![]() ![]() You can earn unlimited points and your points never expire as long as your account remains open and in good standing. You actually earn 2 rewards points per dollar on net purchases which, when redeemed as a deposit to your Fidelity account, equals 2% of spending. This card is marketed as offering 2% cash back. While there's little reason to get the card unless you’re willing to open an account, the rich rewards can be a strong incentive. So the card makes the most sense for existing customers. An account is required to earn the card's unlimited 2% cash back on all purchases. The Fidelity Rewards Visa Signature credit card is for people with excellent credit who want to earn cash back that helps them to invest for their future. That’s a costly mistake that could trigger financial penalties. Secondly, if you choose to redeem your rewards to a Fidelity retirement account and you have a similar retirement account elsewhere to which you’re also contributing, you could exceed the total contribution limit for a year, if you're not careful. Rewards Redemption Comes With Drawbacks: For one, you can't redeem your rewards to an eligible Fidelity account until your point balance reaches 2,500 (that's $1,250 in card purchases).By contrast, this card provides the advertised 2% cash-back rate only if you're a Fidelity customer. Fidelity will open an account for you when you apply for the card over the phone. The Best Rewards Rate Requires A Fidelity Investment Account: Most cash-back credit cards with similar rewards earning rates offer a range of redemption options, including statement credits and checks, with minimal variation in their benefit or conditions.However, you might earn more in the first year with a card that offers a bonus, since these can easily run to $150 or even $200. The high 2% cash-back rate on purchases can help make up for this. No Bonus: While many cash-back credit cards-even those with no annual fee-come with one-time offers, this card does not.That way, your rewards never sit idle and you can keep building your investment account balance. Rewards Can Be Automatically Redeemed: Set up automatic redemption of your rewards to your qualifying Fidelity account.This rate is one of the best cash-back rates available with a no-annual-fee credit card. Earn Unlimited 2% Cash Back: You earn 2 rewards points per dollar of purchases which, when redeemed to a Fidelity investment account, equals 2% cash back.You should review the Privacy and Security policies of any third-party website before you provide personal or confidential information.The best rewards rate requires a Fidelity investment account Third-party sites may have different Privacy and Security policies than TD Bank US Holding Company. Neither TD Bank US Holding Company, nor its subsidiaries or affiliates, is responsible for the content of third-party sites hyper-linked from this page, nor do they guarantee or endorse the information, recommendations, products or services offered on third-party sites. View the Personal Credit Card Agreement for TD Cash and TD First Class Rewards.ģBy clicking on this link you are leaving TD Bank's website and entering a third-party website over which TD Bank has no control. ![]() Cardholders must take care in protecting their card and notify TD Bank immediately of any unauthorized use. ![]() ![]() Subject to credit approval.ĢVisa’s Zero Liability Policy does not apply to certain commercial card and anonymous prepaid card transactions or transactions not processed by Visa. Read the Important Credit Card Terms and Conditions for TD First Class SM Visa Signature ® Credit Card for details. *Some currencies may take longer than 2–3 days.ġThere are no foreign transaction fees with the following products: TD First Class SM Visa Signature ® Credit Card and with TD Bank Debit Cards linked to the following accounts: TD Beyond Checking, TD Preferred Savings, TD Private Tiered Checking, TD Private Tiered Savings, TD Premier Checking SM and TD Relationship Checking SM. ![]()
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