citi double cash
fidelity amex
Fidelity is now Visa.
Their T&C say:
You will earn 2 points per dollar in eligible net purchases (net purchases are purchases minus credits and returns) that you charge. Credits, returns, adjustments, and certain transactions do not earn points. The 2% rewards value applies only to points redeemed for a deposit into an eligible Fidelity account. The redemption value is different if you choose to redeem your points for other rewards such as travel options, merchandise, gift cards, and/or a statement credit. Other restrictions apply. Full details appear in the Program Rules new card customers receive with their card. Establishment or ownership of a Fidelity account or other relationship with Fidelity Investments is not required to obtain a card or to be eligible to use points to obtain any rewards offered under the program other than Fidelity Rewards.
I don't know what eligible Fidelity accounts exist. I do know that USAA has a phenomenal checking account with no minimums, free checks (order 100 at a time), free ACH transfers in and out (extremely useful), remote deposit with great funds availability, ATM fee rebates. They now also have an account that give 10 cents per debit card charge of $1 or more, but no ATM fee rebates.