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AARP® Essential Rewards Mastercard®

AARP® Essential Rewards Mastercard® review

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Advertiser Disclosure

Annual Fee
$0.00
Interest Rate: Purchases
20.49% ‐ 29.49% (Variable)
Interest Rate: Purchases
20.49% ‐ 29.49% (Variable)
Balance Transfer
20.49% ‐ 29.49% (Variable) (0% for the first 15 months)
Balance Transfer
20.49% ‐ 29.49% (Variable) (0% for the first 15 months)
Rewards
1 - 3% cashback
Rewards
1 - 3% cashback
Signup Bonus
$100 after spending $500
Signup Bonus
$100 after spending $500


7/10
Informr score
The AARP® Essential Rewards Mastercard® currently has an Informr score of 7 out of 10. This score is based on our evaluation of 5 sources including reviews from users and the web's most trusted critics.

Am I eligible?


AARP® Essential Rewards Mastercard® 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...


FinanceBuzz
FinanceBuzz

Your 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 opt...

- Ben Walker, FinanceBuzz
Hustler MoneyBlog
Hustler MoneyBlog

If 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.

- Bryan Huynh, Hustler MoneyBlog
BestCards
BestCards

It 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.

- BestCards
The Ascent
The Ascent

Has 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. At the same time, a flat-rate 2% cash back card might provide more rewards overall, especially if paired with a gas rewards card. The AARP® Essential...

- Brittney Myers, The Ascent
Finder
Finder

If 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.

- Steven Dashiell, Finder

Details


Interest Rates
Regular APR Interest Rate 20.49% ‐ 29.49% (Variable)

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

Balance Transfer Interest Rate 20.49% ‐ 29.49% (Variable) (0% for the first 15 months)
  • Intro rate applies on balances transferred within the first 45 days of account opening.
  • This APR will vary with the market based on the Prime Rate.
Cash Advance Interest Rate 29.99% (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
  • On purchases within the first 90 days
  • Barclays will donate $10 to AARP Foundation for every new account
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
  • 2% cash back on Medical expenses
  • Barclays will donate 1% of eligible purchases to AARP Foundation
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
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Additional comments -
Terms & Conditions Official Terms & Conditions
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