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Additional Details, Terms and Conditions |
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| Category | Reward - Finance |
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| Status | Signature |
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| Introductory Percentage Rate | 0.00 |
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| Intro Applies To | Balance Transfers |
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| Intro Details | The introductory rate is 0% for the first 12 billing cycles on balance transfers and cash advance checks. |
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| APR for Purchases | 14.990 |
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| Purchase Rate Type | Fixed |
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| APR for Cash Advances | 19.990 |
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| Cash Advance Rate Type | Fixed |
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| Finance Charge Calculation | Average Daily Balance (including new purchases) |
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| Annual Fee | $0 |
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| Additional Annual Fees | $0 |
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| Annual Fee Detail | None |
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| Grace Period | 20 Days (Min.) |
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| Late Payment Fee | $15 on balances up to $100; $29 on balances over $100 up to $250; $39 on balances over $250 |
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| Over Limit Fee | 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 | 3%, $10 minimum |
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| Balance Transfer Fee | 3%, $10 minimum |
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| Minimum Balance Transfer | $5,000 |
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| Maximum Balance Transfer | n/a |
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| Type of Reward | Point |
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| Optional Reward | No |
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| Points Earned Per Dollar Spent | 1 Point |
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| Additional Points | None |
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| Point Details | 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, merchandise, and travel. |
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| Expiration | 5 Years |
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| Yearly Limit | None |
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| Bonus Approval | None |
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| Bonus First Purchase | None |
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| Bonus Balance Transfers | None |
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| Bonus Annual | None |
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| Bonus Other | None |
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| Bonus Details | None |
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| Additional Perks | 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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| Notations | This card is issued by FIA Card Services, N.A.
See website for complete terms and conditions of card usage and application disclosure. |
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| Features / Benefits: | *Earn One Point for Every Dollar Spent in Net Retail Purchases |
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| 1 | *Points Can Be Redeemed as a Deposit into Your Eligible Fidelity Account; or Redeem Your Points for Travel, Merchandise, and More |
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| 2 | *0% Introductory Annual Percentage Rate (APR)† on Balance Transfers and Cash Advance Checks for Your First 12 Billing Cycles |
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| 3 | *No Annual Fee |
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| 4 | Card Issued by FIA Card Services, N.A. |
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| Rating | 4.50 |
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| Benefit Rating | 4.00 |
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| Best Feature | No annual fee; reasonably low APR; signature benefits, discounts, and privileges; low introductory rate. |
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| Worst Feature | Various restrictions applied to reward program. |
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| Review | 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. |
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| Date of Data Update | 2008-11-17 00:00:00 |
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