Elan Financial · Visa · personal · Cash back
Review the linked sources below for offer details and eligibility.
Earning
| Everything else
Issuer wording: 'Unlimited 2% cash back on every purchase when deposited into an eligible Fidelity account' — earns 2 Points per $1, worth 1 cent each on Fidelity deposit; no caps or category restrictions. Other redemptions (travel, gift cards, merchandise, statement credit) are worth less.
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2% | 2% |
Right column: value per $ at travel valuation (1¢/pt). Dollar-for-dollar.
Credits
- $100 Global Entry / TSA PreCheck application fee credit /every 4 years · easy to useUp to 10,000 Reward Points (worth $100 deposited into a Fidelity account) once every 4 years when you pay a Global Entry or TSA PreCheck application fee with the card; posts within 2-3 billing cycles, no enrollment.
Benefits
- Rewards deposit into Fidelity brokerage, Cash Management, IRA, 529, HSA, Fidelity Go or Charitable Giving account — Points convert automatically each month at 1 cent each once you reach 2,500 points ($25).
- No annual fee
- No foreign transaction fees — 1% FTF removed September 2023.
- Global Entry / TSA PreCheck fee credit — Up to 10,000 Reward Points ($100) once every 4 years when the application fee is charged to the card.
- Secondary rental car CDW — Up to $75,000; secondary to personal auto insurance (primary if you have no other insurance or rent outside your country of residence); rentals up to 31 days.
- Emergency medical/dental coverage — Up to $2,500 per covered trip with a $50 deductible, plus up to $75/day for 5 days of hotel recovery; excess coverage.
- Purchase Security — 90 days, up to $500 per claim / $50,000 per cardholder (excess coverage). Benefit ends January 1, 2027.
- Lost luggage reimbursement — Up to $3,000 per covered trip (NY residents $2,000 per bag). Benefit ends January 1, 2027.
- Travel accident insurance — Up to $250,000 common-carrier accidental death/dismemberment when the full fare is charged to the card.
- Roadside Dispatch — Pay-per-use towing and locksmith referral in the U.S. and Canada.
- Visa Signature Concierge — 24-hour concierge; also Visa Signature Luxury Hotel Collection perks.
- 0% intro APR for 12 months — Bundled with the public $150 sign-up offer per Doctor of Credit (2026-05-18).
Protections
| purchase protection | 90 days, up to $500 per claim / $50,000 per cardholder (ends Jan 1, 2027) |
| lost luggage | Up to $3,000 per covered trip (ends Jan 1, 2027) |
| rental car | secondary |
| roadside | Roadside Dispatch (pay-per-use referral) |
| travel accident | Up to $250,000 |
Notes
Issued by Elan Financial Services (U.S. Bank affiliate), not Fidelity. Earns 2 Points per $1; points are worth 1 cent each only when deposited into an eligible Fidelity account (brokerage, Cash Management, Traditional/Roth/Rollover/SEP IRA, Fidelity-managed 529, HSA, Fidelity Go, Charitable Giving) — travel, gift card, merchandise and statement-credit redemptions are worth less. Automatic monthly deposit once you have 2,500 points ($25); no caps, points never expire while the account is open. Foreign transaction fee removed September 2023 (was 1%). Global Entry/TSA PreCheck benefit (added October 2024) is paid as up to 10,000 Reward Points once every 4 years. The 7/1/26 Guide to Benefits says Purchase Security and Lost Luggage Reimbursement end January 1, 2027; there is no extended warranty, cell phone, trip delay or trip cancellation coverage. No Wealth Management earn tiers were found on the issuer pages. Web-verified 2026-09-08 against https://www.fidelity.com/spend-save/visa-signature-card.
Verified 2026-09-08 · confidence high · sources: 1, 2, 3, 4, 5, 6, 7, 8