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Fidelity vs Mint

Fidelity logo

Fidelity

Software

Building a better financial future

From
On request
Rated
-
Full reviewWebsite
Mint logo

Mint

Software

All your money in one app

From
Free
Rated
-
Full reviewWebsite

The short version

  • Only Mint has a free tier, so it costs nothing to try first.
  • Each has a real cost: Fidelity options trades carry a 0.65 USD per contract fee on top of zero commission; Mint service transitioned to Credit Karma platform; standalone Mint features migrated elsewhere
  • They diverge on capability: Fidelity covers Commission-free trading, Mint covers Expense tracking.

Where they differ

Only the attributes on which Fidelity and Mint actually diverge.

Attributes where Fidelity and Mint differ
AttributeFidelityMint
Starting priceOn requestFree
Pricing modeltransactionfree
Free tierNoYes
Founded19462006

Identical on both: platforms (Web, IOS, Android), user rating (Not yet rated), category (Unknown).

What each one covers

Drawn from each product's published feature list. An absence here means we hold no record of it - not that the product lacks it.

Only in Fidelity

  • Commission-free trading
  • Retirement planning
  • Advisory services
  • Research tools
  • Bank accounts
  • Investment accounts
  • IOS support

Only in Mint

  • Expense tracking
  • Budgets
  • Bill tracking
  • Credit score monitoring
  • Financial insights
  • Bank connections
  • Bank-level encryption
  • Verisign secured

Both cover

  • Web support
  • Android support

What people use each for

The jobs each tool is most often brought in to do.

Fidelity

  • Commission free trading of US stocks and ETFsnot Mint
  • Holding IRAs, 401(k) plans and taxable brokerage accountsnot Mint
  • Trading bonds, options and mutual funds from one accountnot Mint

Mint

  • Legacy free budget tracking for users with supported bank connectionsnot Fidelity
  • Users transitioning to Credit Karma for continued money management featuresnot Fidelity

Where each one falls short

Documented limitations, not opinions. Every one is a constraint you would hit in normal use.

Fidelity

  • Options trades carry a 0.65 USD per contract fee on top of zero commission
  • Non Fidelity mutual funds carry a 49.95 USD transaction fee per purchase
  • Secondary market bonds cost 1.00 USD per bond, while new issues are free
  • A foreign settlement fee of 50 USD applies per trade
  • Margin rates are tiered by debit balance, from 11.825 percent below 25,000 USD down to 7.50 percent at 1 million USD or more, against a base rate of 10.575 percent effective 12 December 2025
  • Margin liquidation by the broker costs 32.95 USD per liquidation

Mint

  • Service transitioned to Credit Karma platform; standalone Mint features migrated elsewhere
  • Bank connections supported for only 17,000 financial institutions; many regional or international banks not supported

Pricing, plan by plan

Fidelity

On request
  • Brokerage$undefined/month
    • Commission-free trading
    • Research tools
  • Advisory$undefined/month
    • Personal advisor
    • Wealth management

Mint

Free

No published plan breakdown. See the Mint review.

Which should you pick?

Choose Fidelity if

  • You need commission-free trading.
  • You work on Web, IOS, Android.
  • You also want retirement planning.
Fidelity review

Choose Mint if

  • You need expense tracking.
  • You want to start without paying.
  • You work on Web, iOS, Android.
  • You also want budgets.
Mint review

Questions people ask

Is Fidelity or Mint better?
Neither clearly leads. Fidelity starts at On request and Mint at Free, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Fidelity or Mint?
Mint has a free tier; the other does not. Paid plans start at On request for Fidelity and Free for Mint.
Does Fidelity or Mint run on more platforms?
Fidelity runs on Web, IOS, Android. Mint runs on Web, iOS, Android.
Can I use Mint for free?
Yes. Mint has a free tier, so you can try it without paying. Fidelity starts at On request.
What is Fidelity best used for?
Fidelity is most often used for commission free trading of us stocks and etfs, holding iras, 401(k) plans and taxable brokerage accounts, trading bonds, options and mutual funds from one account. Of those, commission free trading of us stocks and etfs and holding iras, 401(k) plans and taxable brokerage accounts are not what Mint is typically brought in for.
What can Fidelity do that Mint cannot?
Fidelity covers Commission-free trading, Retirement planning, Advisory services, Research tools. Mint covers Expense tracking, Budgets, Bill tracking, Credit score monitoring. Both handle Web support, Android support.
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