Annual Fee

Welcome Bonus

Base Earn Rate

Top Earn Categories

Network

Key Benefits

Pros

• +3% back at Amazon.com, Amazon Fresh, and Whole Foods Market
• +3% back on Chase Travel portal bookings with no cap
• +2% back at restaurants, gas stations, and transit
• +$50 Amazon Gift Card upon approval with no spend requirement
• +No annual fee and no foreign transaction fees

• +True 2% unlimited cash back on all purchases with no annual fee
• +Rewards auto-deposit into Fidelity brokerage, IRA, 529, or cash management accounts
• +No minimum redemption threshold (rewards deposit automatically)
• +$150 welcome bonus after $1,500 spend in 90 days
• +Visa Signature benefits: extended warranty, purchase protection, concierge

Cons

• −Lower Amazon/Whole Foods earn rate than Prime Visa
• −Rewards locked to Amazon ecosystem
• −Only 1% back on non-category purchases

• −Requires Fidelity account for redemption (cannot get cash to bank account)
• −1% foreign transaction fee makes it unsuitable for international travel
• −Not flexible if you ever want to leave Fidelity
• −No premium travel benefits or lounge access
• −Issued by Elan Financial Services, not Fidelity directly (customer service may vary)

Annual Fee

Welcome Bonus

Base Earn Rate

Top Earn Categories

Network

Key Benefits

Pros

• +3% back at Amazon.com, Amazon Fresh, and Whole Foods Market
• +3% back on Chase Travel portal bookings with no cap
• +2% back at restaurants, gas stations, and transit
• +$50 Amazon Gift Card upon approval with no spend requirement
• +No annual fee and no foreign transaction fees

• +True 2% unlimited cash back on all purchases with no annual fee
• +Rewards auto-deposit into Fidelity brokerage, IRA, 529, or cash management accounts
• +No minimum redemption threshold (rewards deposit automatically)
• +$150 welcome bonus after $1,500 spend in 90 days
• +Visa Signature benefits: extended warranty, purchase protection, concierge

Cons

• −Lower Amazon/Whole Foods earn rate than Prime Visa
• −Rewards locked to Amazon ecosystem
• −Only 1% back on non-category purchases

• −Requires Fidelity account for redemption (cannot get cash to bank account)
• −1% foreign transaction fee makes it unsuitable for international travel
• −Not flexible if you ever want to leave Fidelity
• −No premium travel benefits or lounge access
• −Issued by Elan Financial Services, not Fidelity directly (customer service may vary)

Annual Fee

Welcome Bonus

Base Earn Rate

Top Earn Categories

Network

Key Benefits

Pros

• +3% back at Amazon.com, Amazon Fresh, and Whole Foods Market
• +3% back on Chase Travel portal bookings with no cap
• +2% back at restaurants, gas stations, and transit
• +$50 Amazon Gift Card upon approval with no spend requirement
• +No annual fee and no foreign transaction fees

• +True 2% unlimited cash back on all purchases with no annual fee
• +Rewards auto-deposit into Fidelity brokerage, IRA, 529, or cash management accounts
• +No minimum redemption threshold (rewards deposit automatically)
• +$150 welcome bonus after $1,500 spend in 90 days
• +Visa Signature benefits: extended warranty, purchase protection, concierge

Cons

• −Lower Amazon/Whole Foods earn rate than Prime Visa
• −Rewards locked to Amazon ecosystem
• −Only 1% back on non-category purchases

• −Requires Fidelity account for redemption (cannot get cash to bank account)
• −1% foreign transaction fee makes it unsuitable for international travel
• −Not flexible if you ever want to leave Fidelity
• −No premium travel benefits or lounge access
• −Issued by Elan Financial Services, not Fidelity directly (customer service may vary)