Personal Credit Cards

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Two options for your unique needs

Serving investors isn't just about 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 rate or don’t carry a balance and would rather enjoy the benefits of a better rewards program, we offer a credit card solution for you.

We offer two credit card solutions: Our Edward Jones World MasterCard® and our Edward Jones World Plus MasterCard®.

Edward Jones World MasterCard®

For those who typically carry a monthly balance and prefer the advantages of a lower APR:

  • 13.24% variable purchase APR1
  • Earn 1 Loyalty Point® on every net $1 spent3
  • No annual fee1
  • Special Offer: Receive a 0% Introductory APR1 for 12 billing cycles on balance transfers and a 0% introductory fee1 for balances transferred within 60 days of account opening. After that, a variable APR, currently 13.24%,1 and balance transfer fees of 3% of each transfer amount ($5 minimum) apply.1 Plus, earn a $100 Loyalty InvestTM cash deposit with this offer after you spend $500 within the first 90 days of account opening.4 This offer expires on 4/30/17 and does not apply to the World Plus card.2

Edward Jones World Plus MasterCard®

For those who typically do not carry a balance and prefer the advantages of earning Loyalty Points® faster:

  • 15.24% to 26.24% variable purchase APR2
  • Earn 1.5 Loyalty Points® on every net $1 spent up to $20,000 and 2 Loyalty Points® on every net $1 spent over $20,000 annually3
  • No annual fee2

Rewards & benefits

Both the Edward Jones World Card® and World Plus Card® share these valuable rewards and benefits:

  • Loyalty Rewards: Earn and redeem Loyalty Points for travel, cash back (statement credit), gift cards, charitable donations or Loyalty Invest™
  • Edward Jones Loyalty Invest™: An investment option that allows you to redeem points for cash deposits directly into an Edward Jones account
  • ScoreBoard Online Reporting helps track and manage personal spending
  • MasterCard® World Benefits5: Concierge service, fraud protection, MasterRental® Insurance/collision damage waiver coverage, emergency card and cash, travel and emergency assistance services, easy cash access

Apply today

Ask your financial advisor for more information on our credit card options to help you decide which card is right for you. Apply now by logging in to Online Account Access and visiting the Loans & Credit section within the Accounts tab.

Important Information:

1 The 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 04/01/16, the undiscounted variable APR for balance transfers is 13.24%. The variable APR for purchases is 13.24%. 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 04/01/16, the undiscounted variable APR for balance transfers is 16.24%–26.24% (based on your creditworthiness). The variable APR for purchases is 16.24%–26.24% (based on your creditworthiness). The Edward Jones World Card and the Edward Jones Platinum Card: The variable APR for cash advances is 26.24%. 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. 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.

2 The Edward Jones World Plus Card: The APR may vary and as of 04/01/16, the variable APR for Purchases and Balance Transfers is 15.24%–26.24% (based on your creditworthiness). The Edward Jones Platinum Card: The APR may vary and as of 04/01/16, the variable APR for Purchases and Balance Transfers is 16.24%–26.24% (based on your creditworthiness). The Edward Jones World Plus Card and the Edward Jones Platinum Card: The variable APR for Cash Advances is 26.24%. 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. 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.

3 Loyalty Points® based on net purchases (purchases minus credits and returns). For full terms and conditions of the Edward Jones MasterCard program, please contact your Edward Jones branch. Accounts must be open and current to earn and redeem points. Offer valid for new accounts only.

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. The 10,000 Loyalty Points can be redeemed for a $100 Loyalty InvestTM 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.

5 Certain 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.

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 of MasterCard International Incorporated. ©2016 Elan Financial Services.

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