Fidelity Visa Signature Card

The Fidelity® Visa Signature® Card is my default card for international travel. Simple rewards, no foreign transaction fees, and broad acceptance worldwide.

Why I use it

• No Foreign Transaction Fees: Many credit cards quietly charge a 3% fee on every international purchase. Spend $4,000 abroad and that is an extra $120 gone for nothing. The Fidelity card charges 0%.
• Flat 2% Cash Back: Everything earns 2% cash back with no categories to track or activate. Rewards can be automatically deposited into a Fidelity brokerage, IRA, or cash management account.
• Global Entry / TSA PreCheck Credit: The card reimburses the application fee for Global Entry or TSA PreCheck once every four years. Technically this comes as 10,000 Reward Points, equal to $100 when redeemed into a qualifying Fidelity account.
• Visa Acceptance Worldwide: Visa is accepted almost everywhere internationally, including many places where Amex is unreliable or not accepted at all.
• Pairs Perfectly with the Fidelity Debit Card: The setup works especially well alongside the Fidelity Cash Management Account debit card. Use the credit card for purchases and the debit card for fee-free ATM withdrawals abroad.

A Few Things to Know

• The full 2% value requires redeeming rewards into an eligible Fidelity account.
• The card is best for people who value simplicity over travel points optimization.
• Approval generally requires good credit.

Getting Started

You can apply directly through Fidelity online. If you already use Fidelity for investing or banking, it integrates seamlessly into the rest of the ecosystem.