Fidelity Rewards Visa Signature

The Fidelity Rewards Visa Signature earns a flat 2% cash back on everything with no annual fee, which puts it among the simplest high-rate cards around, as long as you deposit those rewards into an eligible Fidelity account. That condition is the real catch: if you do not already invest or save with Fidelity, or do not want to open an account there, the card loses its main appeal. The card also recently dropped its $150 signup bonus, so there is no longer an upfront reward to sweeten the application. On the plus side, there is no foreign transaction fee and up to $100 in reward points toward a Global Entry or TSA PreCheck application every 5 years. For Fidelity customers it is an easy, set-and-forget pick for all their spending.