Fidelity has two free cards, AMEX that is 2% and VISA that is 1.5%, switching to 2% after $15000 is spent (every year). Schwab is a 2% VISA card. AMEX is accepted in fewer places, which may be a factor.

Otherwise, Fidelity works as expected. You can set it up so that earned points automatically transfer to your Fidelity account. AFAIK, credit card cashback is not taxable (treated as a refund).