This card is not managed by Fidelity. Instead, they contracted Elan Financial Services. I used my card on every purchase for 6 months, expecting that I could redeem the 2% cashback in my Fidelity account(s). Instead, Elan told me that there was no way for me to view my 2% rewards in my Fidelity account and told me that I had to use their app to view the rewards. Basically, they make it impossible to redeem any rewards, even though I have been a customer of Fidelity for over a decade. Elan is a shady company (google them to find out more) and Fidelity is not willing to manage their own credit card, so I closed my account.