Edward Jones World Plus Mastercard®

Edward Jones World Plus Mastercard® Review

This is a rewards card issued by Elan Financial Services. If you're wondering whether Edward Jones World Plus Mastercard® is the right card for you, read on.

Key Takeaways

• Competitive APRs. Edward Jones World Plus Mastercard® has a variable purchase APR that ranges from 15.74% up to 26.74%.
• No annual fee*. This is a great option for people looking for a low-maintenance rewards card. It gives you rewards on your purchases, but you don't have to pay an annual fee for the privilege.
• 3% Balance transfer fee. Edward Jones World Plus Mastercard® charges a fee of 3% on balance transfers. For example, a balance of $1,000 could cost $30 in transfer fees. The minimum fee is $5.
• No foreign transaction fee. This card does not charge a fee when you make a purchase that passes through a foreign bank, or is in a currency other than the U.S. dollar (USD), which makes it a great credit card to carry when traveling abroad.
• Poor credit accepted. This card will consider people who have bad credit. Even if you have poor credit, you may still have relatively good approval odds.

Pros & Cons of Edward Jones World Plus Mastercard®

The Good	The Bad
Potentially lower than average purchase APRs. No annual fee. Identity Theft Protection. Considers applicants with fair credit. No foreign transaction fee. Cardholders can earn rewards on their purchases. Edward Jones World Plus Mastercard® reports to multiple credit bureaus.	Does not offer a signup bonus. You don't earn rewards on every purchase. Charges a 3% balance transfer fee. Does not include many credit card benefits.

Edward Jones World Plus Mastercard® FAQ

Does Edward Jones World Plus Mastercard® have a cash back or rewards program?

Edward Jones World Plus Mastercard® is a rewards card.

Edward Jones World Plus Mastercard® Rewards

Rewards rate (all purchases)	N/A
Max rewards rate	N/A
Annual rewards limit	N/A
Signup Bonus ($)

What are the Edward Jones World Plus Mastercard® benefits?

It provides the following benefits:

• Zero fraud liability
• Reports to major credit bureaus

What are the relevant APRs for Edward Jones World Plus Mastercard®?

According to the Federal Reserve Board, the average regular APR is 15% for all credit cards and 17% for accounts that carry a balance. This card has lower than average regular APRs.

Edward Jones World Plus Mastercard® has a variable purchase APR that ranges from 15.74% up to 26.74%. The card has a variable balance transfer APR that ranges from 15.74% up to 26.74%. It also has a variable cash advance APR of 26.74% .

The good news is this card does not charge a penalty APR if you are late on a payment.

What are the fees for Edward Jones World Plus Mastercard®?

The following fees apply:

• There is no overlimit fee

Edward Jones World Plus Mastercard® Fees

Fees	Amount
Annual Fee	$0
Overlimit Fee	$0
Foreign Transaction Fee	0%
Returned Payment Fee	$41
Late Payment Fee	$41

This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost rewards card.

Does Edward Jones World Plus Mastercard® report your account activity to credit bureaus?

Yes, Edward Jones World Plus Mastercard® reports your account activity to the following credit reporting agencies:

• Equifax
• Experian
• Transunion

Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and may help improve your credit.

How to apply for Edward Jones World Plus Mastercard®

• Visit the Edward Jones World Plus Mastercard® website.
• Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, and annual income.
• Check the information is accurate and submit your application.

If your credit score is preventing you from qualifying for this credit card, check out our guide for the best credit cards for bad credit.