5 Things to Know About Edward Jones Credit Cards
They cater to different financial goals and offer solid incentives, but reward values vary depending on how you redeem them.
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Updated · 3 min read
Written by
Senior Writer & Content Strategist 
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Managing Editor In addition to its financial services, Edward Jones offers three no-annual-fee credit card options for customers who want to manage their finances in one spot.
The cards include:
- The Edward Jones Everyday Solutions Triple Rewards World Elite Mastercard.
- The Edward Jones Everyday Solutions Flex Balance Mastercard.
- The Edward Jones Everyday Solutions Business World Elite Mastercard.
The cards, issued by U.S. Bank, may be a match for different needs depending on your financial goals and situation. All cards earn points that can be invested or redeemed for other options at a value that varies. An Edward Jones credit card may also offer your financial advisor a fuller scope of your finances. Note, however, that you must be an Edward Jones client to qualify for these credit cards.
Here’s what you need to know about Edward Jones credit cards.
1. Two options earn rewards in broad categories
The Edward Jones Everyday Solutions Triple Rewards and Everyday Solutions Business credit cards offer a welcome bonus and ongoing rewards.
Edward Jones Everyday Solutions Triple Rewards Mastercard
As a new cardholder, you're eligible for a welcome offer of 15,000 loyalty points when you spend $1,500 within 90 days of opening the account. (This bonus is accurate as of this writing.) For your personal spending, you’ll get 5 loyalty points per dollar spent on travel booked through U.S. Bank's Travel Rewards Center, 3 points per dollar spent in your top three spending categories from a list of options, and 1 point per dollar spent on all other eligible purchases. Categories like utilities, streaming, groceries, dining and gas are among those included in the list.
Everyday Solutions Business Mastercard
If you're a business owner, you might welcome this card's welcome bonus of 20,000 loyalty points after spending $1,500 within 90 days of opening the account. (This bonus is accurate as of this writing.) It earns 6 loyalty points per dollar spent on travel booked through the Travel Rewards Center and 2 points per dollar spent on all other eligible purchases. There's an introductory interest-free window on purchases, too (as of January 2026).
2. One card has a solid interest-free window
The Edward Jones Everyday Solutions Flex Balance Mastercard is an option to consider if you want to save on interest charges for purchases or debt. As of January 2026, it offers a 0% introductory APR on purchases and balance transfers for 15 billing cycles. After that, a variable APR applies.
As a balance transfer credit card for paying off debt, it’s not the best option, given that it charges 5% of the amount you're transferring. It’s possible to find balance transfer cards elsewhere that have a lower fee of 3%. When you're paying off debt, every bit of money you can save counts.
The card's 0% intro APR on purchases is more competitive, although it's possible to find even longer offers. For example, the Citi Simplicity® Card offers a 0% intro APR on purchases for 12 months and 0% intro APR on balance transfers for 21 months, and then the ongoing APR of 17.49%-28.24% Variable APR.
The Flex Balance Mastercard earns some rewards, but unlike the other Edward Jones cards, it doesn’t offer broad purchase categories. You’ll earn 4 points per dollar spent on travel booked through the Travel Rewards Center. There’s also an annual $20 statement credit.
🤓 Nerdy Tip
Interest rates vary depending on the card, but as with most rewards-earning credit cards, all are high enough that carrying an ongoing balance will be costly. If you think you'll end up carrying a balance over a long term, you'll save more money with a credit card at a credit union that caps interest rates at 18%. 3. Points can be invested or redeemed for other options
You can redeem your loyalty points as investments with Edward Jones Loyalty Invest, or you can use them toward a statement credit, merchandise, travel and more. Investing your rewards will offer the best value, at 1 cent per point. Redemption values for other options vary, and other rewards credit cards will be better suited for those scenarios.
If you prefer consistent value and more redemption flexibility, consider a card like the Capital One Savor Cash Rewards Credit Card. It earns 5% back on hotels, vacation rentals and rental cars booked through Capital One Travel; 3% cash back on dining, purchases at grocery stores, on entertainment and popular streaming services; and 1% cash back on all other purchases. It also has a welcome offer: Earn a one-time $200 cash bonus once you spend $500 on purchases within the first 3 months from account opening. Cash back may be redeemed in the form of a statement credit or check, or toward gift cards, travel and eligible purchases with PayPal.
4. You must be an Edward Jones client to qualify
In addition to meeting the standard income and credit requirements to qualify for the card, you’ll have to be an Edward Jones client. As a client, you have a financial advisor who has helped create a personalized plan for your finances for a cost. There are different types of financial advisors with varying costs and accounts. There’s a Select Account which requires a $0 minimum investment and costs that include commissions and sales charges. The Guided Solutions account requires a $5,000 minimum investment and charges an annual program fee of 1.35% and a platform fee of 0.05%. The Advisory Solutions account requires a minimum of $25,000 as an investment and charges a program fee of 1.35% and platform fee of 0.05%. Some investments also have third-party internal expenses.
You shouldn’t become an Edward Jones client solely to get the credit card. If you’re looking for a financial advisor, you’ll want to compare their costs across different options to get the best deal.
5. All 3 cards travel well
As Mastercards, all Edward Jones credit cards have broad merchant acceptance worldwide. They also don’t charge foreign transaction fees, which will save you money on international purchases.
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