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Edward Jones® Everyday Solutions Flex Balance Mastercard®

Low introductory APR

for 15 billing cycles

Edward Jones® Everyday Solutions Flex Balance Mastercard®

Low introductory APR

for 15 billing cycles

Low intro APR

Receive a 0% introductory APR** on purchases and balance transfers† for 15 billing cycles. After that, a variable APR, currently $.

$0 Annual Fee

Enjoy all the benefits with no annual fee plus $0 foreign transaction fees.

$20 annual statement credit

for 11 consecutive months of purchases.2

$0 fee U.S. Bank ExtendPay® Plan, annually

3-month $0 ExtendPay Plan offer each calendar year.1

SAVINGS CALCULATOR

Additional Benefits

4 Loyalty Points®

Earn 4 Loyalty Points per net $1 spent on travel booked through the Rewards Center.3

Cell Phone Protection

You can be reimbursed up to $600 for damage or theft of an eligible cell phone when you pay your monthly cell phone bill with your card.4

Mastercard ID Theft Protection™

Detects and helps quickly resolve ID theft events, 24/7.5

Zero Fraud Liability Protection

Stay safe from unauthorized purchases.6

Apply now

Frequently asked questions

Credit score requirements vary by product. In general, the Edward Jones Mastercard credit card is for established credit with a credit score in the good to excellent range.

A credit card allows you to borrow money, with the intention you’ll pay back the lender (your bank) later. While it sounds simple, credit can get complex. Credit cards offer you a line of credit that can be used to make purchases, balance transfers and/or cash advances and allow you to pay back the amount you borrowed over time. When using a credit card, you may pay the full balance each month; if you don’t, you will need to make at least the minimum payment every month by the due date to avoid late fees and avoid lowering your credit score. If the full balance for purchases is not paid off, interest charges will be applied. Interest charges will be applied from the date of the transaction for balance transfers and cash advances, even if you pay the balance in full.

Here are two things you can do to build and maintain good credit: 1) Consistently pay your bill on time. 2) Stay below your credit limit.

Yes. The credit cards offer contactless chip technology that allows for enhanced security and touch-free payments at the millions of retail store locations that accept contactless payments.

U.S. Bank-issued Edward Jones Mastercard credit cards offer competitive interest rates, allowing you to choose a credit card that fits your lifestyle.

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Disclosures

U.S. Bank may change APRs, fees, and other account terms in the future based on your experience with U.S. Bank National Association and its affiliates as provided under the Cardmember Agreement and applicable law.

**The 0% introductory APR applies to purchases and is valid for the first 15 billing cycles. The 0% introductory APR applies to balance transfers made within 60 days of account opening and is valid for the first 15 billing cycles. Thereafter the APR may vary and the undiscounted variable APR for Purchases and Balance Transfers is $, (based on your creditworthiness). The introductory rate does not apply to cash advances. The variable APR for Cash Advances is $. Cash Advance fee: 5% of each advance amount, $10 minimum. Convenience Check fee: 5% of each check amount, $5 minimum. Cash Equivalent fee: 5% of each cash amount, $10 minimum. Balance Transfer fee: 5% of each transfer amount, $5 minimum. There is a $1 minimum interest charge where interest is due. The annual fee is $0. Foreign Transaction fee: 0% of each foreign purchase transaction or foreign ATM advance transaction in U.S. Dollars and each foreign purchase transaction or foreign ATM advance transaction in a Foreign Currency. U.S. Bank ExtendPay® Fees: A monthly fee not to exceed 1.6% of the original principal amount in a U.S. Bank ExtendPay® Plan or U.S. Bank ExtendPay® Loan. This fixed fee is disclosed upon enrollment and charged each month that you owe the applicable ExtendPay® balance. ExtendPay® Fees are calculated based upon the original principal amount, Purchase APR, and other factors. When you make a payment, the amount up to your Minimum Payment is applied first to the monthly payment obligation for ExtendPay® Plans and ExtendPay® Loans if any, and then to non-Fixed Payment Program balances in the order of the lowest to highest APR. Any amount over your Minimum Payment is applied to non-Fixed Payment Program balances in the order of highest to lowest APR.

† Balance transfer transactions from other U.S. Bank National Association or Edward Jones accounts are not permitted. You may cancel a balance transfer request within 10 days of account opening by calling 866-874-6711. After 10 days from account opening, requests to stop payment on Balance Transfer Check(s) issued by U.S. Bank shall not be honored unless the check(s) has been stolen, lost or destroyed.

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  1. Account must be in good standing and meet eligibility requirements to receive the $0 fee U.S. Bank ExtendPay® Plan each calendar year. This offer will be available within 2 months after the introductory purchase APR offer expires. Eligibility is determined monthly. You may designate up to 50% of your credit card line ($100 minimum) in eligible credit card purchases. Only purchase balances are eligible for ExtendPay Plans. Transactions identified as Advances, Balance Transfers or promotional rate Purchases (as defined in your Cardmember Agreement), and any interest or fees, do not apply.

  2. An automatic statement credit of $20 per 12-month period will be applied to your Flex Balance Mastercard Account within 2 statement billing cycles following 11 consecutive calendar months of purchases, if the Account is in open and in good standing (not past due or over limit). We reserve the right to adjust or reverse any portion or all of any credit for unauthorized purchases or transaction credits.

  3. Cardmembers will earn 4 Loyalty Points® for every $1 spent in eligible Net Purchases spent on prepaid reservations in the Travel Rewards Center using your Flex Balance Mastercard. Net Purchases are purchases minus credits and returns. Not all transactions are considered to be Purchases and eligible to earn rewards, such as transactions posting as Convenience Checks; Balance Transfers; Advances (including ATM withdrawals, wire transfers, traveler's checks, money orders, foreign cash transactions, betting transactions, and lottery tickets); interest charges and fees; credit insurance premiums; and transactions to (i) fund certain prepaid card products, (ii) buy currency from the U.S. Mint, or (iii) buy cash convertible items. Account must be open and in good standing (not past due or overlimit) to earn and redeem rewards and benefits. Loyalty Points will expire 5 years from the end of the calendar quarter in which they were earned.

  4. Cellular Wireless Telephone Protection, $600 w/ $50 deductible. You can be reimbursed for damage or theft of an eligible cell phone when you pay your monthly cell phone bill with your card. Benefits are subject to terms, conditions and limitations, including limitations on the amount of coverage. Coverage is provided by New Hampshire Insurance Company, an AIG company. Policy provides secondary coverage only. Please refer to mycardgtb.com/ejflexbalance to view the Guide to Benefits for further card benefit details including full terms and conditions.

  5. Certain terms, conditions and exclusions apply. Cardholders need to register for this service. This service is provided by Iris® Powered by Generali. Please refer to mycardgtb.com/ejflexbalance to view the Guide to Benefits for further card benefit details including full terms and conditions.

  6. These are summary descriptions only. Certain terms, conditions and exclusions apply. To learn more about Zero Liability, visit mastercard.us/zeroliability. Contact your issuing financial institution for complete coverage terms and conditions or call 1.800.MASTERCARD (1.800.627.8372) for assistance. Applicable to U.S. cardholders only. Cardmember must notify U.S. Bank promptly of any unauthorized use.

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The creditor and issuer of Edward Jones Mastercard credit cards is U.S. Bank National Association, pursuant to a license from Mastercard International Incorporated. Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.

Edward Jones Compensation and Fees

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