As far as I can tell, this is the best cash-back card program out there. Once you get it set up and linked to your fidelity account (brokerage, cash mgmt., IRA, whatever); you get cash back automatically and easily. If you spend $10,000 per year, you are looking at getting $200 back to invest. If you are spending on a reimbursable business account, then this is a no-brainer. Customer Service Unfortunately initial setup and linking to an account is a little cumbersome; and the card-services rep was terrible; confused; and confusing. Available Rates Don't get this card if you carry a balance. If you pay off your balance monthly, then this no annual fee card is perfect for you.