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    1. Raymond James Credit Card Program Overview

      Accepted worldwide, the Raymond James credit cards give you the purchasing freedom you need, the financial control you want, and the generous rewards you deserve.  No matter which card you choose, you will enjoy important features such as EMV smart chip technology for added security and mobile purchasing capability for added convenience.  Of course, you will also enjoy the benefits of your Capital Access account, including Client Access, and the convenience of managing your credit card account with your other Raymond James accounts to give you a complete picture of your finances.

      Raymond James Credit Card

       

      Premium Cards 

      Mastercard® World Elite Card

      Features

      • Rewards program – Earn 1 point per $1 spent on eligible net purchases1
      • 25% annual rewards bonus on the total reward points earned during the year2
      • Redeem points for cash back, merchandise, gift cards, and travel
      • Travel perks
      • Custom credit line size requests

      The Mastercard® World Elite Card is designed to meet the unique, everyday needs of high-net-worth individuals, with benefits and generous rewards. Enjoy travel offers using your points. With a special bonus rewards offer, you can earn 10,000 points after making your first qualified purchase – redeemable for $100 cash back!1

      Consolidate your financial accounts – your Mastercard®, your Capital Access account and your Raymond James brokerage accounts through Client Access – to give you a complete picture of your finances.

      For additional information, please contact your advisor.

      Consumer Cards

      Premier Rewards American Express® Card

      Features

      • Rewards program – Earn up to 4 points per $1 spent on eligible net restaurant purchases, earn 3 points per $1 spent on eligible net airline purchases, earn 2 points per $1 spent on eligible net purchases at gas stations, and earn 1 point per $1 spent on other eligible net purchases.3
      • Redeem points for cash back, merchandise, gift cards, and travel
      • Receive reimbursement through a statement credit for either Global Entry or TSA Pre?®4

      The Premier Rewards American Express® Card is designed for the busy traveler.  With a special bonus rewards offer, you can earn 10,000 points after spending at least $1,000 in the first three months of account opening.5

      For additional information, please contact your advisor.

       

      Cash Rewards American Express® Card

      Features

      • Flexible Cash Rewards program – Earn cash back when you use your card6
      • 3% cash back on the first $6,000 in eligible net purchases made each year at gas stations
      • 2% cash back at supermarkets on eligible net purchases
      • 1% cash back on all other eligible net purchases

      Rewards with the Cash Rewards American Express® Card are as easy as 1, 2, 3!  You can earn 2,500 bonus rewards points after your first qualified purchase – redeemable for $25 cash back!7  Redeem rewards for a statement credit or a deposit into your Raymond James account.

      For additional information, please contact your advisor.

       

      Mastercard® Real Rewards Card

      Features

      • Rewards Program– Earn 1.5 points monthly per $1 spent on eligible net purchases (equal to 1.5% cash back)8
      • There are no annual caps or limits on the points you can earn8

      The Mastercard® Real Rewards Card is accepted worldwide and is designed for those who want to simply earn additional points. You can earn 2,500 bonus rewards points after your first qualified purchase – redeemable for $25 cash back!7

      For additional information, please contact your advisor.

       

      Mastercard® Platinum Card

      Features

      • Pay down credit card balances with a great low introductory rate for an extended time
      • Non-Rewards 

      The Mastercard® Platinum Card is an opportunity designed for someone who may want to pay down balances or to transfer balances and manage over time through responsible use and repayment.

      For additional information, please contact your advisor.

       

      Mastercard® Secured Card

      Features

      • Convenience of credit
      • Requires a savings account pledged as security for the credit card account
      • Non-Rewards 

      The Mastercard® Secured Card is an opportunity designed for someone who may want to establish a credit history or someone who is looking to re-establish credit over time through responsible use and repayment.

      For additional information, please contact your advisor.

      Business Cards

      Mastercard® Business Cash Card

      Features

      • Flexible Cash Rewards Program - Earn cash back7 every time you use your card: 3% on eligible net purchases from office supply stores, phone and TV and internet services, 2% on eligible net restaurant and gas purchases, and 1% on all other eligible net purchases9

      The Mastercard® Business Cash Card is designed for the small to medium-size business owner interested in earning rewards for cash back.  Bonus rewards offer: 2,500 points after your first qualified purchase – redeemable for $25 cash back.7

      For additional information, please contact your advisor.

       

      Mastercard® Business Real Rewards Card

      Features

      • Rewards Program - Earn 1.5 points monthly per $1 spent on eligible net purchases (equal to 1.5% cash back)8
      • There are no annual caps or limits on the points you can earn8
      • Separate business expenses, manage cash-flow, and track spending

      The Mastercard® Business Real Rewards Card is ideal for the small business owner, with no minimum time-in-business requirement. You can redeem points anytime for cash back, travel, merchandise and gift cards. Bonus rewards offer: Earn 2,500 points after your first qualified purchase – redeemable for $25 cash back.7

      For additional information, please contact your advisor.

       

      Mastercard® Business Rewards PLUS Card

      Features

      • Rewards Program - Earn up to 3 points monthly for every $1 you spend the most on: cellular phone service, hotel, or airline10
      • Earn 1.5 points monthly for every $1 on other eligible net purchases10
      • No annual cap or limit on the total cash back you can earn

      The Mastercard® Business Rewards PLUS Card is suited for the small business owner, with no minimum time-in-business requirement. Bonus rewards offer: Earn 20,000 one-time bonus rewards points after you spend $2,000 in the first 3 months.11

      For additional information, please contact your advisor.

       

      Mastercard® Business Company Card

      Features

      • Designed for midsize incorporated companies
      • Optional Rewards Program
      • Rewards points are pooled to one central account

      The Mastercard® Business Company Card offers corporate liability and is designed for medium to large corporations with at least $5 million in annual net sales. Enhanced reporting helps document expenses, track purchases, review spending patterns, and save time. There is a card selection available with Rewards and there is a card selection available with no Rewards.  

      For additional information, please contact your advisor.

       

      Mastercard® CommUNITY Card

      Features

      • Designed for nonprofits and municipalities
      • Underwriting is based upon the Organization, not personal assets
      • Optional Rewards Program
      • Rewards points are pooled to one central account

      The Mastercard® CommUNITY Card offers streamlined spending, expense tracking, consolidated statements and an optional rewards program for nonprofits and municipalities. There is a card selection available with Rewards and there is a card selection available with no Rewards. 

      For additional information, please contact your advisor.

      The program is subject to periodic changes. For credit cards not listed above, please contact your advisor or the Raymond James Capital Access team at 800-759-9797 for inquiries. Cardmembers may visit myaccountaccess.com or reach Cardmember Service at the phone number located on the back of the card or located on a recent billing statement. Late payments and going over the credit limit may damage your credit history.

      The Elan Rewards Program is subject to change. Rewards are earned on eligible net purchases. Net purchases are purchases minus credits and returns. Not all transactions are eligible to earn rewards, such as Advances, Balance Transfers and Convenience Checks. Upon approval, see your Cardmember Agreement for details. You may not redeem Points, and you will immediately lose all of your Points, if your Account is closed to future transactions (including, but not limited to, due to Program misuse, failure to pay, bankruptcy, or death.)

      1Rewards are earned on eligible net purchases. Net purchases are purchases minus credits and returns. Not all transactions are eligible to earn rewards, such as Advances, Balance Transfers and Convenience Checks. Reward points can be redeemed as a cash deposit to a checking or savings account with this Financial Institution only, within seven business days, or as a statement credit to your credit card account within one to two billing cycles. First purchase bonus points will be applied 6 to 8 weeks after first purchase and are not awarded for balance transfers or cash advances. Points expire five years from the end of the quarter in which they are earned.

      2Annual bonus points equal to 25% of your prior year’s eligible net purchases will be awarded following your enrollment anniversary date.

      3Premier Rewards Card Points: You will earn 1 Reward Point (“Point”) for each dollar of eligible Net Purchases charged to your Account during each billing cycle. You will also earn 1 additional Point (for a total of 2 Points) for each dollar of Net Purchases charged to your Account during each billing cycle at merchants which categorize their business as a service station or automated fuel dispensers. You will earn 2 additional Points (for a total of 3 Points) for each dollar of Net Purchases charged to your Account during each billing cycle at merchant locations that are classified in the merchant category code of airlines. You will earn 3 additional Points (for a total of 4 Points) for each dollar of Net Purchases charged to your Account during each billing cycle at any merchant classified as a restaurant. Points expire five years from the end of the quarter in which they are earned.

      4Certain limitations and restrictions may apply. Further details are available in the Guide to Benefits which is provided to new cardmembers upon approval.

      5Bonus rewards points or cash back will be applied 6 to 8 weeks after first purchase and are not awarded for balance transfers or cash advances. One-time bonus rewards will be awarded after eligible net purchases totaling $1,000 or more are made to your account within three months from account opening.

      6Cash Rewards Card: “Cash Back Rewards” are the rewards you earn under the program. Cash Back Rewards are tracked as points and each point in Cash Back Rewards earned is equal to $0.01. You may simply see “Cash Back” in marketing material when referring to the rewards you earn. You will earn 1 Reward Point (“Point”) for each dollar of eligible Net Purchases charged to your Account during each billing cycle. You will also earn 1 additional Point (for a total of 2 Points) for each dollar of eligible Net Purchases charged to your Account during each billing cycle for any merchant classified as a supermarket. The number of additional Points earned on supermarket Purchases is unlimited. In addition, you will earn 2 additional Points (for a total of 3 Points) for each dollar of Net Purchases charged to your Account during each billing cycle at merchant locations that are classified in any of the following merchant category codes: automated fuel dispensers and service stations, up to a maximum of $6,000 spent during each 12-month period commencing on the anniversary date of this Account. Automated fuel dispenser and service station purchases above $6,000 (for the remainder of that 12-month period) will earn at a rate of 1 Point for each dollar of Net Purchases charged to your Account during each billing cycle. Points expire five years from the end of the quarter in which they are earned.

      7Reward points can be redeemed as a cash deposit to a checking or savings account with this Financial Institution or as a statement credit to your credit card account within one to two billing cycles.

      8Real Rewards: You will earn 1.5 Reward Points (“Points”) for each dollar of eligible Net Purchases made with your Account within a billing cycle (equal to 1.5% cash back). Monthly net purchase points will be applied each billing cycle. Points expire five years from the end of the quarter in which they are earned.

      9Business Cash Rewards Card: “Cash Back Rewards” are the rewards you earn under the program. Cash Back Rewards are tracked as points and each point in Cash Back Rewards earned is equal to $0.01. You may simply see “Cash Back” in marketing material when referring to the rewards you earn. You will earn 1 Reward Point (“Point”) for each dollar of eligible Net Purchases charged to your Account during each billing cycle. You will also earn 2 additional Points (for a total of 3 Points) for each dollar of Net Purchases charged to your Account during each billing cycle at merchant locations that are classified in the merchant category code as office supplies or cellular phone, landline, internet and cable TV services. In addition, you will earn 1 additional Point (for a total of 2 Points) for each dollar of Net Purchases charged to your Account during each billing cycle at merchant locations that are classified in any of the following merchant category codes: automated fuel dispensers and service stations or restaurants. The number of additional Points earned on office supply store purchases, cellular phone, landline, internet and cable TV services, automated fuel dispensers, and service stations or restaurants is unlimited. Points expire five years from the end of the quarter in which they are earned.

      10Rewards PLUS: Points expire five years from the end of the quarter in which they are earned. You will earn 1.5 Reward Points (“Points”) for each dollar of eligible Net Purchases made with your Account. You may earn additional Points for purchases at merchants that are classified as: airlines, cellular phone services, or hotels (each, a “Category”). You will earn an additional 1.5 Reward Points (for a total of 3 Reward Points) for each dollar of Net Purchases in the one Category that has the highest total Net Purchases charged to your Account (the “Highest Category”) during each billing cycle.

      11Bonus rewards points or cash back will be applied 6 to 8 weeks after first purchase and are not awarded for balance transfers or cash advances. One-time bonus rewards will be awarded after eligible net purchases totaling $2,000 or more are made to your account within three months from account opening.

      The creditor and issuer of these cards is Elan Financial Services, pursuant to separate licenses from Mastercard International Incorporated and American Express. Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated. American Express is a federally registered service mark of American Express.

      Investment products are: not deposits, not FDIC/NCUA insured, not insured by any government agency, not bank guaranteed, subject to risk and may lose value.

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