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Fidelity Investments Rewards Visa Signature® Card with WorldPoints® Review
Issued by FIA Card Services
  
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Overall Rating:
Benefit Rating:
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The Fidelity Investments Rewards Visa Signature® Card with WorldPoints™ Rewards, issued by FIA Card Services, N.A., is designed for those with good credit who would like to earn cash deposits into their Fidelity Account and other rewards.
Through the WorldPoints® Reward program, cardholders earn one point for every dollar spent on net retail purchases. Each time the cardholder earns 5,000 points, they can convert them to a $75 payment deposit into an eligible Fidelity account, including individual, joint, trust, corporate, Roth IRA, Traditional IRA, and Rollover IRA registrations. Points may also be redeemed for cash, brand-name merchandise, and travel. There is no limit to the number of points that may be earned per year, but any unused points do expire within five years.
In addition to the reward program, the card also provides many signature benefits such as travel accident insurance, a personal concierge service, roadside assistance, and various travel and emergency assistance services. Cardholders will also have access to exclusive privileges and discounts at various events, restaurants, merchants, and more.
The card has an above average interest rate for purchases and balance transfers, no annual fee, and a 0% introductory rate that can be applied toward cash advance checks and balance transfers for the first twelve billing cycles.
Therefore, those who will be able to take advantage of the reward program, the low introductory offer, and the exclusive benefits and discounts will benefit most from what the Fidelity Investments Rewards Visa Signature® Card with WorldPoints™ Rewards has to offer.
Through the WorldPoints® Reward program, cardholders earn one point for every dollar spent on net retail purchases. Each time the cardholder earns 5,000 points, they can convert them to a $75 payment deposit into an eligible Fidelity account, including individual, joint, trust, corporate, Roth IRA, Traditional IRA, and Rollover IRA registrations. Points may also be redeemed for cash, brand-name merchandise, and travel. There is no limit to the number of points that may be earned per year, but any unused points do expire within five years.
In addition to the reward program, the card also provides many signature benefits such as travel accident insurance, a personal concierge service, roadside assistance, and various travel and emergency assistance services. Cardholders will also have access to exclusive privileges and discounts at various events, restaurants, merchants, and more.
The card has an above average interest rate for purchases and balance transfers, no annual fee, and a 0% introductory rate that can be applied toward cash advance checks and balance transfers for the first twelve billing cycles.
Therefore, those who will be able to take advantage of the reward program, the low introductory offer, and the exclusive benefits and discounts will benefit most from what the Fidelity Investments Rewards Visa Signature® Card with WorldPoints™ Rewards has to offer.
Review Date: September 22, 2008
Note: The review on this card was updated on September 22, 2008. The review is believed to be accurate during the update, however, information posted may have changed since the update. We strongly suggest that you carefully read the Terms and Conditions statement that accompanies the credit card application.
| Credit Card Rate Details | |
Intro Rate (Intro APR):
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0% APR for 12 Billing Cycles |
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Intro Applied Towards:
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Balance Transfers |
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Additional Intro Details:
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The introductory rate is 0% for the first 12 billing cycles on balance transfers and cash advance checks. |
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Purchase APR:
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14.99% (Fixed) The APR for purchases is based on the Prime Rate. |
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Cash APR:
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19.99% (Fixed) The APR for cash advances is based on the Prime Rate. There is a minimum APR on cash advances. |
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Finance Configuration:
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Average Daily Balance (including new purchases) |
| Credit Card Fee Details | |
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Annual Fee:
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$0 |
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Additional Cardholders:
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$0 |
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Grace Period:
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20 Days (Min.) |
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Late Payment Fee:
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$15 on balances up to $100; $29 on balances over $100 up to $250; $39 on balances over $250 |
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Over the Limit Fee:
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None for Visa Signature® accounts only. $15 on balances up to $500; $29 on balances over $500 up to $1,000; $39 on balances over $1,000 for Platinum Plus® accounts. |
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Cash Advance Fee:
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3%, $10 minimum |
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Balance Transfer Fee:
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3%, $10 minimum |
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Minimum Credit Limit:
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$5,000 |
| Credit Card Reward Program Details (Point) | |
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Points Per Dollar:
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1 Point |
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Point Details:
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Each time the cardholder earns 5,000 points, they can convert them to a $75 payment deposit into an eligible Fidelity account, including individual, joint, trust, corporate, Roth IRA, Traditional IRA, and Rollover IRA registrations. Points may also be red |
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Expiration:
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5 Years |
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Yearly Limit:
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None |
| Features | |
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Most Attractive Feature(s):
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| No annual fee; reasonably low APR; signature benefits, discounts, and privileges; low introductory rate. | |
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Least Attractive Feature(s):
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| Various restrictions applied to reward program. | |
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Additional Features:
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| Various Internet account related services. Exclusive privileges and discounts at events, restaurants, merchants, and more. Fraud protection services. Emergency cash replacement. Emergency card replacement. Year-end financial statement. Extended warranty on purchases. Purchase protection. No liability for authorized purchases. Lost and stolen card reporting. Travel accident insurance. Lost luggage insurance. Roadside assistance. Various travel and emergency assistance services. Auto rental insurance. Personal concierge service. See website for additional benefits. |
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Important Notations
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| This card is issued by FIA Card Services, N.A. See website for complete terms and conditions of card usage and application disclosure. | |
