Offer subject to credit approval. Not everyone will qualify for the AARP Essential Rewards Mastercard from Barclays. If at the time of your application you do not meet the credit criteria previously established for this offer, or the income you report is insufficient based on your obligations, we may not be able to open an account for you or you may receive a Platinum card and benefits will vary. This offer is available through this advertisement and may not be accessible elsewhere. For complete pricing and other details, please see the Terms and Conditions.
This one-time offer is valid for eligible cardmembers. You may not be eligible for this offer if you currently have or previously had an account with us in this program. In addition, you may not be eligible for this offer if, at any time during our relationship with you, we have cause, as determined by us in our sole discretion, to suspect that the account is being obtained or will be used for abusive or gaming activity (such as, but not limited to, obtaining or using the account to maximize rewards earned in a manner that is not consistent with typical consumer activity and/or multiple credit card account applications/openings). Please see the About This Offer section of the Terms and Conditions for important information.
Annual Fee is $0. 0% introductory APR on balance transfers made within 45 days of account opening is applicable for the first 15 billing cycles that immediately follow each balance transfer. This introductory APR offer does not apply to purchases and cash advances. For new and outstanding balance transfers after the introductory period and all purchases, the variable APR is 16.74%, 20.74%, or 25.74%, depending upon our review of your application and your credit history at account opening. The variable APR for cash advances is 26.24%. The APRs on your account will vary with the market based on the Prime Rate and are subject to change. The minimum monthly interest charge will be $0.50. Balance transfer fee: 5% (min. $5). Cash advance fee: 5% (min. $10). Foreign transaction fee: 3%. See Terms and Conditions for updated and more information about the terms of this offer, including the “About the Variable APRs on Your Account” section for the current Prime Rate information.
Conditions and limitations apply. Please refer to the Reward Rules within the Terms and Conditions for additional information about the rewards program.
From March 22, 2021 to March 31, 2022, Barclays Bank Delaware (Barclays) will donate $10 for every newly approved AARP-branded credit card from a Barclays account that is used within the first 90 days of account opening and 1% of all eligible electronic and telecommunications purchases made with the card to AARP Foundation, in support of efforts to increase social connection. Total maximum donation by Barclays is $1 million annually. As AARP's charitable affiliate, AARP Foundation works to end senior poverty by helping people over 50 build economic opportunity, emphasizing equitable outcomes.
FICO is a registered trademark of Fair Isaac Corporation in the United States and other countries. Barclays offers FICO® Score access at its sole discretion. Not all accounts with have a FICO® Score available. FICO® Score access is not a permanent feature of your account and may be removed at any time. To view your FICO Score, your account with us must be open, active (having activity within the past 150 days) and in good standing.
The AARP Essential Rewards Mastercard by Barclays is issued by Barclays Bank Delaware (Barclays) pursuant to a license from Mastercard International Incorporated. Mastercard, World Mastercard and World Elite Mastercard are a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.
AARP member benefits are provided by third parties, not by AARP or its affiliates. Barclays Bank Delaware (Barclays) pays royalty fees to AARP for the use of its intellectual property. These fees are used for the general purposes of AARP. Some Barclays offers are subject to change and may have restrictions. Please contact Barclays directly for details.
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You may use an AARP membership for discounts on travel, insurance, and financial planning. Even if you don’t, you may be excited to know that Barclays is launching two co-brand AARP credit cards that can earn cash rewards. They come with different bonus categories, giving cardholders more opportunities to maximize their purchases.
The information for the AARP® Essential Rewards Mastercard® from Barclays has been collected independently by Johnny Jet. The card details on this page have not been reviewed or provided by the card issuer.
The AARP® Essential Rewards Mastercard® from Barclays is best for earning cash rewards. There is no annual fee, but there is a 3% foreign transaction fee.
New cardmembers can also get a $100 cash signup bonus after spending $500 in the first 90 days.
Purchases earn up to 3% back:
You can earn unlimited purchase rewards, and the rewards points don’t expire as long as your account is open and in good standing.
This card can help you maximize your daily spending. It can also be useful for taking a road trip.
Redemption options include:
The redemption minimum is $25 but only $16 for AARP membership renewals.
There are several add-on benefits to having an AARP credit card.
Opening a new AARP credit card lets Barclays make a $10 donation to the AARP Foundation to combat senior poverty. Barclays donates $10 when a new credit card is used for the first time in the initial 90 days.
Also, Barclays donates 1% of the following purchases to the AARP Foundation (up to $1 million per year):
In addition to earning credit card rewards, qualifying purchases can help others with financial and social needs.
The information for the AARP® Travel Rewards Mastercard® from Barclays has been collected independently by Johnny Jet. The card details on this page have not been reviewed or provided by the card issuer.
Those who prefer travel rewards may prefer the AARP® Travel Rewards Mastercard® from Barclays.
The card rewards and benefits are similar to the AARP Essential Rewards Mastercard. It doesn’t have an annual fee, yet one primary difference is earning bonus points on travel purchases.
Another difference is that the AARP Travel Reward Mastercard doesn’t have a foreign transaction fee.
New cardholders can earn a $100 cash signup bonus after making $500 in purchases during the first 90 days.
This AARP travel credit card can be the better option if you want to earn bonus rewards on travel-related purchases.
As a quick comparison, the AARP Essential Rewards earns more on gas, drug store, and medical purchases.
The redemption minimum is $25 for cash, gift card, and merchandise redemptions and $16 for AARP membership renewals.
While this card earns bonus rewards on travel purchases, there isn’t a redemption bonus or point transfer options like some travel rewards cards offer. But you can enjoy the flexibility of cash redemptions into a bank account or a statement credit.
The additional card benefits include Barclay’s donations to the AARP Foundation when you make qualifying purchases. You can also access your FICO credit score for free and get $0 fraud liability protection.
Applying for an AARP credit card makes sense if you have an AARP membership. Annual membership costs $16.
While being age 50 or older can give you the most membership benefits, adults of any age can join and enjoy these AARP member discounts:
For example, you may be able to earn 10% Walgreens Cash on Walgreens purchases plus any credit card rewards. Travel discounts can help you save money on flights, hotel nights, car rentals, and vacation packages.
You can look for other merchants that offer an AARP discount to maximize your membership.
Current AARP members and other credit card enthusiasts may recall seeing offers for an AARP® Credit Card from Chase. This card is no longer accepting new applications as Barclays handles the AARP credit card portfolio.
Current Chase AARP cardholders can continue using their card as usual. They will receive correspondence from Barclays in the summer of 2021 about transitioning to a Barclays AARP credit card.
Both card versions have no annual fee and similar redemption options. But your spending habits can determine which card is better for you.
You should choose the AARP Essential Rewards Card in these instances:
Being able to earn 2% on medical purchases can be an easy way to earn bonus cash. You can use the points on most unreimbursed healthcare expenses.
Some of the eligible medical purchases include:
Your insurance plan or health savings account can pick up the first portion, and you can charge the remaining balance to your AARP Essential Rewards Card to earn 2% back.
You can also use this card to pay for non-covered treatment that requires cash payments.
Related:The Best Credit Cards For Medical Bills
The AARP Travel Rewards Mastercard is better for these spending habits:
If you love to travel and have minimal medical bills, this card can be a better fit. But you will need to book your vacations directly from the travel providers.
One downside is that gas station purchases don’t earn bonus cashback like the alternative. However, these best credit cards for gas station purchases might be a good alternative if you want to earn more.
Both of the new AARP credit cards make it easy to maximize significant, recurring expenses. The redemption options are flexible and not having to pay an annual fee is nice too. Either card can help you maximize your AARP membership.
The comments on this page are not provided, reviewed, or otherwise approved by the bank advertiser. It is not the bank advertiser's responsibility to ensure all posts and/or questions are answered. Editorial Note: The editorial content on this page is not provided by any bank, credit card issuer, airlines or hotel chain, and has not been reviewed, approved or otherwise endorsed by any of these entities.
Editorial Note: The editorial content on this page is not provided by any bank, credit card issuer, airlines or hotel chain, and has not been reviewed, approved or otherwise endorsed by any of these entities.
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