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Edward Jones Personal Credit Card
Serving investors doesn’t start and end with addressing long-term financial goals. We’re also here to help with everyday financial needs – including your need for a credit card.
Whether you typically carry a balance and prefer the advantages of a lower APR or don’t carry a balance and would rather enjoy the benefits of a richer rewards program, we offer a credit card solution for you.
Edward Jones World MasterCard®
|Edward Jones World Plus MasterCard®|
For those who typically carry a monthly balance and prefer the advantages of a lower APR
For those who typically do not carry a balance and prefer the advantages of earning Loyalty PointsTM faster
|Purchase APR: 12.99% variable1||Purchase APR: 14.99% to 25.99% variable1|
|Special Offer: Earn 10,000 bonus Loyalty Points when you spend $500 within the first 90 days of account opening.4 AND Enjoy 0% introductory APR1 for 12 billing cycles on balance transfers with a 3% fee1 on balances transferred within the first 30 days of account opening. After that, a variable APR, currently 12.99%.1 A balance transfer fee of 3% of each transfer amount ($5 minimum) will apply.1||Special Offer: Earn 10,000 bonus Loyalty Points when you spend $500 within the first 90 days of account opening.4|
Whichever you choose, both of our credit cards come with:
- No annual fee1
- Loyalty Rewards®: Earn Loyalty Points® and redeem them for cash back, travel, gift cards, charitable donations or ChoiceInvest™ 2
- ChoiceInvest: Redeem Loyalty Points to make cash deposits directly into the Edward Jones account of your choice2
- ScoreBoard Online Reporting: Free tool to help track and manage expenses
- Convenient MasterCard® benefits: 24-hour Concierge service3, Fraud Protection, Travel Accident Insurance, Easy Cash Access and more
Of course, our credit cards also come with the support and personalized service of your Edward Jones branch team. For more information about the Edward Jones credit cards, click here or contact your branch office today.
You will first be considered for the Edward Jones World or World Plus MasterCard; however, if you do not qualify you can still earn Loyalty Points. You’ll automatically be considered for the Edward Jones Platinum MasterCard which earns 1 Loyalty Point for every net $1 spent and offers lower redemption values on rewards and no MasterCardWorld Benefits.
1 The Edward Jones World Card: 0% Introductory APR applies to balance transfers made within 30 days of account opening and is valid for the first 12 billing cycles. The introductory rate does not apply to purchases and cash advances. Thereafter, the APR may vary and as of 07/23/13, the undiscounted variable APR for Balance Transfers is
12.99%. The variable APR for Purchases is 12.99%. We apply your minimum payment to balances with lower APRs first. Accounts paid over the minimum payment will be applied in the order of highest to lowest APR balances. The Edward Jones World Plus Card: The APR may vary and as of 07/23/13, the variable APR for Purchases and Balance Transfers is 14.99%–25.99% (based on your creditworthiness). The Edward Jones Platinum Card: The APR may vary and as of 07/23/13, the variable APR for Purchases and Balance Transfers is 15.99%–25.99% (based on your creditworthiness). The Edward Jones World Card, the Edward Jones World Plus Card and the Edward Jones Platinum Card: The variable APR for Cash Advances is 25.99%. Balance Transfer fee: 3% of each transfer amount, $5 minimum. Cash Advance fee: 4% of each advance amount, $10 minimum. Convenience Check fee: 3% of each check amount, $5 minimum. Cash Equivalent fee: 4% of each cash amount, $20 minimum. There is a $2 minimum interest charge where interest is due. The annual fee is $0. Foreign Transaction fee: 1% of each foreign purchase transaction or foreign ATM advance transaction.
2 Loyalty Points earned on net purchases (purchases minus credits and returns). For full terms and conditions of the Edward Jones MasterCard program, please contact your Edward Jones Financial Advisor.
3 Cardmembers are responsible for the cost of any goods or services purchased by the Concierge Service on cardmembers’ behalf.
4 Spend $500 within the first 90 days of account opening and 10,000 Loyalty Points will be credited to your account 6–8 weeks after the 90 day period. Your account must remain open, have available credit and be current (no minimum payment past due) to qualify.
We may change APRs, fees and other account terms in the future based on your experience with Elan Financial Services and its affiliates, as provided under the Cardmember Agreement and applicable law.
The creditor, issuer and service provider of the Edward Jones MasterCard is Elan Financial Services, pursuant to a license from MasterCard International Incorporated. MasterCard is a registered trademark of MasterCard International Incorporated. © 2014 Elan Financial Services. All rights reserved.