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Type Credit Needed Annual Fee Intro APR Standard APR Rewards Grace Period Category

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AMEX Good Credit $0 0.00% for 12 billing cycles on Balance Transfers 16.99% Investment 20 DaysStudent  

Fidelity Investments 529 College Rewards American Express Card

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Fidelity Investments® 529 College Rewards® American Express® Card

Quick Summary:
This AMEX, issued by FIA Card Services may offer investment rewards with special savings or investment privileges based on your total spending. This card may be restricted to college students with a good to perfect credit history. It is unlikely, but possible that you will be asked for proof of acedemic involvement before finalization of the card acceptance. APR's may vary among applicants, however the lowest standard APR is 16.99%.

APR's:
There is an introductory APR as low as 0.00% for 12 billing cycles. However, this intro rate only applies towards balance transfers. Be cautious that some card issuers may charge higher rates and fees for cash advances.

The lowest available APR is fixed, meaning that the rate will not change with U.S. prime rates.

Rewards:
This card offers investment rewards for purchases, where you can expect deposits or points into an investment account based on your total spending.

Credit Record Needed:
Based on the FICO score recommendation, applicants should have a great credit record. A FICO score of at least 704 is recommended for a higher chance of approval for the Fidelity Investments® 529 College Rewards® American Express® Card, but is not required. There are a number of other factors that this issuer may also consider when making decisions for approval.

Other Basics:
The grace period listed for the Fidelity Investments® 529 College Rewards® American Express® Card is at least 20 days. So interest charges will not be applied during those days.

This card is intended for college students. Before applying, you may need information about your college or university, such as the name, address, phone numbers, and dates attended.

American Express acceptance among businesses is moderate, but global. You should not have a difficult time finding businesses that will accept this card as a form of payment.

Approval Rate:
This card has a very poor approval or acceptance rate. Since this is a card for good credit, there may be a strict standard for qualifications, including credit record and income level. If you believe that you fall into the credit record of "Good Credit" then you will have a better chance for approval. Furthermore, if your FICO score is close to or higher than 704, then your chance of approval may be greater than other applicants.

Approval Time:
Great news for applicants that do not want to wait on a application status. This card offer may give instant approval decisions. Remember, this may not be true in all cases, where application information may not be complete, questionable or for other reasons. When applying on-line, the system will normally show your approval status shortly after submitting your application. Credit cards normally take 1 or 2 weeks to arrive after your application is approved.

Offer Details:

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.§

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 Selects(SM), enjoy special online offers from merchants around the world…save on airfare, electronics and more. Plus, enjoy free access to the MyConcierge(SM) personal assistant service** ...emergency cash ... and the flexibility to pay in full or over time.



Other Remarks:
Card issued by FIA Card Services, N.A.

See Offer Terms and Conditions

*Please view and verify the card offer's terms and conditions regarding interest rate, fees, grace periods, approval time and other information before applying. Is this the card you want? Apply On-line

 

 


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Student Card Rate Comparison

APR16.99%
Avg. APR**13.9%
Annual Fee$0
Avg. Annual Fee**$1.12

**  APR average does not include cards where APR is 0%, unless viewing offers in the secured card category. "Annual fee average" contains the average of all fees in a specific category (Student cards), even where the fee is $0. This data is subject to Finance Globe's terms and conditions.

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