Raymond James Mastercard® Travel 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® Travel Rewards+ from Raymond James earns up to 4% effective value on gas in Madeen's catalog snapshot. Its annual fee is $99. New applicants may see: Earn $250 bonus reward (25,000 points) after you spend $2000 within first 120 days of account opening..
- Top category
- Gas
- Effective value
- 4%
- Annual fee
- $99
Best for gas-heavy spend when the $99 fee fits your usage; confirm issuer terms before applying. Best for spenders who put meaningful volume in gas and can earn 4x points. The welcome bonus can help if you can meet the spend requirement. Travel perks may add value beyond the earn rate.
What does the Raymond James Mastercard Travel Rewards+ earn in each category?
Gas is the strongest category at 4% effective value (4x points at about 1 cents each). That gas rate ranks higher than about 92% of the 2,854 cards we track in that category. The five-category effective-rate table on this page shows how Raymond James Mastercard Travel Rewards+ compares across dining, grocery, gas, travel, and other spend. Catalog spend signals highlight.
Gas is the strongest category at 4% effective value (4x points at about 1 cents each). That gas rate ranks higher than about 92% of the 2,854 cards we track in that category. The five-category effective-rate table on this page shows how Raymond James Mastercard Travel Rewards+ compares across dining, grocery, gas, travel, and other spend.
| Category | Earn rate | Effective value |
|---|---|---|
| Dining Restaurants, cafes, takeout | 1.5x points | 1.5% |
| Grocery Supermarkets and grocery stores | 1.5x points | 1.5% |
| Gas Gas stations and fuel | 4x points | 4% Top category |
| Travel Flights, hotels, transit | 1.5x points | 1.5% |
| Other General everyday spend | 1.5x points | 1.5% |
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 Travel Rewards+ reward caps and conditions?
The Raymond James Mastercard Travel Rewards+ has 1 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.
- 4x unlimited points on travel, gas stations, electric vehicle charging stations, entertainment, and recreation purchases
Who should get the Raymond James Mastercard Travel Rewards+?
The Raymond James Mastercard Travel Rewards+ fits spenders who put meaningful volume in gas and can earn 4x points. Best for spenders who put meaningful volume in gas and can earn 4x points. The welcome bonus can help if you can meet the spend requirement. Travel perks may add value beyond the earn rate.
Raymond James Mastercard Travel Rewards+ fits spenders who put meaningful volume in gas and can earn 4x points. Madeen ranks its gas 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 gas and can earn 4x points. The welcome bonus can help if you can meet the spend requirement. Travel perks may add value beyond the earn rate.
Compare it against simpler no-fee cards if you want minimum complexity.
Best for gas-heavy spend when the $99 fee fits your usage; confirm issuer terms before applying.
Pros
- Strongest Madeen category is gas at about 4% effective (4x points).
- That gas rate ranks higher than about 92% of cards we track in the category.
- No foreign transaction fee listed.
- Welcome bonus may add value if you can meet spend requirements.
Cons
- $99 annual fee requires enough spend in bonus categories to offset.
- Elan Rewards value depends on how you redeem, not straight cash back.
What is the Raymond James Mastercard Travel Rewards+ welcome bonus?
In Madeen's catalog snapshot, the Raymond James Mastercard Travel Rewards+ welcome offer is Earn $250 bonus reward (25,000 points) after you spend $2000 within first 120 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
- 25k Elan Rewards (~$250 estimated)
- Terms (catalog snapshot)
- Earn $250 bonus reward (25,000 points) after you spend $2000 within first 120 days of account opening. First-year annual fee waived.
- Minimum spend
- $2,000
- Window
- 120Days
Does the Raymond James Mastercard Travel Rewards+ have an annual fee?
The Raymond James Mastercard Travel Rewards+ has an annual fee of $99 and a foreign transaction fee of None. Confirm current fees on the issuer page before applying.
- Annual fee
- $99
- Foreign transaction fee
- None
What travel perks does the Raymond James Mastercard Travel Rewards+ include?
The Raymond James Mastercard Travel Rewards+ includes Lounge access, Global emergency services, HealthLock, ID Navigator Powered by NortonLifeLock in our snapshot. Perks and benefits can change; verify coverage on the issuer site before you rely on them.
Lounge access
Complimentary Priority Pass™ Select membership with access to more than 1,300 VIP lounges worldwide.
What benefits come with the Raymond James Mastercard Travel Rewards+?
Lyft
$1,440/yrMore rides means more adventure. Take three rides in a month with Lyft to earn a $5 credit.3* Plus, save 10% on all scheduled rides to or from U.S. airports when you pay with your World Elite or World Legend Mastercard. Offer expires 1/31/2027.
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.
World Elite Concierge
$150/yrComplimentary 24/7 concierge agent for lifestyle needs, travel bookings and event access.
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+. Offer expires 1/31/2027.
Lounge Access
$99/yrComplimentary Priority Pass™ Select membership with access to more than 1,300 VIP lounges worldwide.
Priority Pass
$99/yrGet access to 1,700+ airport lounges worldwide and special offers and discounts in the terminal on dining, retail and spa experiences.
Peacock
$36/yrGet $3 off Peacock Premium or Peacock Premium Plus each month when you use your World Elite or World Legend Mastercard to subscribe. Watch new movies from theaters, buzzworthy original series, hit TV shows, live sports and so much more. Eligibility restrictions, exclusions and terms apply. Offer expires 12/31/2027.1
ID Navigator Powered by NortonLifeLock
$10/yrProvides tools so you can act quickly if your identity is threatened.
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/yrEnroll in 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.
Mastercard ID Theft Protection
$10/yrMonitor your credit file for fraud, get alerts for suspicious activity and access a resolution specialist.
Related encyclopedia topics
Common questions about the Raymond James Mastercard Travel Rewards+
Where do cardholders spend most with the Raymond James Mastercard Travel Rewards+?
Madeen's RewardsCC catalog snapshot shows the strongest bonus categories on other entertainment (4x), sporting events amusement parks and museums (4x), sporting goods (4x) for the Raymond James Mastercard Travel 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 Travel Rewards+ have an annual fee?
The Raymond James Mastercard Travel Rewards+ carries an annual fee of $99 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 Travel Rewards+?
Gas is the strongest Madeen category for the Raymond James Mastercard Travel 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 Travel Rewards+ charge foreign transaction fees?
The Raymond James Mastercard Travel Rewards+ does not charge a foreign transaction fee in Madeen's catalog snapshot, which can make it stronger for purchases outside the U.S. Issuer terms still control international acceptance and other fees.
What is the Raymond James Mastercard Travel Rewards+ welcome bonus?
The Raymond James Mastercard Travel Rewards+ welcome offer in our snapshot: Earn $250 bonus reward (25,000 points) after you spend $2000 within first 120 days of account opening.. Minimum spend, eligibility, and offer windows are set by the issuer and can change.
Is the Raymond James Mastercard Travel Rewards+ annual fee worth it?
Whether the $99 annual fee pays off depends on how much you spend in gas and whether you use the card's benefits. Compare effective rates across the cards you already carry in Madeen.
How does the Raymond James Mastercard Travel Rewards+ compare to similar cards?
Compare the Raymond James Mastercard Travel Rewards+ against Raymond James Mastercard Max Cash Preferred (5% on Other, $0 fee); Raymond James Mastercard Everyday Rewards+ (4% on Dining, $0 fee); Raymond James Mastercard Business Cash Preferred (3% 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 Travel Rewards+ This card | Gas | 4% | $99 |
Raymond James | Other | 5% | $0 |
Raymond James | Dining | 4% | $0 |
Raymond James | Dining | 3% | $0 |
Raymond James | Dining | 2% | $390 |
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Madeen publishes merchant guides that rank cards for specific stores and services. Browse guides for gas 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.
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