Edward Jones Business Plus MasterCard Credit Card Review

If  you’re a small business owner who’s in the market for a business credit card that offers a simple rewards structure and an intro APR on balance transfers, you may want to consider the Edward Jones Business Plus MasterCard Credit Card.

Along with offering the ability to earn 1.5 Loyalty Points on every net $1 spent up to $40,000 and 2 Loyalty Points on every net $1 spent over $40,000, this $0 annual fee card provides an interest-free period on balance transfers for a year.

Just know, the Edward Jones Business Plus MasterCard Credit Card is only available to current Edward Jones customers.

We highlight the pros and cons of the Edward Jones Business Plus MasterCard Credit Card and show how it compares to similar business credit cards, to help determine if it’s the right fit for you.

• Sign-up bonus

  The Edward Jones Business Plus MasterCard Credit Card offers a solid sign-up bonus with a low spend threshold. Cardholders earn 15,000 loyalty points after you spend $1,000 in the first 90 days of account opening.

• Rewards rate

  Cardholders earn 1.5 Loyalty Points on every net $1 spent up to $40,000 and 2 Loyalty Points on every net $1 spent over $40,000.

  Points can be redeemed for cash deposits into your Edward Jones account with Edward Jones Loyalty Invest,™ as well as travel, gift cards, merchandise, statement credits and donations.

• Intro APR on balance transfers

  If you’re carrying high-interest credit card debt, you can transfer it to the Edward Jones Business Plus MasterCard Credit Card without being subject to interest charges for a year. The card has a 0% introductory APR for the first 12 billing cycles for balances transferred within 60 days from account opening, after, a 20.24%–29.99% applies.

  There’s also a 0% introductory fee for balances transferred within the first 60 days; after that, 3% of each transferred amount, $5 minimum.

• Annual fee

  The Edward Jones Business Plus MasterCard Credit Card charges a $0 annual fee.

• No intro APR on purchases

  If you plan to carry a balance on your Edward Jones Business Plus MasterCard Credit Card from month to month, you will be subject to interest charges at an APR of 20.24%–29.99% (variable).

• Spend requirement to earn the highest rewards rate

  To earn the highest cash back rate, you must spend at least $40,000 during a 12-month billing cycle.

• Restrictions on who can apply

  The Edward Jones Business Plus MasterCard Credit Card is only available to Edward Jones customers. To apply, you can either ask your Edward Jones financial advisor, or log in to your account and visit the loans and credit section under the accounts tab.

Compare it to the U.S. Bank Business Triple Cash Rewards World Elite Mastercard^®

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U.S. Bank Business Triple Cash Rewards World Elite Mastercard^®*

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U.S. Bank Business Triple Cash Rewards World Elite Mastercard^®*

Intro Purchase APR 0% Intro APR for 15 billing cycles on purchases

Regular Purchase APR 19.24% - 28.24% variable

Annual Fee $0

Rewards Rate Earn 3% cash back on eligible purchases at gas stations and EV charging stations, office supply stores, cell phone service providers and restaurants. 1% cash back on all other eligible net purchases. Earn 5% cash back on prepaid hotels and car rentals booked directly in the Travel Rewards Center. No limit on total cash back earned.… Read More

Highlights

• Limited Time Offer: Earn $500 in cash back. Just spend $4500 on the Account Owner's card in the first 150 days of opening your account.
• Introducing the U.S. Bank Business Triple Cash Rewards World Elite™ Mastercard® the card that gives back on all your eligible business needs.
• Earn 3% cash back on eligible purchases at gas stations and EV charging stations, office supply stores, cell phone service providers and restaurants.
• 1% cash back on all other eligible net purchases.
• Earn 5% cash back on prepaid hotels and car rentals booked directly in the Travel Rewards Center.
• No limit on total cash back earned.
• Rewards never expire.
• Earn an annual $100 statement credit for recurring software subscription expenses such as FreshBooks or quickbooks
• 0% Intro APR on purchases and balance transfers for 15 billing cycles. After that, a variable APR currently 19.24% - 28.24%. 
• No annual fee.
• Pay over time by splitting eligible purchases of $100+ into equal monthly payments with U.S. Bank ExtendPay™ Plan.
• Great Offer from U.S. Bank, a 2022 World's Most Ethical Company® - Ethisphere Institute, February 2022
• Terms and conditions apply

Recommended Credit

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*The information related to the U.S. Bank Business Triple Cash Rewards World Elite Mastercard^® has been collected by LendingTree and has not been reviewed or provided by the issuer of this card prior to publication. Terms apply

If you’re not an Edward Jones customer and want a business card that offers a slightly higher rewards rate in popular business spending categories, as well as an intro APR on purchases and balance transfers, the U.S. Bank Business Triple Cash Rewards World Elite Mastercard^® may be a better fit.

With the U.S. Bank Business Triple Cash Rewards World Elite Mastercard^®, cardholders earn 3% cash back on eligible purchases at gas stations and EV charging stations, office supply stores, cell phone service providers and restaurants. 1% cash back on all other eligible net purchases. Earn 5% cash back on prepaid hotels and car rentals booked directly in the Travel Rewards Center. No limit on total cash back earned.

The $0 annual fee card also offers the following sign-up bonus: Limited Time Offer: Earn $500 in cash back. Just spend $4500 on the Account Owner's card in the first 150 days of opening your account.

If you need to finance a large business expense and pay it off over time, you can do so without incurring interest charges for more than a year. The card offers a 0% Intro APR for 15 billing cycles on purchases, then an APR of 19.24% - 28.24% variable applies. Additionally, cardholders receive a 0% Intro on balance transfers for 15 billing cycles, then a 19.24% - 28.24% variable APR applies.

The U.S. Bank Business Triple Cash Rewards World Elite Mastercard^® charges a balance transfer fee of either 3% of the amount of each transfer or $5 minimum, whichever is greater.

The Edward Jones Business Plus MasterCard Credit Card is a good choice for small business owners who are in the market for a card that offers a simple rewards structure and intro APR on balance transfers.

But if you want the opportunity to earn a slightly higher rewards rate in popular business spending categories, like office supply store purchases and cellphone services, the U.S. Bank Business Triple Cash Rewards World Elite Mastercard^® may be a better choice.

Additionally — along with a slightly longer intro APR on balance transfers than the Edward Jones Business Plus MasterCard Credit Card — the U.S. Bank Business Triple Cash Rewards World Elite Mastercard^® offers an intro APR on purchases for more than a year.