Raymond James Mastercard® Everyday Rewards+
Raymond James and related product names are trademarks of their respective owners. Madeen is not affiliated with, sponsored by, endorsed by, or acting on behalf of Raymond James. Madeen is an independent credit-card comparison and education service. Issuer websites control current terms, fees, and eligibility.
How we calculate effective rate →
The Raymond James Mastercard® Everyday Rewards+ from Raymond James earns up to 4% effective value on dining in Madeen's catalog snapshot. It has no annual fee. New applicants may see: Earn $150 bonus reward (15,000 points) after you spend $500 within first 90 days of account opening..
- Top category
- Dining
- Effective value
- 4%
- Annual fee
- $0
Best for dining-heavy spend when you want to avoid an annual fee; confirm issuer terms before applying. Best for spenders who put meaningful volume in dining and can earn 4x points. The welcome bonus can help if you can meet the spend requirement.
What does the Raymond James Mastercard Everyday Rewards+ earn in each category?
Dining is the strongest category at 4% effective value (4x points at about 1 cents each). That dining rate ranks higher than about 92% of the 2,850 cards we track in that category. The five-category effective-rate table on this page shows how Raymond James Mastercard Everyday Rewards+ compares across dining, grocery, gas, travel, and other spend. Catalog spend signals highlight.
Dining is the strongest category at 4% effective value (4x points at about 1 cents each). That dining rate ranks higher than about 92% of the 2,850 cards we track in that category. The five-category effective-rate table on this page shows how Raymond James Mastercard Everyday Rewards+ compares across dining, grocery, gas, travel, and other spend.
| Category | Earn rate | Effective value |
|---|---|---|
| Dining Restaurants, cafes, takeout | 4x points | 4% Top category |
| Grocery Supermarkets and grocery stores | 2x points | 2% |
| Gas Gas stations and fuel | 2x points | 2% |
| Travel Flights, hotels, transit | 1x points | 1% |
| Other General everyday spend | 2x points | 2% |
Madeen values Elan Rewards at about 1 cents each. Madeen compares every card using this cash-equivalent estimate while still showing the raw earn rate for context.
What are the Raymond James Mastercard Everyday Rewards+ reward caps and conditions?
The Raymond James Mastercard Everyday Rewards+ has 4 notable cap or condition rule(s) in Madeen's catalog, including activation windows, spend limits, and category exclusions. Review each bullet below before assuming unlimited earn rates.
- Unlimited 4x points on dining, take-out & food delivery Capped at $2000 per quarter.
- 2x points at gas and EV charging stations
- 2x points at grocery stores
- 2x points on eligible streaming services
Who should get the Raymond James Mastercard Everyday Rewards+?
The Raymond James Mastercard Everyday Rewards+ fits spenders who put meaningful volume in dining and can earn 4x points. Best for spenders who put meaningful volume in dining and can earn 4x points. The welcome bonus can help if you can meet the spend requirement.
Raymond James Mastercard Everyday Rewards+ fits spenders who put meaningful volume in dining and can earn 4x points. Madeen ranks its dining effective rate higher than about 92% of the catalog in that category. Compare it against cards you already carry with Madeen — no bank login required.
Best for spenders who put meaningful volume in dining and can earn 4x points. The welcome bonus can help if you can meet the spend requirement.
Foreign transaction fees make it weaker for international spend.
Best for dining-heavy spend when you want to avoid an annual fee; confirm issuer terms before applying.
Pros
- Strongest Madeen category is dining at about 4% effective (4x points).
- That dining rate ranks higher than about 92% of cards we track in the category.
- No annual fee in our catalog snapshot.
- Welcome bonus may add value if you can meet spend requirements.
Cons
- Charges $3 foreign transaction fees.
- Multiple caps, activations, or exclusions may limit headline earn rates.
- Elan Rewards value depends on how you redeem, not straight cash back.
What is the Raymond James Mastercard Everyday Rewards+ welcome bonus?
In Madeen's catalog snapshot, the Raymond James Mastercard Everyday Rewards+ welcome offer is Earn $150 bonus reward (15,000 points) after you spend $500 within first 90 days of account opening.. Minimum spend, eligibility, and offer windows are set by the issuer and can change — confirm on the issuer application page before applying.
- Offer
- 15k Elan Rewards (~$150 estimated)
- Terms (catalog snapshot)
- Earn $150 bonus reward (15,000 points) after you spend $500 within first 90 days of account opening.
- Minimum spend
- $500
- Window
- 90Days
Does the Raymond James Mastercard Everyday Rewards+ have an annual fee?
The Raymond James Mastercard Everyday Rewards+ has an annual fee of $0 and a foreign transaction fee of $3. Confirm current fees on the issuer page before applying.
- Annual fee
- $0
- Foreign transaction fee
- $3
What benefits come with the Raymond James Mastercard Everyday Rewards+?
The Raymond James Mastercard Everyday Rewards+ includes Auto Rental Discounts, Concierge, Global emergency services in our snapshot. Perks and benefits can change; verify coverage on the issuer site before you rely on them.
Lost Luggage Reimbursement
$3,000/yrUp to $3,000 reimbursement for the actual cost of repairing or replacing your checked or carry-on luggage and personal property contained therein that is lost or damaged. Coverage begins when the luggage is checked in or carried onto the common carrier by you.
Roadside Dispatch
$1,000/yrAvailable only when traveling in the 50 United States and the District of Columbia. If your car breaks down on the road, just call and tell us where you are. We'll send someone to the rescue.
Mastercard Transit Benefit
$200/yrSave when you tap and go with your eligible Mastercard and receive a $2.50 statement credit when you spend $10 or more each month at participating transit systems.
Concierge
$150/yrComplimentary 24/7/365 access to a wide range of personalized services, including entertainment planning, business services, gift arrangements, specialty services and travel information.
Instacart
$140/yrGroceries and more delivered in as fast as one hour. Get $10 off your second order each month, and new Instacart+ members can also get three free months of Instacart+.
Auto Rental Discounts
$10/yrAlamo, Hertz and National
ID Navigator Powered by NortonLifeLock
$10/yrProvides tools so you can act quickly if your identity is threatened.
Signature Fine Wine & Food
$10/yrComplimentary Zagat Survey restaurant rating and reviews. Plus, a host of fine wine and food experiences.
Signature Privileges
$10/yrProvides cardmembers with special offers, opportunities and upgrades from participating merchants.
Global emergency services
$10/yrCall 1-800-MASTERCARD (1-800-627-8372) for 24/7 assistance to report a lost or stolen card.
HealthLock
$10/yrEnjoy a HealthLock for Mastercard Medical Claim Monitor complimentary membership plus a 90-day upgrade to all HealthLock services at no monthly cost.
Mastercard Golf
$10/yrGet exclusive PGA TOUR® experiences and access amazing golf benefits with our Golf Concierge Service.
Related encyclopedia topics
Common questions about the Raymond James Mastercard Everyday Rewards+
Where do cardholders spend most with the Raymond James Mastercard Everyday Rewards+?
Madeen's RewardsCC catalog snapshot shows the strongest bonus categories on coffee (4x), fast food (4x), other food and drink (4x) for the Raymond James Mastercard Everyday Rewards+. These are anonymized issuer category signals, not individual cardholder transactions. Route everyday spend through categories that match your habits, then compare effective rates with Madeen at checkout.
Does the Raymond James Mastercard Everyday Rewards+ have an annual fee?
The Raymond James Mastercard Everyday Rewards+ carries an annual fee of $0 in Madeen's catalog snapshot. Issuer terms can change, so confirm the current fee on the issuer's site before you apply. Madeen does not predict approval or prequalification.
What category earns the most with the Raymond James Mastercard Everyday Rewards+?
Dining is the strongest Madeen category for the Raymond James Mastercard Everyday Rewards+ at about 4% effective value, based on our catalog snapshot and standard point valuations. Other categories are listed in the effective-rate table on this page.
Does the Raymond James Mastercard Everyday Rewards+ charge foreign transaction fees?
The Raymond James Mastercard Everyday Rewards+ charges a foreign transaction fee of $3 in our catalog snapshot. Check issuer terms before international spend because rates and fee waivers can change.
What is the Raymond James Mastercard Everyday Rewards+ welcome bonus?
The Raymond James Mastercard Everyday Rewards+ welcome offer in our snapshot: Earn $150 bonus reward (15,000 points) after you spend $500 within first 90 days of account opening.. Minimum spend, eligibility, and offer windows are set by the issuer and can change.
What credit score do you need for the Raymond James Mastercard Everyday Rewards+?
Madeen's catalog lists a typical credit range of Good to Excellent for the Raymond James Mastercard Everyday Rewards+. Issuers decide approval using their own criteria; Madeen does not predict approval odds or prequalification.
How does the Raymond James Mastercard Everyday Rewards+ compare to similar cards?
Compare the Raymond James Mastercard Everyday Rewards+ against Raymond James Mastercard Business Cash Preferred (3% on Dining, $0 fee); Raymond James Mastercard Reserve Rewards+ Card (2% on Dining, $390 fee); Raymond James Mastercard Business Real Rewards (1.5% on Dining, $0 fee). Madeen ranks effective value by category and annual fee using the same catalog snapshot dated 2026-05-01.
| Card | Top category | Effective value | Annual fee |
|---|---|---|---|
Raymond James Mastercard Everyday Rewards+ This card | Dining | 4% | $0 |
Raymond James | Dining | 3% | $0 |
Raymond James | Dining | 2% | $390 |
Raymond James | Dining | 1.5% | $0 |
Raymond James | Dining | 1.5% | $0 |
Store-specific guides
Madeen publishes merchant guides that rank cards for specific stores and services. Browse guides for dining spend to see which cards win at checkout.
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Raymond James and related product names are trademarks of their respective owners. Madeen is not affiliated with, sponsored by, endorsed by, or acting on behalf of Raymond James. Madeen is an independent credit-card comparison and education service. Issuer websites control current terms, fees, and eligibility.
Madeen compares cards you add to your wallet using published catalog rules — no bank login required. Issuer pages control current fees, caps, exclusions, and eligibility; Madeen does not issue cards, make approval decisions, or provide financial advice. Apply links are temporarily hidden on madeen.app. Affiliate disclosure