Does the Fidelity Rewards Visa Signature cover it?
Fidelity (Elan Financial Services) lists 5 of the 11 protections we track with terms: lost or damaged bags (up to $3,000 per trip), rental car damage (up to $75,000; secondary), travel accident (up to $250,000), emergency evacuation & medical (medical up to $2,500) and purchase protection (up to $500 per claim for 90 days). Not listed on the sources we checked: trip cancellation, trip delay, baggage delay, cell phone protection, extended warranty and return protection. Medical expenses abroad are capped at $2,500.
What the issuer lists
Trip cancellation & interruption Not listed
Not listed on the issuer source we checked. It may still appear in your Guide to Benefits; check before you rely on it either way.
Trip delay Not listed
Not listed on the issuer source we checked. It may still appear in your Guide to Benefits; check before you rely on it either way.
Baggage delay Not listed
Not listed on the issuer source we checked. It may still appear in your Guide to Benefits; check before you rely on it either way.
Lost or damaged baggage Listed with terms
Lost Luggage Reimbursement: up to $3,000 per covered trip (New York residents: $2,000 per bag), above what the common carrier pays, for checked or carry-on bags lost through theft or misdirection by the carrier. Charge the common-carrier ticket to the card.
Rental car collision damage (CDW) Listed with terms
Auto Rental Collision Damage Waiver: up to $75,000 for theft or collision damage. Use the card to initiate and complete the entire rental and decline the rental company's CDW/LDW. Secondary to your own insurance; primary if you have no other insurance or rent outside your country of residence. Rentals up to 31 consecutive days.
Travel accident insurance Listed with terms
$250,000 Worldwide Automatic Travel Accident Insurance, when the entire common-carrier fare (less redeemable certificates, vouchers or coupons) is charged to the card.
Emergency evacuation & medical Listed with terms
Emergency Medical/Dental Coverage: up to $2,500 for emergency treatment if you get sick or injured on a covered trip, with a $50 deductible, plus $75 a day for up to 5 days toward a hotel if a physician says you should recover there after a hospital stay. The trip must be 3 to 60 days long, at least 100 miles from home and charged to the card. No evacuation coverage is listed.
Cell phone protection Not listed
Not listed on the issuer source we checked. It may still appear in your Guide to Benefits; check before you rely on it either way.
Purchase protection (damage & theft) Listed with terms
Purchase Security: new purchases covered for 90 days against theft or damage from fire, vandalism, accidentally discharged water or certain weather conditions, up to $500 per claim and $50,000 per cardholder. Pay for all or part of the item with the card and/or its rewards.
Extended warranty Not listed
Not listed on the issuer source we checked. It may still appear in your Guide to Benefits; check before you rely on it either way.
Return protection Not listed
Not listed on the issuer source we checked. It may still appear in your Guide to Benefits; check before you rely on it either way.
Before you rely on this: benefits only apply when you pay the way the terms require (often the full purchase, fare, rental or phone bill on the card), they have exclusions, claim deadlines and documentation rules, and they can change. Your card’s Guide to Benefits is the final word. Not insurance advice.
What this card doesn’t list
Protections the Fidelity Rewards Visa Signature sources we checked say are not included, or don’t mention. Not listed doesn’t mean not covered: check your Guide to Benefits. For trips, a standalone travel insurance policy is one way people fill gaps like these; whether that is worth it depends on your trip.
- Trip cancellation & interruption: not listed on the issuer source we checked.
- Trip delay: not listed on the issuer source we checked.
- Baggage delay: not listed on the issuer source we checked.
- Cell phone protection: not listed on the issuer source we checked.
- Extended warranty: not listed on the issuer source we checked.
- Return protection: not listed on the issuer source we checked.
- Medical treatment costs abroad: capped at $2,500 on this card.
Quick answers
Does the Fidelity Rewards Visa Signature have cell phone protection?
Cell phone protection is not listed on the Fidelity (Elan Financial Services) sources we checked for this card. Not listed doesn’t mean not covered. Check your Guide to Benefits.
Does the Fidelity Rewards Visa Signature have purchase protection?
Fidelity (Elan Financial Services) lists purchase protection for this card. Purchase Security: new purchases covered for 90 days against theft or damage from fire, vandalism, accidentally discharged water or certain weather conditions, up to $500 per claim and $50,000 per cardholder. Pay for all or part of the item with the card and/or its rewards. Check your Guide to Benefits.
Is the Fidelity Rewards Visa Signature’s rental car coverage primary?
The Fidelity (Elan Financial Services) source describes it as secondary (primary abroad or with no other insurance). Auto Rental Collision Damage Waiver: up to $75,000 for theft or collision damage. Use the card to initiate and complete the entire rental and decline the rental company's CDW/LDW. Secondary to your own insurance; primary if you have no other insurance or rent outside your country of residence. Rentals up to 31 consecutive days. Check your Guide to Benefits.
Does the Fidelity Rewards Visa Signature include travel insurance?
The Fidelity (Elan Financial Services) sources we checked list lost or damaged bags, travel accident and emergency evacuation & medical for this card; see each protection above for its terms. Medical expenses abroad are capped at $2,500. Check your Guide to Benefits.
Do I have to pay with the Fidelity Rewards Visa Signature?
The sources we checked tie these protections to how you pay. Lost or damaged baggage: Charge the common-carrier ticket to the card. Travel accident insurance: $250,000 Worldwide Automatic Travel Accident Insurance, when the entire common-carrier fare (less redeemable certificates, vouchers or coupons) is charged to the card. Emergency evacuation & medical: The trip must be 3 to 60 days long, at least 100 miles from home and charged to the card. Purchase protection (damage & theft): Purchase Security: new purchases covered for 90 days against theft or damage from fire, vandalism, accidentally discharged water or certain weather conditions, up to $500 per claim and $50,000 per cardholder. Check your Guide to Benefits.
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