The Fidelity is a personal credit card from Fidelity. Application typically pulls a hard report from TransUnion. The annual fee is $0. The ongoing APR is 16.74% to 26.74% variable, based on creditworthiness when you open your account (terms accurate as of 10/2026). Approval typically requires a credit score of 720 or higher. Rewards: 2 Reward Points per $1 of Net Purchases, unlimited; Points are worth 2% cash back only when redeemed as a deposit into an eligible Fidelity account (other redemptions such as travel, merchandise, gift cards or statement credit have different values); Points do not expire while the account is open. Cash back: 2% cash back when deposited into an eligible, Fidelity account. Loan terms: Revolving personal credit card; due date 24-30 days after the close of each billing cycle; no interest on purchases if the entire balance is paid by the due date each month; interest on cash advances and balance transfers from the transaction date; minimum interest charge $1; minimum payment applied to lower-APR balances first. This product reports activity to your personal credit report. 2% cash back on all purchases deposited into Fidelity account. No annual fee, no foreign transaction fee. Issued by Elan Financial Services (US Bank subsidiary). Experian pull. Bureau pull varies by state: TransUnion (~52%), Experian (~25%), Equifax (~24%).