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It’s hard to beat Fidelitys offer right now. They give you a 2-3% checking account. A 2% cash back credit card, access to their low cost funds and a decent enou

It’s hard to beat Fidelitys offer right now. They give you a 2-3% checking account. A 2% cash back credit card, access to their low cost funds and a decent enough website. All in one place. Other brokerages are better at their niche but the fidelity package is quite competitive

silisili 2y ago
Fidelity has great features, but is hamstrung by their awful execution. The app is clunky, slow, and looks like something from the 90s. Just logging in takes an average of 10-15 seconds. The credit card is serviced by Elan, who is awful, but aside from that, the UX is abysmal. It feels like it redirects no less than 8 times to get to the credit card page. My phone won't even load it, so I have to do it on my computer. It's so frustrating to me because I feel like they're 90% of the way there and just need a bit of UX work. But I've had that feeling for years now, with no real progress made, so am slowly moving away. If you don't touch your money often, it's probably fine - great even, but it became too frustrating for me in the end as an everyday use account.
- nothercastle 2y ago
  Good to know that Elan services the card and is terrible. I’ll avoid
  - js2 2y ago
    FWIW, I've been using the card since late 2019 and had zero issues with it. There aren't a lot of 2% cards that just straight give you 2% cash back w/o any hoops[1]. The Fidelity card is no muss no fuss for me. 2% just magically appears in my designated Fidelity account at the end of the month. I have not had to interact with Elan customer service, so I can't speak to that. I also don't care about the Fidelity mobile app (I use fidelty.com from my laptop). I haven't had any issues using fidelty.com to manage the card. [1] https://old.reddit.com/r/CreditCards/wiki/list_of_flat_cashback_cards_with_benefits https://old.reddit.com/r/CreditCards/wiki/list_of_flat_cashb...
    - hawaiianbrah 2y ago
      I used this card for a few months before usbank launched their smartly card, at which point I moved 100k from fidelity to a usbank IRA and now enjoy 4% cash back.
      - deleted 2y ago
        [deleted]
      - ac29 2y ago
        Elan is a division of US Bank, so while the branding on your card might have changed, its being run by the same company.
    - ghaff 2y ago
      I've had to replace the card once or twice for various reasons and never had any issues. It's a good enough offer that I'm not likely to jump through hoops or create some big other account to improve on. I'm not down to a single account but I've simplified things and diversified.

silisili 2y ago

Fidelity has great features, but is hamstrung by their awful execution. The app is clunky, slow, and looks like something from the 90s. Just logging in takes an average of 10-15 seconds. The credit card is serviced by Elan, who is awful, but aside from that, the UX is abysmal. It feels like it redirects no less than 8 times to get to the credit card page. My phone won't even load it, so I have to do it on my computer. It's so frustrating to me because I feel like they're 90% of the way there and just need a bit of UX work. But I've had that feeling for years now, with no real progress made, so am slowly moving away. If you don't touch your money often, it's probably fine - great even, but it became too frustrating for me in the end as an everyday use account.

nothercastle 2y ago
Good to know that Elan services the card and is terrible. I’ll avoid
- js2 2y ago
  FWIW, I've been using the card since late 2019 and had zero issues with it. There aren't a lot of 2% cards that just straight give you 2% cash back w/o any hoops[1]. The Fidelity card is no muss no fuss for me. 2% just magically appears in my designated Fidelity account at the end of the month. I have not had to interact with Elan customer service, so I can't speak to that. I also don't care about the Fidelity mobile app (I use fidelty.com from my laptop). I haven't had any issues using fidelty.com to manage the card. [1] https://old.reddit.com/r/CreditCards/wiki/list_of_flat_cashback_cards_with_benefits https://old.reddit.com/r/CreditCards/wiki/list_of_flat_cashb...
  - hawaiianbrah 2y ago
    I used this card for a few months before usbank launched their smartly card, at which point I moved 100k from fidelity to a usbank IRA and now enjoy 4% cash back.
    - deleted 2y ago
      [deleted]
    - ac29 2y ago
      Elan is a division of US Bank, so while the branding on your card might have changed, its being run by the same company.
  - ghaff 2y ago
    I've had to replace the card once or twice for various reasons and never had any issues. It's a good enough offer that I'm not likely to jump through hoops or create some big other account to improve on. I'm not down to a single account but I've simplified things and diversified.