Am I eligible?
To get this card, you must also:
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...
- BestCardsIt is a versatile rewards credit card for seniors over the age of 50. The card offers up to 3% cash back on gas and drug store purchases and 2% back on most medical expenses – all for no annual fee.
- Ben Walker, FinanceBuzzYour general expenses tend to change as you age, which is why the AARP Essential Rewards Mastercard from Barclays could appeal to older adults. With bonus earning potential on gas and drug store purchases (except for Target and Walmart), as well as medical expenses, this could be an attractive optio...
- Brittney Myers, The AscentHas a set of rewards that may appeal to many of its member base. But it could also be valuable for anyone with a lot of drugstore or medical expenses.
- Bryan Huynh, Hustler MoneyBlogIf you are looking for a cash back card with no annual fee, consider the AARP Essential Rewards Mastercard for your everyday use. You might be interested in the sign up bonus, benefits, and more.
- Steven Dashiell, FinderIf you’re an AARP member and want a card that offers a great rewards rate on gas and the opportunity to earn cashback on medical expenses, the AARP Essential Rewards Card is worth a spot in your wallet. It’s also a great choice if you need a balance transfer card.
Details
| Interest Rates | |
|---|---|
| Regular APR Interest Rate |
16.99% ‐ 25.99% (Variable) This APR will vary with the market based on the Prime Rate. |
| Balance Transfer Interest Rate |
16.99% ‐ 25.99% (Variable) (0% for the first 15 months)
|
| 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 |
5% 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 |
$39.00 Maximum |
| Promotions | |
| Sign up bonus |
$100 after spending $500
|
| Rewards | |
| All Purchases | 1% cash back |
| Restaurants | No |
| Gas | 3% cash back |
| Groceries | No |
| Hotels | No |
| Travel | No |
| Pharmacy |
3% cash back Excluding Target and Walmart |
| Bills | No |
| Additional Details |
|
| Features & Benefits | |
| Additional Card Holders | Yes |
| Travel Accident Insurance | No |
| Car Rental Insurance | No |
| Car Rental Discount | No |
| Extended Warranty | No |
| Purchase Protection | No |
| Zero Liability | Yes |
| No Foreign Transaction Fees | No |
| Emergency Assistance | No |
| Concierge Service | No |
| Price Protection | No |
| Fraud Protection | Yes |
| Free Credit Scores | Yes |
| Wireless Payments | Apple Pay, Google Pay |
| Virtual Cards | No |
| 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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