EJ World Mastercard and EJ World Plus MasterCard options Man leading discussion

EDWARD JONES WORLD MASTERCARD®

Earn a
$100 Loyalty Invest™ Deposit!

$100 after you spend $500 in eligible net purchases on your card within 90 days of opening your account!1,4

PLUS:

  • 0% Intro APR2 for the first 12 billing cycles on balance transfers; after that a variable APR, currently 14.99%2
  • 0% Introductory fee2 for balances transferred within the first 60 days of account opening; after that a balance transfer fee of 3%of each transferred amount ($5 minimum) will apply.2

EDWARD JONES WORLD PLUS MASTERCARD®

Earn up to
$200 in Loyalty Invest™ Deposits!

$100 after you spend $2,000 in eligible net purchases on your card within 90 days of opening your account!1,4

PLUS:

  • Another $100 after you spend $30,000 in eligible net purchases on your card during the first 12 months of cardmembership!3,4

Use it today. Invest in your tomorrow.

With the Edward Jones Mastercard® and its Loyalty Invest™ reward option, you can earn and redeem Loyalty Points® for cash deposits into your Edward Jones account.

Card benefits include:

  • No Annual Fee2,5
  • Unlimited Loyalty Rewards®: Earn4 Loyalty Points® on everyday spend and redeem them for cash back (statement credit), travel, gift cards, charitable donations or Edward Jones Loyalty Invest™ deposits.6
  • Spend Analysis: An online tool to help track personal spending
  • Additional Benefits:7 24-hour Concierge service, Fraud Protection, Travel Accident Insurance, Easy Cash Access, Free credit score8 powered by TransUnion® and more

You’ll also have the support and personalized service of your Edward Jones financial advisor – someone who understands your day-to-day spending needs and long-term financial goals.

Make every purchase an investment in the future

Ask your financial advisor for more information on the Edward Jones MasterCard® to help you decide which card is right for you. Or apply now by logging in to Online Access and visiting the Loans & Credit section within the Accounts tab.

There are three consumer Edward Jones credit cards: the World Mastercard, the World Plus Mastercard and the Platinum Mastercard. Applications that do not qualify for the World or World Plus Mastercard will then be automatically considered for the Platinum Mastercard. These cards may have different credit terms, as set forth in the Summary of World Mastercard and World Plus Mastercard Account Terms below, and have different benefits as follows: The World Plus Mastercard earns 1.5 points on all eligible net purchases up to $20,000 in annual spend and 2 points per $1 on all eligible net purchases above $20,000 in annual spend and is not eligible for the introductory offers. The World and Platinum Mastercard both earn 1 point per $1 on all eligible net purchases. The Platinum Mastercard does not offer the same World Mastercard benefits and the point redemption values may differ.

Important Information:

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.

1Spend $500 in eligible net purchases 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. The 10,000 Loyalty Points can be redeemed for up to a $100 Loyalty Invest™ cash deposit into the Edward Jones investment account of your choice. Your account must remain open, have available credit and be current (no minimum payment past due) to qualify.

2The Edward Jones World Card: The 0% introductory APR applies to balance transfers (made within 60 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 10/12/18, the undiscounted variable APR for balance transfers is 14.99%. The variable APR for purchases is 14.99%. The Edward Jones Platinum Card: The 0% introductory APR applies to balance transfers (made within 60 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 10/15/18, the undiscounted variable APR for balance transfers is 17.99 - 27.99% (based on your creditworthiness). The variable APR for purchases is 17.99% - 27.99% (based on your creditworthiness). The Edward Jones World Card and the Edward Jones Platinum Card: The variable APR for cash advances is 27.99%. 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 0% introductory balance transfer fee on balances transferred within the first 60 days of account opening. After that, a balance transfer fee of 3% of each transfer amount ($5 minimum) will apply. 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. We apply your minimum payment to balances with lower APRs first, including promotional APRs. Amounts paid over the minimum payment will be applied in the order of highest to lowest APR balances.

3Spend $2,000 in eligible net purchases 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. Spend $30,000 in eligible net purchases within the first 365 days of account opening, and 10,000 Loyalty Points® will be credited to your account 6-8 weeks after the 365-day period See footnote 4 for information on eligible net purchases. The 10,000 Loyalty Points® can be redeemed for up to a $100 Loyalty Invest cash deposit into the Edwards Jones Investment Account of your choice. Your account must remain open, have available credit and be current (no minimum payment past due) to qualify.

4Account must be open and in good standing to earn and redeem rewards and benefits. Upon approval, please refer to your Rewards Program Guide for additional information. Loyalty Points® based on eligible net purchases. Net purchases are purchases minus credits and returns. Not all transactions are eligible to earn Loyalty Points®, such as Balance Transfers, Cash Advances, and purchases of cash convertible items. No specified spend categories and no online enrollment required. You may not redeem Points, and you will immediately lose all your Points, if your Account is closed to future transactions (including, but not limited to, Program misuse, failure to pay, bankruptcy, or death). For full terms and conditions of the Edward Jones Mastercard program, please contact your Edward Jones branch. Offer valid for new accounts only.

5The Edward Jones World Plus Card: The APR may vary and as of 10/15/18, the variable APR for Purchases and Balance Transfers is 16.99% - 27.99% (based on your creditworthiness). The Edward Jones Platinum Card: The APR may vary and as of 10/15/18, the variable APR for Purchases and Balance Transfers is 17.99% - 27.99% (based on your creditworthiness). The Edward Jones World Plus Card and the Edward Jones Platinum Card: The variable APR for Cash Advances is 27.99%. 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. Balance Transfer fee: 3% of each transfer amount, $5 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.

6Loyalty Points® may be redeemed for airfare (subject to the maximum ticket prices and redemption schedule set forth in the Reward Program Rules), Edward Jones Loyalty Invest™, gift certificates, or cash back in the form of a statement credit. Please refer to your Rewards Program Rules for additional information. The Edward Jones Platinum Mastercard may have different redemption requirements and redemption rates than the Edward Jones World and World Plus Mastercard. For example, with the Platinum Mastercard, the customer must redeem at least 25,000 Loyalty Points® per redemption to obtain the same Loyalty Invest redemption rate that a World or World Plus Mastercard would receive (0.01 redemption rate: 10,000 points = $100); otherwise, Platinum card Loyalty Points® will be redeemed at a reduced rate (0.0068 redemption rate: 10,000 points = $68). Upon approval, see Cardmember Agreement for details.

7Certain terms, conditions and exclusions apply. Please refer to your Guide to Benefits for further details. Cardmembers are responsible for the cost of any goods or services purchased by the Concierge Service on cardmembers’ behalf.

8Free credit score access, Alerts and Score Simulator through TransUnion’s CreditView™ Dashboard are available to Elan Online Access customers only. Alerts require a TransUnion database match. It is possible that some enrolled members may not qualify for the Alert functionality. Free credit score access is not available in the Mobile App. The free VantageScore® credit score from TransUnion® is for educational purposes only and not used by Elan Financial Services to make credit decisions.

The creditor and issuer of the Edward Jones Mastercard is Elan Financial Services, pursuant to a license from Mastercard International Incorporated. Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated. © 2018 Elan Financial Services.