 Update: The new offer is $150.HT: DoC.

2023.9 Update: There’s no FTF on this card any more!

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Benefits

$150 offer: earn a $150 bonus after you make at least $1,000 in purchases within the first 90 days.This is the best ever offer on this card.
Earn 2% cash back on everything.
No foreign transaction fee.
No annual fee.

Recommended Application Time

We recommend you apply for this card after you have a credit history of at least two years and you are very comfortable with the credit card game.

Summary

There are some other no annual fee 2% cash back cards: Citi Double Cash (DC) (Mastercard), Synchrony PayPal Cashback (Mastercard), and SoFi Credit Card (Mastercard).Citi Double Cash (DC) is probably the best one among these cards because you can get it from downgrading a card that has a huge sign-up bonus, also its cashback can be converted to potentially more valuable ThankYou Points (TYP).

Nonetheless, this Fidelity has no FTF now, so it can be useful if you need this feature.

Historical Offers Chart

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Frequently Asked Questions

Certainly. Unlike personal loans, you won't face any penalties for settling your balance ahead of schedule. However, it's crucial to keep in mind that if your credit card comes with a 0% introductory offer, it's essential to clear your balance completely before the 0% promotion expires and interest charges apply.

However, you can include additional cardholders, each with their own card. While sharing the single credit limit, the primary cardholder remains responsible for settling the debt.

Potentially, yes. Credit card APRs are typically variable, allowing lenders to change rates, impacting your monthly payments. Additionally, be mindful that introductory 0% offers can lead to higher interest rates once they expire. So, it's wise to clear your balance before that happens, if feasible.

Indeed, credit builder cards exist for those with less-than-ideal credit scores. These cards offer lower credit limits (typically £150 to £1,200) and higher interest rates. Responsible use, including full and on-time payments, can gradually boost your creditworthiness, potentially opening doors to better credit card offers down the line.