18
Benefits1
Reward Categories2x
Max Reward21.2%
APR FromBasic Information
PENDINGProgram ID: fidelity-rewards-visa-signature-card
Issuer: U.S. Bank
Card Name: Fidelity Rewards Visa Signature Card
Card Type: Credit
Network: Visa
Card Tier: Premium
Approved: Pending
Data Complete: Complete
Rewards Program (Detailed) 1 Categories
PENDING| Category | Rate | Type | Description | Annual Cap | Status |
|---|---|---|---|---|---|
| All Eligible Net Purchases | 2x | Cash Back | Earn 2% cash back on every eligible net purchase. Net Purchases are purchases of goods and services made by you or any authorized user on your Account minus any returns, refunds or other credits. Exclusions apply, including cash advances, balance transfers, convenience checks, foreign currency purchases, money orders, wire transfers, gambling transactions, interest charges, and fees. | No Cap |
Rewards Summary
PENDINGReward Type: Cash Back
Base Rate: 2x
Bonus Rate: 2x
Categories: Flat 2% cash back on all eligible net purchases
Quarterly Rotating: No
Cap Amount: $500,000.00
Expiration Policy: Points do not expire as long as the account is open and in good standing.
Point Value: 0.01¢
Travel Portal Multiplier: 0x
Transfer Partners: N/A
Redemption Penalties: N/A
Benefits & Protections (Detailed) 18 Total
PENDINGAccount Management 4
Online Banking and Mobile App
N/AManage your account, pay bills, and more, anytime, anywhere.
Paperless Statements
N/AView, download, and print your statements securely online.
Account Alerts
Email or text alertsStay informed with email or text alerts for payment due dates, low balances, and more.
Autopay
N/ASet up automatic payments to ensure you never miss a due date.
Digital Payment 1
Digital Wallet
Supports Apple Pay®, Google Pay™, Samsung PayMake secure purchases with your mobile device using Apple Pay®, Google Pay™ or Samsung Pay.
Extended Warranty 1
Extended Warranty Protection
Extends warranty by 1 year, up to $10,000 per claim, $50,000 per cardholderExtends the time period of the U.S. manufacturer's warranty by one additional year on eligible warranties of three years or less, up to a maximum of $10,000 per claim and $50,000 per cardholder.
Fraud Protection 3
Zero Fraud Liability
100% protection from unauthorized purchasesYou're protected from unauthorized purchases made with your card or account information.
Fraud Protection
Account monitoring and notificationU.S. Bank monitors your account for suspicious activity. If we detect unusual transactions, we'll notify you by text, email, or phone.
Real-time Fraud Alerts
Real-time alertsGet real-time alerts on suspicious activity.
Identity Theft Protection 1
ID Theft Protection
Complimentary access to resolution servicesGet complimentary access to services that can help you resolve identity theft issues.
Lifestyle 1
Concierge Services
Complimentary 24/7 serviceEnjoy complimentary 24/7 concierge services for help with travel planning, restaurant reservations, event tickets, and more.
Purchase Protection 1
Purchase Security
Up to $10,000 per claim, $50,000 per cardholderProtects new purchases made with your eligible Visa card against theft or damage for the first 90 days from the date of purchase, up to $10,000 per claim and $50,000 per cardholder.
Rental Car Insurance 1
Auto Rental Collision Damage Waiver
Up to actual cash value of most rental vehiclesProvides coverage for damage due to collision or theft up to the actual cash value of most rental vehicles when you rent an eligible vehicle with your card and decline the rental company's collision damage waiver (CDW) or similar provision.
Rewards 1
Cash Back Rewards
2% cash backEarn 2% cash back on every eligible net purchase. Cash back is automatically deposited into an eligible Fidelity account.
Roadside Assistance 1
Roadside Dispatch®
Pay-per-useA pay-per-use roadside assistance program. No membership or pre-registration required.
Travel Assistance 1
Travel and Emergency Assistance Services
24/7, 365 days a yearConnects you to the right resources when you need them most. Available 24 hours a day, 365 days a year.
Travel Insurance 2
Lost Luggage Reimbursement
Up to $3,000 per tripReimburses you for the replacement of your checked or carry-on luggage and its contents, up to $3,000 per trip, if lost or misdirected by the carrier.
Travel Accident Insurance
Coverage for accidental death or dismembermentProvides coverage for you and your family against accidental death or dismemberment when you travel by common carrier and charge the entire fare to your eligible Visa card.
Benefits Summary (Flags)
PENDINGExtended Warranty
Purchase Protection
Cell Phone Protection
Travel Insurance
Primary Rental Protection
Airport Lounge Access
Trip Delay Coverage
Lost Luggage Coverage
Price Protection
Concierge Service
No Foreign Fees
ShopRunner
Sign-Up Bonus
PENDING15,000
Points/MilesRequirement: Spend $1,500 in 90 days
Timing: Bonus points are typically credited to your account within 1-2 billing cycles after you meet the spending requirement.
Fee Structure
PENDING| Annual Fee: | $0.00 |
| Year 1 Waived: | No |
| Effective Annual Fee: | $0.00 |
| Authorized User Fee: | $0.00 |
| Penalty APR: | 0.30% |
| Min Interest Charge: | $2.00 |
Additional Fees
PENDING| 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 & APR
PENDINGStandard APR
Purchase APR: 21.24% - 29.24%
Balance Transfer APR: 29.24%
Cash Advance APR: 29.99%
Intro APR Offers
Intro Purchase APR: 0% for 0 months
Intro BT APR: 0% for 0 months
Promo Duration: 0 months
Approval Criteria & Requirements
PENDINGCredit Score Requirements
Application Process
Issuer Rules & Policies
PENDINGRules: For 2026, U.S. Bank is projected to maintain its conservative application policies. Key eligibility requirements for the Fidelity Rewards Visa Signature Card include: 1. **Credit Score**: Applicants typically need good to excellent credit (FICO score generally 700+). 2. **Income & Debt-to-Income (DTI)**: Sufficient verifiable income and a manageable DTI are required. 3. **U.S. Bank 2/12 Rule**: Applicants are generally limited to opening no more than two new U.S. Bank personal credit cards within any rolling 12-month period. This is a strict velocity rule. 4. **Existing Relationships**: While not mandatory, having an existing banking or investment relationship with U.S. Bank or Fidelity may be a soft positive factor. The Fidelity Rewards Visa Signature Card is primarily known for its ongoing 2% cash back on all purchases and typically does not feature a large sign-up bonus. If a bonus is offered, it's usually a modest amount (e.g., $100-$150) after a small initial spend.
Max Cards Per Issuer: 4
Min Spend Interval: 90 days (for cards with sign-up bonuses)
Cliff Effect Rules: U.S. Bank primarily enforces application velocity rules, most notably the 2/12 rule, which limits new personal card approvals. There are no specific 'card family' bonus restrictions similar to those found with other issuers (e.g., Chase Sapphire family rules) that would prevent earning a bonus on this card based on prior ownership of other U.S. Bank cards. The focus is on the number of recent applications.
International Friendly: Yes
User Analytics & Insights
PENDINGUser Ratings
Average Rating: 3.8 / 5.0
Top Positive:
Consistent 2% cash back on all purchases when redeemed into an eligible Fidelity account, simple rewards structure, no annual fee, good for everyday spending.
Top Negative:
Foreign transaction fee, rewards only maximize value when redeemed into a Fidelity account, no rotating bonus categories, limited travel benefits compared to other Visa Signature cards.
Approval Experience: 75.0 / 100
Recommended Alternatives
- Citi Double Cash Card
- PayPal Cashback Mastercard
- Alliant Cashback Visa Signature Card
Card Value Score: 85.0 / 100
Est. Annual Rewards: $400.00
Approval Probability: 85.0%
Version Control
PENDINGVersion ID: v1.0