Edward Jones is a financial services firm that helps people manage their investments and plan for the future. But did you know they also offer credit cards?
These aren’t just any credit cards. They’re investment credit cards, sometimes called brokerage credit cards, that let you earn rewards that go straight into your investment accounts. It’s a way to make your everyday spending work harder for you.
For existing Edward Jones clients, a credit card from Edward Jones is a pretty good way to build your investment portfolio without a lot of extra effort. You’re already spending the money, so why not get something back that helps you grow your investments?
This article will give you a close look at the features, benefits, and things to think about when choosing an Edward Jones credit card. We’ll cover both personal and business options so you can decide if one of these cards is the right fit for your financial goals.
Understanding Edward Jones Investment Credit Cards
Edward Jones offers a credit card that’s a little different than your standard plastic. Instead of earning cash back or points for merchandise, you earn rewards that are funneled directly into your Edward Jones investment account. Let’s break down how these “investment credit cards” work.
What is an investment credit card?
An investment credit card is just what it sounds like: a credit card that links the rewards you earn from spending to an investment account. Instead of getting cash back or points you can use to buy things, your rewards are typically deposited into a brokerage or other investment account.
Edward Jones credit cards use what they call a “Loyalty Points” system. You earn points, and then you can redeem those points for cash deposits into your Edward Jones account.
How Edward Jones investment credit cards work
When you use an Edward Jones credit card for eligible purchases, you earn Loyalty Points. Then, you can redeem those points for cash that goes straight into your Edward Jones investment accounts. It’s a pretty seamless setup, since the credit card is linked to your Edward Jones relationship.
Benefits of using an Edward Jones investment credit card
The big benefit here is that you can build your investments passively, just by using the credit card for your everyday spending. Depending on the type of investment account you have, there might even be some tax advantages (though you should always talk to a tax professional about your specific situation).
For Edward Jones clients, it’s also a convenient way to keep your finances organized, all in one place.
Edward Jones Personal Credit Card Options
Edward Jones offers a couple of different personal credit cards designed to help you earn rewards that can boost your Edward Jones investment accounts. Here’s a look at the Edward Jones World Mastercard® and the Edward Jones World Plus Mastercard®:
Edward Jones World Mastercard®
With this card, you can earn Loyalty Points on your purchases, which can then be redeemed for cash deposits into your Edward Jones accounts.
Here’s how the rewards structure works:
- Earn 1 Loyalty Point for every dollar you spend.
- Earn 1.5 Loyalty Points for every dollar you spend up to $20,000; then, earn 2 Loyalty Points on every dollar after that.
- Get a bonus of 4 Loyalty Points for every dollar you spend on prepaid hotels and car rentals.
Other things to note:
- Enjoy a 0% introductory APR for the first 12 billing cycles on balance transfers; after that, a variable APR applies.
- There’s no annual fee.
- The foreign transaction fee is 1% of each foreign transaction.
Edward Jones World Plus Mastercard®
This card offers similar benefits to the World Mastercard but with a couple of key differences. The APR range is different, and the World Plus card doesn’t charge a foreign transaction fee.
Here’s a quick rundown:
- The APR ranges from 18.24% to 31.24% for purchases and balance transfers.
- There’s no annual fee.
- There’s no foreign transaction fee.
The lack of a foreign transaction fee makes this card a solid option for people who travel internationally.
Key Considerations for Choosing Between the Two
When deciding between these two cards, think about your spending habits, how often you travel, and how sensitive you are to APRs. If you carry a balance, the lower APR on the World Mastercard during the introductory period could be a good fit. But if you travel a lot, the World Plus Mastercard might be the better choice because of the lack of foreign transaction fees.
Consider talking with an Edward Jones financial advisor to figure out which card best fits your financial goals.
Edward Jones Business Credit Card Options
If you’re an Edward Jones client and a business owner, you may find that the Edward Jones Business Plus MasterCard® is a good fit for your business.
Edward Jones Business Plus MasterCard®
This card is designed to help you manage your business expenses, offering rewards and tools to help you keep your business finances on track.
The rewards structure on the Edward Jones Business Plus MasterCard® is a little different from other cards. Instead of cash back, you’ll earn Loyalty Points® on eligible net purchases. Here’s how it breaks down:
- Earn 1.5% back in Loyalty Points® on your first $40,000 in purchases.
- Earn 2% back in Loyalty Points® on purchases above $40,000.
- Earn an additional 4 Bonus Loyalty Points® on prepaid hotels and car rentals.
The card also comes with a 0% introductory APR for 12 billing cycles on balance transfers, which can be a great way to consolidate debt. After that, the APR ranges from 19.24% to 29.24%, depending on your creditworthiness.
The Edward Jones Business Plus MasterCard® has no annual fee if you make at least one purchase each year. If you don’t, there’s a $25 annual fee. There are also no foreign transaction fees, which is a nice perk if you travel internationally for business.
New cardholders can also take advantage of a special offer: 15,000 Bonus Loyalty Points® after spending $1,000 in net purchases within the first 90 days.
Business Card Benefits and Protections
The Edward Jones Business Plus MasterCard® offers zero fraud liability and enhanced cybersecurity features to protect your business. You’ll also get access to travel benefits like golf privileges, Priceless® Cities offers, car rental insurance, and travel accident insurance.
Tools for Maximizing Efficiencies and Easy Account Management
The card comes with tools like Spend Analysis and mobile receipt management to help you track expenses effectively. You’ll also get free access to your credit score from TransUnion®.
Important Considerations and Upcoming Changes
As with any credit card, it’s important to understand the details of the Edward Jones cards before applying. Here’s what you should know:
Understanding Fees and APRs
Be sure to read the fine print and understand the annual percentage rates (APRs), balance transfer fees, cash advance fees, and other potential charges that could be applied to your account. For example, the balance transfer fee is 3% of the amount you transfer, with a minimum of $5. Cash advances will cost you 5% of the amount, with a minimum of $10.
Fraud Prevention and Security
Protect yourself from fraud by reviewing your statements regularly, choosing strong passwords, and being wary of phishing scams. The Edward Jones cards offer zero fraud liability, which means you won’t be held responsible for unauthorized charges.
Upcoming Program Changes (October 2025)
Heads up: There will be some significant changes to the rewards program in October 2025.
The Edward Jones Business Plus MasterCard program will transition to the new Edward Jones Business World Elite Mastercard program, powered by U.S. Bank, starting October 27, 2025.
Be sure to stay informed about these changes and how they’ll affect your rewards and benefits.
In Conclusion
Edward Jones credit cards offer a unique way to build your investments through everyday spending, especially if you’re already an Edward Jones client. The rewards you earn can directly contribute to your Edward Jones investment accounts, helping you reach your financial goals faster.
However, choosing the right card is crucial. Consider your individual needs, spending habits, and whether you need a card for personal or business use. Each card offers different rewards and benefits, so it’s important to select one that aligns with your financial strategy.
For personalized guidance, consult with an Edward Jones financial advisor. They can help you determine the best card for your situation and develop a strategy to maximize its benefits. And don’t forget to stay informed about the program changes coming in October 2025, so you can continue to make the most of your Edward Jones credit card.