Been a miles hoarder for my whole life (United, American, Delta). I just learned about fidelity (2% cash back on all purchases/no annual). Seems legit. Any one have experience?

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Only one I know that's better is the Citi Forward that gives 5x points for dining (i like to eat out). Not sure if it's still offered tho.

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No experience myself since I don’t have a fidelity account – think it’s required. But on pure valuation, the 2% is higher than any points you’d earn with your airline cards. Sounds like a good deal.

I life the feeling of a first class upgrade on the house booked with miles :) That's why I prefer them over cash back...

My friend uses the card and likes it. I use fidelity for my cash management account

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