Fidelity Investments Rewards Visa Signature® Card with WorldPoints® Rewards

Make this Card Part of Your Investment Strategy.

APR for Balance Transfers: 0.00% (for twelve billing cycles*)
Balance Transfer Fee: 3% (minimum $10)
Ongoing APR: Fixed 14.99*
Annual Fee: None
Cash Advance APR: 0% for 12 Months; 19.99% thereafter
Cash Advance Fee: 3% (minimum $10)
Grace Period: At least 20 Days
Reward Program: WorldPoints®
Late Fee: $15-$39
Overlimit Fee: $0-$39
Issuer: Fidelity Investments

• Earn one point for every dollar in net retail purchases.
  
• Choose to redeem your WorldPoints® rewards as Investment Dollars, which can be directly added into your eligible Fidelity Account.*
  
• Or, choose to redeem your WorldPoints® rewards for travel, merchandise or cash.
  
• Introductory 0% Annual Percentage Rate (APR)* for Cash Advance Checks and Balance Transfers through your first twelve billing cycles* (subject to a 3% transaction fee, no less than $10).
  
• No Annual Fee
  
• Use your card at least once every six months to ensure your Reward Credits will not expire!
  
• Redeem your Reward Credits for exciting rewards such as show tickets, gourmet meals, exclusive vacations, and more
  
• Card issued by FIA Card Services, N.A. (USA)
  

WORLDPOINTS®: Rewards begin at 2,500 points for cash rewards redemption and merchandise, 5,000 points for deposits into Fidelity accounts, and 25,000 points for air. Air rewards subject to maximum dollar value and special air arrangements require payment of additional points and a processing fee. Earn unlimited points. Earn 1 point per dollar of new net retail purchase transactions (qualifying purchases less credits, returns, and adjustments)charged to the card each month. Point earnings are rounded to the nearest whole point. Balance transfers,cash advances, including out-of-network payments made through the Bill Pay Choice™ service, purchases made by or for a business or for a business purpose, fees, finance charges and unauthorized/fraudulent transactions do not earn points. Points valid for 5 years. Air rewards from AK, HI, or PR limited to mainland U.S. unless fare paid to U.S. gateway. To redeem for deposits into eligible Fidelity accounts, log on to www.fiacardservices.com/worldpoints. Points may only be redeemed on line. 5,000 points may be redeemed for a converted equivalent dollar amount of $75. Eligible Fidelity Accounts are those with individual, joint, trust, corporate, Roth IRA, Traditional IRA, or Rollover IRA registrations. Ineligible registrations include SEP-IRA, SIMPLE IRA; Inherited IRA accounts, Fidelity Retirement Plan (Keogh) accounts, Non-prototype Retirement accounts, and Portfolio Advisory Service accounts. Deposits into a tax-advantaged retirement account will be considered contributions for the year in which the deposit is made to the Account. Owners of tax-advantaged retirement accounts (IRAs and Roth IRAs) generally must meet certain requirements to be eligible to make annual contributions, including any of these deposits. In certain circumstances, points may not be redeemed for a deposit to an IRA where Fidelity has determined that such a transfer will result in an excess IRA contribution for that year. The owner of a tax-advantaged retirement account remains responsible for ensuring that excess contributions do not occur. FIA Card Services, N.A. is not responsible or liable for any tax penalties. Cash reward check expire 90 days after date of issue. Cash rewards not transferable. Points and/or rewards may not be combined with other discount or reward programs, unless specifically authorized by FIA Card Services, N.A.. Other significant terms apply. Program subject to change. For more information, visit www.fiacardservices.com/worldpoints. Details accompany new account materials. All cardholders receive WorldPoints program benefits. The WorldPoints program is managed in part by independent third parties, including a travel agency registered to do business in California (Reg. No. 2036509-50); Ohio (Reg. No. 87892086); Washington (6011237430) and other states, as required.


BALANCE TRANSFERS. If the total amount you request exceeds your revolving credit line, we may either send full or partial payment to your creditors in the order you provide them to us or we may send you Cash Advance Checks. Allow at least 2 weeks from account opening for processing. Continue paying each creditor until the transfer appears as a credit. Balance Transfers incur finance charges from the transaction date. Balance Transfers are subject to transaction fees in the amount of 3% of the transaction (minimum $10). If you have a dispute with a creditor and pay that balance by transferring it to your new account, you may lose certain dispute rights. Balance Transfers may not be used to pay off or pay down any account issued by FIA Card Services, N.A.


*Please see web site for rate, fee, and other cost information. All terms, including the APRs and fees, are subject to change at any time, for any reason, in accordance with the Credit Card Agreement and applicable law.