Edward Jones is a well-known financial firm. They manage a wide variety of investments for their clients. They also offer three Edward Jones credit cards, which are only available to Edward Jones clients. The Edward Jones World and World Plus Mastercards® both offer loyalty rewards which can be deposited in your investment account.
The cards are issued by Elan Financial Services. You need excellent credit to qualify for the World and World Plus credit cards. If you don’t qualify for a World or World Plus card, they will consider you for a Platinum card.
Edward Jones Credit Card Types
|Compare Edward Jones Credit Cards||
Edward Jones World MasterCard®
|Edward Jones Platinum MasterCard®||
Edward Jones World Plus MasterCard®
|Sign-up Bonus||Earn a
||Earn up to
|Rewards Program||Earn 1 Loyalty Point per $1 spent on everyday purchases||Earn 1 Loyalty Point per $1 spent on everyday purchases||Earn 1.5 Loyalty Points on everyday purchases up to $20,000, 2 Loyalty Points on everyday purchases over $20,000|
|APR for Purchases||15.24%||18.24% – 28.24% variable||17.24% – 28.24% variable|
|APR for Balance Transfers||0% Intro APR for the first 12 billing cycles on balance transfers; after that a variable APR, currently 15.24%||0% Intro APR for the first 12 billing cycles on balance transfers; after that a variable APR 18.24% – 28.24%||17.24% – 28.24% variable|
|Balance Transfer Fee||0% Introductory fee 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||0% Introductory fee 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||3% of each transfer amount, $5 minimum|
|Foreign Transaction Fee||1% of each foreign purchase transaction or foreign ATM advance transaction||1% of each foreign purchase transaction or foreign ATM advance transaction||1% of each foreign purchase transaction or foreign ATM advance transaction|
|No Annual Fee||✔||✔||✔|
|24-hour Concierge Service||✔||✔||✔|
|Travel Accident Insurance||✔||✔||✔|
How to Apply for an Edward Jones Credit Card Online
It’s quick to apply for an Edward Jones credit card.
- First, visit www.edwardjonescreditcard.com.
- Enter your Edward Jones ID and click “Continue.” Follow the prompts to finish logging in.
- Visit the Loans & Credit section of the website under the Accounts tab.
- Follow the prompts to apply for an Edward Jones credit card.
Other Ways to Apply for an Edward Jones Mastercard
You can also apply for an Edward Jones Mastercard by contacting your financial advisor. If you’re not sure who your financial advisor is, you can locate your advisor by visiting their website.back to menu ↑
Edward Jones Mastercard Rewards Program
The Edward Jones World Mastercard and Platinum Mastercard both offer one point for each dollar you spend. The World Plus Mastercard earns 1.5 points for each dollar you spend up to $20,000 per year and 2 points for each dollar after that. The World and World Plus cards also offer 24-hour concierge service and travel accident insurance.back to menu ↑
Edward Jones Credit Card FAQs
What is the APR for an Edward Jones Mastercard?
The APR varies depending on which card you’re approved for and your credit history. The APR ranges from 14.99 to 27.99 percent and is variable.
Can you get a cash advance?
You can get a cash advance on all three cards. The APR for a cash advance is 27.99 percent, and there is a charge of 4 percent or at least $10, whichever is higher.
Is there an annual fee?
There is no annual fee for any of the Edward Jones credit cards.
Can you transfer balances?
You can transfer a balance on any of the cards. The fee is 3 percent or $5, whichever is higher.
Can you use the Edward Jones credit cards overseas?
You can use the card in foreign countries. There is a 1 percent fee for each transaction in a foreign currency.
Edward Jones credit card reviews are positive. If you enjoy working with Edward Jones, you may enjoy having a credit card that’s tied to your accounts. You can painlessly add to your investments with the rewards you earn. You also have benefits like 24-hour concierge service. If you don’t want to add to your investments, you can use the rewards for gift cards or charity donations.
Let’s assume the balance on your credit card is $5000, your card’s APR is 23%, and your minimum monthly payment in percentage is 100. Your first payment should be $100. Note that this number is expected to change over time.
To pay off your credit card balance in full, it will take you 2442 months. You’ll pay the overall interest of $99510.62. Your total payment will be $104510.62.
Credit Card Minimum Payment Calculator
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By using this calculator you agree to terms and conditions. These calculators are designed to be informational and educational tools only, and when used alone, do not constitute investment or financial advice. We strongly recommend that you seek the advice of a financial services professional before making any type of investment or deciding on your financial matters. This model is provided as a rough approximation of future financial performance. The results presented by this calculator are hypothetical and may not reflect the actual growth of your own investments. We can't take into account potential lender fees, payoff schedule can be longer than in the estimation. Mycreditcards and its affiliates are not responsible for the consequences of any decisions or actions taken in reliance upon or as a result of the information provided by these tools. Mycreditcards is not responsible for any human or mechanical errors or omissions.
Watch How Do Balance Transfers Credit Cards Work
Before apply for new credit card estimate your potential balance transfer savings