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AARP Credit Card Review

The AARP® Essential Rewards Mastercard® from Barclays
Card Category: Consumer
Card Type: Unsecured
Credit Needed: Excellent / Good Credit
Card Rating:
AARP Inc. is a not for profit organization founded in 1958 by Ethel Percy Andrus and Leonard Davis. AARP was formerly known as American Association of Retired Persons. It is a membership and interest based organization.

AARP Credit Card Details


  • Earn unlimited 2% cash back on eligible Medical expenses.2
  • Earn unlimited 3% cash back on Gas and Drug Store purchases (excluding Target® and Walmart®).2
  • Earn 1% Cash Back rewards on all other purchases.2


Max. Rewards: 3% Cash Back2
Sign-up Bonus: $100 Bonus Cash Back after you spend $500 on purchases in the first 3 months from account opening.2


Purchase Intro APR: N/A2
Purchase Regular APR: 21.99%, 25.99% or 29.99%2
Cash Advance Fee: 5%2
Cash Advance Regular APR: 31.49%2
Balance Transfer Intro APR: N/A2
Balance Transfer Regular APR: 21.99%, 25.99% or 29.99%2
Balance Transfer Fee: 3%2
Annual Fee: $02

AARP Credit Card Benefits

The AARP credit card comes with a great deal of benefits and rewards.
  • No annual fee
  • No purchase APR for first 12 months
  • No Balance transfer APR for first 12 months
  • A chance to earn $100 cashback on a new card
  • 3% cashback on spends on restaurants
  • 3% cashback for spending on gas stations
  • 1% cashback on every other purchase
  • Variety of options for cashback redemption
  • Purchase Protection
  • Extended Warranty Protection
  • No cap on rewards
  • Rewards would not expire until you close the account

AARP Credit Card Drawbacks

Although the card comes with a plenty of benefits, there are a few negative points too.
  • For cashback redemption, you need to have earned a minimum of $20.
  • A foreign transaction fee of 3%.

Contact Information


Local: 1 888 687 2277
International calls: +1 202 434 3525

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