Is the Fidelity Rewards Visa Signature Card worth a spot in your wallet?
The honest math on the Fidelity Rewards Visa Signature Card: which credits you'd actually use, what its points earn beyond a plain 2% card, and what its protections would cost to buy.
Fidelity Investments / Elan Financial Services · No annual fee · earns Fidelity Rewards Points
Earning rates
- 2x Everything (2 Points per dollar on eligible net purchases)
Statement credits (1)
- Global Entry / TSA PreCheck Credit — Up to 10,000 Reward Points (about a $100 value at the Fidelity-account redemption rate) once every 4 years for a Global Entry or TSA PreCheck application fee charged to the card.
Protections and perks (6)
- Purchase Security — New retail purchases covered against theft, fire, vandalism, or accidental water/weather damage for 90 days, up to $500 per claim and $50,000 per cardholder.
- Auto Rental Collision Damage Waiver — Collision/theft coverage on rentals paid with the card, up to $75,000 — secondary to your personal auto policy in most cases, primary if you have no personal auto insurance or you're renting outside your country of residence.
- Lost Luggage Reimbursement — Reimburses checked or carry-on baggage lost or stolen by the common carrier, up to $3,000 per covered trip ($2,000/bag for New York residents), on trips where the ticket was charged to the card.
- Travel Accident Insurance — $250,000 accidental death or dismemberment coverage while riding as a passenger on a common carrier whose fare was charged to the card.
- Emergency Medical/Dental Coverage — Up to $2,500 for emergency medical or dental treatment while on a covered trip ($50 deductible), plus up to $75/day (5 days max) toward a hotel room if you're hospitalized and your doctor says you should recover there before heading home.
- No Foreign Transaction Fees — No surcharge on purchases made outside the US.
Card data verified against Fidelity Investments / Elan Financial Services on 2026-08-23.
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