When using the Fidelity connection for the Fidelity Visa card, pending transactions won't download. This is a known issue with the connection and can be frustrating because it takes 3-5 days for pending transactions to clear. Here's how to fix that:
Go to
https://fidelityrewards.com/
and create a new account. Essentially this will make an account through Elon Financial.
Make your existing Fidelity Visa account Manual.
Create a new account and choose "Elan Financial." Use the credentials you just created and link your the account you just made manual.
You now can get all transactions, including Pending, immediately. The only downside I see is that it requires 2FA authentication (text message code), even with "Two step verification" is off on the Fidelity rewards site.
[edited to correct spelling]