I recall my Fidelity Visa card had been 2% from the getgo, but evidently my memory is faulty. Never had to ask for 2%. Have dealt w Elan a lot and no problems, except that the card gets hacked a lot. I have replaced ours maybe 4 times the last year-plus; one time the new one that came in the mail was hacked within a day or two.
The best simple card deal I know, if you're a Verizon wireless customer, is their Visa card, which lets you apply 4% of all food / dining purchases (3% gas and maybe some other things) toward your wireless bill. Some months we pay 1990s-level totals for three cellphones, or even lower.

• 5/14/24: Justice Department: Boeing Violated Settlement Over 737 Max Problems
Following are short excerpts from a current New York Times Report:

The Department of Justice said on Tuesday that Boeing was in violation of a 2021 settlement related to problems with the company’s 737 Max model that led to two deadly plane crashes in 2018 and 2019.
In a letter to a federal judge, the department said that Boeing had failed to “design, implement and enforce” an ethics program to prevent and detect violations of U.S. fraud laws in the company’s operations. Creating that program was a condition of Boeing’s settlement, which also carried a $2.5 billion penalty.
The determination by the Justice Department opens the door to a potential prosecution of a 2021 criminal charge accusing Boeing of conspiracy to defraud the Federal Aviation Administration, though Boeing can contest Tuesday’s decision.
In a statement, Boeing said that the company believed that it had honored the terms of the settlement, adding that it was looking forward to the opportunity to respond.

To recap, in the OT section the articles on the Boeing situation are as follows
• 4/6/24: Boeing workers falsified 787 inspection records- FAA will investigate
• 3/25/24: Shakeup: Boeing CEO Dave Calhoun to step down
• 3/12/24: Boeing quality whistleblower John Barnett is found shot dead
• 3/9/24: Boeing Subject of Criminal Inquiry by DOJ
• 3/6/24: Boeing stonewalling National Transportation Safety Board, says top US safety official
• 2/28/24: FAA gives Boeing 90 days to fix quality control issues
• 2/26/24: Boeing Efforts to Improve Safety Fall Short, FAA Panel Says
• 2/21/24: Head of Boeing’s 737 program will leave the company
• 1/25/24: Airlines Hoping for More Boeing Jets Could Be Waiting Awhile
• 1/25/24: Alaska holds Boeing accountable, wants to be made whole for $150M in losses
• 1/24/24: Boeing's quality control: "A rambling, shambling, disaster waiting to happen"
• 1/23/24: United Airlines re Boeing: "The Straw That Broke the Camel's Back"
• 1/22/24: FAA: Airlines should check the door plugs on another model of Boeing plane
• 1/12/24: FAA to increase oversight of Boeing citing ‘other manufacturing problems'
• 1/11/24: F.A.A. Investigating Whether Boeing 737 Max 9 Conformed to Approved Design
• 1/10/24: Boeing 737 Max 9: A closer look at the much-discussed "missing bolts" -
• 1/9/24: FAA says safety ‘not speed’ will decide how long Boeing jets are grounded
• 1/8/24: United finds loose bolts on Boeing jets grounded after blowout incident
• 1/7/24: Yet More Trouble on the Boeing 737... so it's asking for an exemption to safety rules

FWIW, I have never received notifications for voting for VG BOD
VFIAX owns AAPL, but if you own VFIAX you don't own AAPL directly. So you don't get to vote for AAPL's BOD. Your fund does.
Likewise, Vanguard funds own The Vanguard Group, so you don't get to vote for The Vanguard Group's BOD.
What you do get to vote on, every decade or so, are your Vanguard funds' BODs. The last time this happened was in 2017. If you owned a Vanguard fund then, you got a notice. Though most shareholders probably didn't "notice".

The Vanguard Funds
Notice of Joint Special Meeting of Shareholders
All Vanguard funds will host a Joint Special Meeting of Shareholders on Wednesday, November 15, 2017, at 8:00 a.m., local Arizona time, at the DoubleTree Paradise Valley Scottsdale, 5401 N. Scottsdale Rd., Scottsdale, Arizona 85250. This joint special meeting of the Vanguard funds is being held so that shareholders can vote on Vanguard’s proposals to:
1. Elect Trustees for each fund.
2. ...

https://www.sec.gov/Archives/edgar/data/34066/000093247117004795/def14a.htm
Never mind the fact that "Each nominee [for fund trustee] also serves as a director of The Vanguard Group, Inc." OTOH, since the trustees of The Vanguard Group are identical to the trustees of each fund, you are effectively voting on The Vanguard Group's BOD.
Now doesn't that make you feel empowered :-(

Vanguard is private, so it doesn't follow the selection process used for typical public co BOD. FWIW, I have never received notifications for voting for VG BOD (some like TIAA hold only advisory votes). BOD is authorized to act on behalf of shareholders / stakeholders. Here are VG BOD members,
https://corporate.vanguard.com/content/corporatesite/us/en/corp/who-we-are/sets-us-apart/our-management-team.html#tabs-2be5cbb156-item-be6b32b2b9-tab

Sure, it's a personal choice. Just to add my 2c: a CC application itself normally causes a hard pull on the credit report which can, indeed, 'stay' on your report for 2 years but 'affects' your score for 1 year. I did this offer last year - it cost me 12 points w one of the agencies (I did not track It did not go on the other two).

@hank : Did you happen to ask the contractor if he up charges for payment with the card? That wouldn't make you happy if he did ! Say 3% on $15K.

My experience is that the credit hits are at least that bad. When my current balance across all cards approaches 10% of my total credit limit across all cards (and not more than 25% on any given card), my credit scores take 20 point hits. I have a good enough credit rating that this doesn't worry me, but this is still crazy.
A hard pull can stay on your record for two years. Even if you abort an application before completing it. (I suppose one could contest that part of one's credit file, but what seems to matter is the fact that a credit inquiry was made, not so much whether it was justified.)
So I'm not too inclined to play the credit card application bonus game. If there's an offer on a card I wouldn't consider holding long term, I'll usually pass.

By the way, as an "owner" I didn't have any say in what the board decided. Or who's on the board. Oh well. Surely there's more going on here than we've been told. Clifford Chance is a mega-international law firm so we can assume he's bright. Seems like he's an index guy. Vanguard runs its funds and ETFs just fine, it's every other aspect of the business that sucks. Continuing shareholder, but transferred the last of my accounts out today. Beating the $100 fee while availing myself of actual personal service.

I dunno, make of it what you will.
https://www.prnewswire.com/news-releases/vanguard-announces-appointment-of-salim-ramji-as-new-ceo-302145541.html

@Derf per Schwab: "The combined total of our SIPC coverage and our "excess SIPC" coverage means Schwab provides protection up to an aggregate of US$600 million, limited to a combined return of US$150 million per customer, up to US$1.15 million of which may be in cash. This protection becomes available in the event SIPC limits are exhausted."
https://international.schwab.com/account-protection
Standard SIPC coverage is described here and - depending on how your 2 IRAs are set up - would be between $1.5M and $2M total w $500K per "account" as defined by SIPC via 'capacity' ($250K cash).

I have 4 accounts with Schwab, 2 IRA's , 1 Roth , 1 Individual. How much SIPC coverage do I have ? $2 million , or $500k ?

@yugo is correct. If you use your credit card line in full, there is a penalty on the credit score. You should keep the usage % low, around 20-30% of the credit limit (per card). And 0% card offers may have initial 3-5% fee and duration of 12-18 months only.
Look into HELOC for home improvement loans.

I agree with pretty much everything said above. Something to add:
1. Elan is a real pain to deal with if you ever have a problem with an incorrect charge or, say, a refund that does not go through. I have had such issues on several cards and, in spite of an ultimately successful resolution, Elan was by far the most difficult to deal with.
2. You likely know this already, but in case somebody is not aware: even though they are offering this as a 0% APR promo, it will still count as a CC balance which may cause a larger hit on your credit report than other loan types.
@msf Citi is running a 75K mileage promo on their AAdvantage Platinum Select MC w $0 fee for the first year (spend $3,500 over the first 3 months). Depending on which estimate you believe, this is a $915 to $1,275 value. After the first year, you can switch to Citi AAdvantage MileUp MC, which - unlike most mileage cards - has $0 annual fee. (The conversion is free, preserves credit limit, and does not go on the credit report.) If you fly American Airlines only occasionally, any activity on these cards stops AAdvantage miles from expiring.

Many brokerages carry "excess of SIPC" coverage. For example, Fidelity writes:

Excess of SIPC: In addition to SIPC protection, Fidelity provides its brokerage customers with additional "excess of SIPC" coverage. The excess coverage would only be used when SIPC coverage is exhausted. Like SIPC, excess protection does not cover investment losses in customer accounts, including losses due to market fluctuation. For example, fraud claims would not be covered if the brokerage firm was still in operation. Total aggregate excess of SIPC coverage available through Fidelity's excess of SIPC policy is $1 billion. Within Fidelity's excess of SIPC coverage, there is no per customer dollar limit on coverage of securities, but there is a per customer limit of $1.9 million on coverage of cash awaiting investment. This is the maximum excess of SIPC protection currently available in the brokerage industry.
Both SIPC and excess of SIPC coverage is limited to securities held in brokerage positions, including mutual funds if held in your brokerage account and securities held in book entry form

https://clearingcustody.fidelity.com/app/proxy/content?literatureURL=/9860886.PDF
Alternatively, you could transfer securities "in-kind", meaning that they are not sold but merely moved from one brokerage to another. This only works if the receiving brokerage is able to hold the securities being transferred. Usually MMFs have to be transferred as cash and some proprietary mutual funds cannot be held by all brokerages.

It was actually Elan (which I declined to name earlier) that has caused my angst. But honestly, I’ve been treated like royality by them for 15-20 years except for the recent change not allowing domestic travel notes. Sorry to hear people have said unkind things about them.
Everyone is moving more and more to automation. Humans are too expensive. I suspect that’s where this travel-notes change stems from. Carrying extra cash in your sock or wherever doesn’t work very well at 2:30 AM and you’re stranded somewhere ordering food online.
I carry 3 debit cards counting the Fidelity C/M card. Just one real CC.
My plan: Keep the current Elan for what I use it for. Call Fido to get a specific dollar offer before applying for their card. If it’s close to the 15K the planned infrastructure project will require, I’ll be glad to put that on their card, invest the money elsewhere, and pay them back a year later. (And maybe pocket the extra 2% as well).
And - Oh. Thanks for the help everyone.

Coverage is $500K per 'separate capacity' - defined, loosely, by account ownership and type: https://www.sipc.org/for-investors/investors-with-multiple-accounts
Since it sounds like everything is currently in a "joint" account, you could open an 'individual' account at the same firm and move some of the assets there.
Alternatively, you can move assets to another firm "in-kind", which would not be a taxable event.

I had been under the impression that SIPC covers JOINT accounts for $500K for each of the joint owners, or $1M for a couple.
I found out today that the coverage is only $500k for the whole account.
I now have far more in our joint account than the SIPC will cover. I could sell a lot of it and move it to another brokerage firm, but that would involve a very large CG tax.
Does anyone know any way to get around this?

There are a few small gotchas.
In 2016, Fidelity changed bank providers from BofA (FIACardServices) to Elan. Do a little web searching and you will find many less than kind things said about Elan's customer service. If you don't run into a problem with the card, that isn't a big deal.
https://www.spglobal.com/marketintelligence/en/news-insights/trending/OcLG5wTmofuC0d1S2BiROA2
If you had a Visa Signature Card before that switch, it paid only 1.5% until you hit $15K of charges in a year, then it paid 2%. When Fidelity switched to Elan, it didn't automatically up the rebate to a flat 2%, you had to ask for it.
https://www.doctorofcredit.com/fidelity-changing-over-product-change-fidelity-1-5-fidelity-2-card/
In order to get the full 2% back, you need to have a Fidelity account into which the rebates can be deposited. Not an issue for @hank who opened accounts there, but still it is used as a hook to reel in customers.
Personally, another gotcha is that I've got enough Visa cards in my wallet already. If Fidelity offered this as a MC, I might look into it. (There are still some vendors, like Costco, that take one brand of card but not others.) That's specific to me, though.

Glad to hear you use this card @Observant1 … Thanks for the info.
I use Identity Guard following an identity theft over a decade ago. And, using IG I keep my credit files locked. Probably reason I get so few offers. Fido is obviously reaching out because I have assets invested with them.
BTW - The offer does mention a 19.24%+ APR on unpaid balances. Obviously that’s after the introductory term. And 29+% on cash advances (thought Jesse James was dead).

Naw @Mike … I prefer generally to pay cash for most things. (Just sent the propane company a $420 check for a tank top-off.) But for airfare, hotels, rental cars etc. I rely on credit. I could make an exception and charge the home project if Fido really wants to lend me 10 or 15K interest free for a year. Doesnt’t take rocket science to know you can invest that amount for 5%.
I’d rather not name my current Visa provider. Been with the firm 20 years. Large well known financial services company. But they will no longer accept “travel notes” ahead of domestic travel. So … after ending up stranded out of state in the early AM hours in January due to a flight delay, they declined a purchase for food (as “suspicious”). And the food / delivery provider would only accept credit at that time of night.
I do have a debit card tied to my Fido cash management account. And, thankfully, they allow you to leave travel notes, as I would expect their signature credit card would.
Thanks for the thoughts folks. I was thinking maybe there’s a hidden fee with the Fido card? Or maybe they’ll low ball me by offering only a small initial credit limit? Won’t know until I apply. Offer’s good until some time in July.