AARP® Credit Card from Chase review

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Advertiser Disclosure

Interest Rate: Purchases
17.74% ‐ 24.49% (Variable)
Balance Transfer
17.74% ‐ 24.49% (Variable)
Rewards
1 - 3% cashback
Signup Bonus
$100 after spending $500


8/10
Informr score
The AARP® Credit Card from Chase currently has an Informr score of 8 out of 10. This score is based on our evaluation of 15 sources including reviews from users and the web's most trusted critics.

Am I eligible?


AARP® Credit Card from Chase is typically available to those with good credit scores (650 or greater).
To get this card, you must also:
Yes Be a permanent or temporary resident of USA

Note: This information is only intended as a guide. The final decision is up to the bank and your application could still be rejected even if you can answer 'Yes' to all the minimum criteria above. Always consider your options and your financial situation before you apply for a credit card.

What the Critics Are Saying...


Credit Cards Explained

With no annual fee and an easy sign-up bonus, the AARP Credit Card from Chase is one card that’s worth considering. It’s especially compelling if you frequently use your credit card for gas station or restaurant spending.

- Hannah Rounds, Credit Cards Explained
NerdWallet

The AARP Credit Card is worth a look if you eat out a lot, drive a lot or, best of all, both. AARP is known for the senior discounts it has won for its members, and this card continues that tradition. It pays an unlimited 3% cash back at restaurants and at gas stations. Three percent would be a pret...

- Paul Soucy, NerdWallet
Miles to Memories

The Chase AARP offers two nice bonus categories but is not a card that should be used as everyday card. When the welcome bonus is increased to $200 it has one of the better offers out there for a no annual fee card.

- Miles to Memories
The Balance

This card is a great deal, in keeping with all of the other good financial products AARP offers. This card offers a cash-back program that competes well with other top cash-back rewards cards such as the Bank of America Cash Rewards Visa Card.

- George Yacik, The Balance
Money Crashers

Ideal for heavy spenders who drive and dine out frequently. It’s also great for people who want some of their spending to go toward a worthy cause, though it’s important not to overstate the magnitude of AARP’s charity donation. The sign-up bonus and is very attractive too.

- Brian Martucci, Money Crashers

Details


Interest Rates
Regular APR Interest Rate 17.74% ‐ 24.49% (Variable)

 This APR will vary with the market based on the Prime Rate.

Balance Transfer Interest Rate 17.74% ‐ 24.49% (Variable)

 This APR will vary with the market based on the Prime Rate.

Cash Advance Interest Rate 26.49% (Variable)

 This APR will vary with the market based on the Prime Rate.

Rates & Fees
Annual Fee $0.00
Balance Transfer Fee 3%

Minimum of $5

Cash Advance Fee 5%

Minimum of $10

Foreign Transaction Fee 3%

Of each transaction in U.S. dollars.

Over Limit Fee $0.00
Late Payment Fee $35.00

Maximum

Promotions
Sign up bonus $100 after spending $500

On purchases within the first 3 months.

Rewards
All Purchases 1% cash back
Restaurants 3% cash back
Gas 3% cash back
Groceries No
Hotels No
Travel No
Pharmacy No
Bills No
Features & Benefits
Additional Card Holders Yes
Travel Accident Insurance No
Car Rental Insurance No
Car Rental Discount No
Extended Warranty Yes
Purchase Protection Yes
Zero Liability Yes
No Foreign Transaction Fees No
Emergency Assistance No
Concierge Service Yes
Price Protection No
Fraud Protection Yes
Free Credit Scores No
Wireless Payments No
Additional Benefits

- Return Protection

- Emergency card replacement

Eligibility
Minimum Security Deposit $0
Minimum Age 18
Minimum Personal Income
Temporary Residents No
More
Additional comments
Terms & Conditions Official Terms & Conditions
Suggest a correction

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Information in this article is believed to be accurate at the time it was written, but terms and conditions may change at any time. All information is presented without warranty or guarantee. Please verify all terms and conditions of any credit card prior to applying.

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Critic Reviews


Credit Cards Explained

Only makes sense as “supplemental” credit card

from Credit Cards Explained

With no annual fee and an easy sign-up bonus, the AARP Credit Card from Chase is one card that’s worth considering. It’s especially compelling if you frequently use your credit card for gas station or restaurant spending.

Read full review

With no annual fee and an easy sign-up bonus, the AARP Credit Card from Chase is one card that’s worth considering. It’s especially compelling if you frequently use your credit card for gas station or restaurant spending.

Read full review

Less

NerdWallet

Senior discounts for everyone

from NerdWallet

The AARP Credit Card is worth a look if you eat out a lot, drive a lot or, best of all, both. AARP is known for the senior discounts it has won for its members, and this card continues that tradition. It pays an unlimited 3% cash back at restaurants and at gas stations. Three percent would be a p...More

The AARP Credit Card is worth a look if you eat out a lot, drive a lot or, best of all, both. AARP is known for the senior discounts it has won for its members, and this card continues that tradition. It pays an unlimited 3% cash back at restaurants and at gas stations. Three percent would be a pretty good rate in those categories for any card, but it’s excellent on a card with a $0 annual fee.

Read full review

Less

Miles to Memories

An above average no annual fee card

Miles to Memories

The Chase AARP offers two nice bonus categories but is not a card that should be used as everyday card. When the welcome bonus is increased to $200 it has one of the better offers out there for a no annual fee card.

Read full review

The Chase AARP offers two nice bonus categories but is not a card that should be used as everyday card. When the welcome bonus is increased to $200 it has one of the better offers out there for a no annual fee card.

Read full review

Less

The Balance

Rich cash-back rewards card

from The Balance

This card is a great deal, in keeping with all of the other good financial products AARP offers. This card offers a cash-back program that competes well with other top cash-back rewards cards such as the Bank of America Cash Rewards Visa Card.

Read full review

This card is a great deal, in keeping with all of the other good financial products AARP offers. This card offers a cash-back program that competes well with other top cash-back rewards cards such as the Bank of America Cash Rewards Visa Card.

Read full review

Less

Money Crashers

A pretty good credit card

from Money Crashers

Ideal for heavy spenders who drive and dine out frequently. It’s also great for people who want some of their spending to go toward a worthy cause, though it’s important not to overstate the magnitude of AARP’s charity donation. The sign-up bonus and is very attractive too.

Read full review

Ideal for heavy spenders who drive and dine out frequently. It’s also great for people who want some of their spending to go toward a worthy cause, though it’s important not to overstate the magnitude of AARP’s charity donation. The sign-up bonus and is very attractive too.

Read full review

Less

CreditCards.com

Solid marks for its strong rewards rate

from CreditCards.com

The AARP card, which offers strong rewards on categories such as gas and restaurant purchases, is an ideal choice for post-retirement road trips. However, don’t expect a huge windfall from this relatively basic cash back card.

Read full review

The AARP card, which offers strong rewards on categories such as gas and restaurant purchases, is an ideal choice for post-retirement road trips. However, don’t expect a huge windfall from this relatively basic cash back card.

Read full review

Less

Finder

An excellent card if you spend big on fuel and dining out

The AARP Credit Card is for a specific type of spender: one who eats out regularly and spends a lot on gas. Key is the card’s 3% cash back at restaurants and gas stations, which is an excellent rewards rate. If your spending is dispersed evenly throughout different categories, you might want to pick a different card.

Read full review

The AARP Credit Card is for a specific type of spender: one who eats out regularly and spends a lot on gas. Key is the card’s 3% cash back at restaurants and gas stations, which is an excellent rewards rate. If your spending is dispersed evenly throughout different categories, you might want to pick a different card.

Read full review

Less

Bankrate

This card offers robust rewards with minimal effort

from Bankrate

The AARP Credit Card from Chase offers sizable rewards for people who love to eat out and fill up at the gas pump. The 3% cash back rewards on restaurant and gas purchases is better than what most rewards cards offer. Plus, cardholders don’t have to jump through hoops to figure out the points s...More

The AARP Credit Card from Chase offers sizable rewards for people who love to eat out and fill up at the gas pump. The 3% cash back rewards on restaurant and gas purchases is better than what most rewards cards offer. Plus, cardholders don’t have to jump through hoops to figure out the points system as there are no category spending requirements or limits on how much you can earn.

Read full review

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RewardExpert

An excellent no annual fee card that has some great bonus categories for purchases

from RewardExpert

The AARP credit card from Chase is an excellent no annual fee card that has some great bonus categories for purchases. It may not be that well-known or come with all the bells and whistles that some premium Chase rewards cards offer, but it’s still a great cashback card that’s worth your consideration.

Read full review

The AARP credit card from Chase is an excellent no annual fee card that has some great bonus categories for purchases. It may not be that well-known or come with all the bells and whistles that some premium Chase rewards cards offer, but it’s still a great cashback card that’s worth your consideration.

Read full review

Less

HighYa

Sometimes the best credit card rewards can come from the most unlikely places

from HighYa

While the AARP Credit Card from Chase may be branded with a retirement organization’s name, the card is available to everyone. Good thing, too; it’s cash back rewards are among the best you can find. This cash rewards credit card has industry-leading rewards on certain types of purchases but...More

While the AARP Credit Card from Chase may be branded with a retirement organization’s name, the card is available to everyone. Good thing, too; it’s cash back rewards are among the best you can find. This cash rewards credit card has industry-leading rewards on certain types of purchases but you rarely see the card mentioned among the best-in-class.

Read full review

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User Reviews


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