Fidelity Rewards Visa Signature® Card
Basic Information
Program ID: fidelity-rewards-visa-signature-card
Issuer: U.S. Bank
Card Type: Credit
Network: Visa
Card Tier: Signature
Data Complete: Yes
Created: 01/15/2026 16:51
Last Scraped: 01/15/2026 16:52
Fee Structure
| Annual Fee: | $0.00 |
| Year 1 Waived: | No |
| Effective Annual Fee: | $0.00 |
| Authorized User Fee: | $0.00 |
| Penalty APR: | 30.00% |
Additional Fees
| Late Fee: | $40.00 |
| Returned Payment: | $40.00 |
| Balance Transfer: | Either $5 or 3% of the amount of each transfer, whichever is greater. |
| Cash Advance: | Either $10 or 5% of the amount of each cash advance, whichever is greater. |
| Foreign Transaction: | 0.00% |
Interest Rates
Purchase APR Range: 2,124.00% - 2,999.00%
Intro Purchase APR: 0.00%
Intro APR Duration: 0 months
Balance Transfer APR: 2,124.00%
Intro BT APR: 0.00%
Intro BT Duration: 0 months
Cash Advance APR: 2,999.00%
Sign-Up Bonus
Bonus Amount: $15,000.00
Spending Requirement: $1,500.00
Time Period: 90 days
Bonus Timing: Bonus points are typically credited to your account within 1-2 billing cycles after you meet the spending requirement.
Rewards Program
Reward Type: Cash Back (2% on all purchases)
Base Reward Rate: 2.00%
Bonus Reward Rate: 2.00%
Bonus Categories: All eligible net purchases
Point Value Estimate: 0.0100 cents/point
Expiration Policy: Points do not expire as long as the account is open and in good standing.
Transfer Partners: N/A (Cash back card)
Card Benefits
Protection Benefits
- Extended Warranty
- Purchase Protection
- Cell Phone Protection
- Price Protection
Travel Benefits
- Travel Insurance
- Primary Rental Protection
- Trip Delay Coverage
- Lost Luggage Coverage
- No Foreign Transaction Fees
Premium Benefits
- Airport Lounge Access
- Concierge Service
- Global Entry Credit: $0.00
- TSA PreCheck Credit: $0.00
Approval Criteria
Recommended FICO Range: 740 - 850
Approval Odds Category: Excellent
Pre-qualification Available
Soft Pull Supported
Hard Pull Bureau: Experian, TransUnion, Equifax
Issuer Rules
Rules: Analysis for 2026 is based on current U.S. Bank policies and general industry trends, assuming no major policy shifts. **Bonus Rule (Projected):** Typically, new cardmembers can earn a cash bonus (e.g., $100-$200) after spending a specified amount (e.g., $1,000-$2,000) within the first 90 days (3 months) of account opening. The exact bonus amount and spend requirement are subject to change annually. **Application Rules & Eligibility (Projected):** * **U.S. Bank 2/12 Rule:** Applicants are generally limited to receiving approval for a maximum of two new personal U.S. Bank credit cards within any rolling 12-month period. This rule applies to new account approvals, not just bonus eligibility. * **General Eligibility:** Must be 18 years or older, a U.S. resident, possess a Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN), and have good to excellent credit (typically FICO score 700+). * **Relationship Preference:** While not a strict requirement, having an existing banking relationship with U.S. Bank or a significant investment relationship with Fidelity may sometimes aid in the approval process, especially for borderline applicants.
Maximum Cards Per Issuer: 5
Minimum Spend Interval: 3 months
Shutdown Risk Triggers: Manufactured spending (MS), high cumulative credit limit across all U.S. Bank cards relative to income, sudden drastic changes in spending patterns, defaulting on other credit obligations, excessive credit-seeking behavior (many applications across different banks in a short period), suspicious activity or fraud alerts, abuse of return policies or chargebacks.
International Friendly
User Analytics & Insights
User Ratings
Average Rating: 3.9 / 5.0
Top Positive Feedback:
Consistent 2% cash back on all purchases, no annual fee, and seamless redemption into Fidelity investment accounts.
Top Negative Feedback:
Lacks a sign-up bonus, charges foreign transaction fees, and customer service (provided by Elan Financial Services) can be inconsistent.
Approval Experience Score: 75.0 / 100
Recommended Alternatives
- Citi Double Cash Card
- Wells Fargo Active Cash Card
- PayPal Cashback Mastercard
Card Value Score: 88.0 / 100
Est. Annual Rewards: $400.00
User Portfolio Metrics
Avg Portfolio Size: 4 cards
Avg Portfolio Age: 84 months
Store vs Co-brand: 100% General / 0% Store
Risk Assessment
Default Risk Group: Low
Predicted Approval Probability: 85.0%
Terms Version Control
Version ID: v1.0
Last Updated: 01/01/2024 00:00