Fidelity Investments® 529 College Rewards® American Express® Card
APR for Balance Transfers: 0.00% (for twelve billing cycles*)
Balance Transfer Fee: 3% (minimum $10)
Ongoing APR: Fixed 16.99*
Cash Advance Fee: 3% (minimum $10)
Annual Fee: None
Reward Program: Reward Points*
Reliable value
Enjoy an 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).
Special treatment
With American Express SelectsSM, enjoy special online offers from merchants around the world... save on airfare, electronics and more. Plus, enjoy free access to the MyConciergeSM personal assistant service** ...emergency cash ... and the flexibility to pay in full or over time.
Earning power
Add a boost to your college nest egg. Earn rewards points at a rate of 1.5% of net retail purchases which convert to cash when they are automatically contributed to your Fidelity managed 529 plan account.***
*Please see Terms and Conditions 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.
**Certain restrictions apply to each benefit. Details accompany new account materials.
*** Cardmembers residing in the U.S. are eligible to earn reward points which convert to Fidelity 529 Dollars when deposited in a Fidelity-managed 529 Plan account, based upon use of the Fidelity Investments 529 College Rewards American Express Card (the "Card") issued by FIA Card Services, N.A. Cardmembers currently earn 1.5 reward points for every $100 in new net retail purchase transactions (purchases less credits, returns, and adjustments) charged to the Card. Balance transfers, cash advances, including purchases of money orders or other cash equivalents, 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 or fraudulent transactions do not earn points. A state-sponsored 529 College Savings Plan account managed by Fidelity Investments (the "Account") must be open, funded, and designated with FIA Card Services, N.A., in order for points to be transferred and Fidelity 529 Dollars deposited. Point transfers from FIA Card Services, N.A. occur on a regular periodic basis as described in the Card Program Guidelines. Minimum of 50 points required to effect transfer to the Account. Points are not transferable and have no cash value other than as described in the Card Program Guidelines. Points may not be used to pay any Card balance. A Cardmember may earn a maximum of 1,500 Points per rolling twelve months from the anniversary date from which the Card is first used. Fidelity Investments and/or FIA Card Services, N.A. may change the terms of the rewards program at any time. FIA Card Services, N.A. and Fidelity are not responsible for typographical errors and/or omissions in this brief program description. This is a partial description of the program. Full details will accompany the new Card account materials. The program is subject to government approval and is void where prohibited. For more information about Fidelity managed 529 College Savings Plans, visit www.fidelity.com/college. FIA Card Services, N.A. is not affiliated with Fidelity Investments and does not offer, sponsor, manage, or guarantee any of the 529 Plans managed by Fidelity Investments. Brokerage services provided by Fidelity Brokerage Services, LLC, Member NYSE, SIPC. Units of the Portfolios are municipal securities and may be subject to market volatility and fluctuation. Contributions to a Fidelity managed 529 Plan account are subject to the specific 529 Plan contribution caps. See the Fidelity-managed 529 Plan Fact Kit for specific contribution cap information.
Fidelity will use its best efforts to match name, address, and other identifying information to match you with an existing Fidelity managed 529 Plan account. If you do not designate an Account and you have either more than one Fidelity managed 529 Plan account at Fidelity, or you have more than one Fidelity managed 529 Plan account, Fidelity will not match your Account(s) to the American Express Card. If no match is available for any of these reasons, you will not be eligible to receive Points until you have telephoned Fidelity and designated an Account and/or Portfolio. If you do not open an Account or designate an Account and Portfolio number within twelve (12) months from the date your Card is issued, or you cancel your participation in the Card Program at any time, you will not be eligible to convert Points into Fidelity 529 dollars.
BALANCE TRANSFERS: If the total amount you request exceeds your credit line, the bank 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.