Get the AARP Credit Card to earn cash back on daily purchases, enjoy travel perks, and access special discounts. Begin saving now!
Table of Contents
Introduction
The AARP Credit Card is a unique credit card designed for AARP members, offering exclusive benefits tailored to the needs of individuals over the age of 50. Through a partnership with Barclays, the AARP Credit Card provides cardholders with a variety of rewards, perks, and discounts that align with the lifestyle and interests of its members.
With generous rewards on everyday spending categories like dining, travel, and gas, the AARP Credit Card helps members earn cash back while enjoying benefits like travel protection, extended warranties, and fraud protection. Whether you’re looking for ways to save on your day-to-day purchases or seeking a card with long-term benefits, the AARP Credit Card is a great option for those who want to make the most of their spending while enjoying the exclusive perks that come with AARP membership.
What is the AARP Credit Card?
The AARP Credit Card is a credit card designed for members of the American Association of Retired Persons (AARP). Issued through a partnership with Barclays, this card offers exclusive benefits and rewards for individuals aged 50 and older.
Cardholders can earn cash back on everyday purchases, with enhanced rewards in categories such as dining, gas, and travel. Additionally, the AARP Credit Card provides valuable benefits like travel protection, extended warranties, and fraud protection. It’s an ideal option for AARP members looking to maximize their spending while enjoying perks that align with their lifestyle.
Key Benefits of the AARP Credit Card
The AARP Credit Card offers a range of benefits designed to help members make the most of their spending. Here are the key advantages:
Cash Back Rewards
Earn cash back on eligible purchases, with bonus categories that help you earn more.
- 3% cash back on restaurants and gas
- 1% cash back on all other purchases
No Annual Fee
The AARP Credit Card comes with no annual fee, making it an affordable option for earning rewards and enjoying benefits.
Travel Protection
Enjoy peace of mind when traveling with built-in travel protection benefits. These include travel accident insurance, trip cancellation insurance, and emergency travel assistance.
Extended Warranty Protection
Get extended warranty coverage on eligible purchases, adding up to an additional year of protection beyond the manufacturer’s warranty.
Fraud Protection
The card includes fraud protection features, such as zero liability for unauthorized transactions, to ensure your purchases are safe and secure.
Access to Exclusive AARP Discounts
As an AARP member, you can take advantage of exclusive discounts on travel, dining, and entertainment, as well as other special offers available through the AARP program.
No Foreign Transaction Fees
Enjoy no foreign transaction fees when using the AARP Credit Card abroad, making it a convenient choice for international travel.
Convenient Account Management
Easily manage your account online or via the mobile app. Track spending, make payments, and access rewards all in one place.
Rewards Program Overview
The AARP Credit Card offers a straightforward and rewarding program designed to benefit members with every purchase. Here’s an overview of how the rewards program works:
Cash Back Earning Potential
- 3% cash back on restaurants and gas purchases.
- 1% cash back on all other purchases, allowing you to earn rewards on everything from groceries to online shopping.
Earning Flexibility
- Cash back can be redeemed for statement credits, gift cards, or travel rewards, giving you flexibility in how you use your rewards.
Special Bonus Offers
- AARP members may receive bonus reward opportunities during special promotions, helping you earn more cash back in specific categories or during certain periods of the year.
No Caps on Rewards
Unlike many credit cards, the AARP Credit Card doesn’t impose spending caps on earning rewards, so you can continue earning cash back on all eligible purchases without worrying about limits.
Rewards Redemption
Once you’ve accumulated rewards, you can easily redeem them for statement credits or travel-related purchases. This makes it simple to take advantage of the rewards you’ve earned.
AARP Membership Requirements
To apply for the AARP Credit Card, you must first become a member of the American Association of Retired Persons (AARP). Here are the requirements to join:
Age Requirement
- AARP membership is available to individuals aged 50 and older. While you don’t need to be retired to join, this age requirement helps ensure the membership is tailored to those in the 50+ age group.
Membership Fee
- The annual membership fee for AARP is typically around $16. New members often receive special offers or discounts for their first year of membership, so it’s worth checking for promotions.
Benefits of AARP Membership
- Access to a range of benefits, including discounts on travel, insurance, shopping, and entertainment.
- Eligibility for the AARP Credit Card and its associated rewards and perks.
Fees and Interest Rates for the AARP Credit Card
Here’s a breakdown of the key fees and interest rates associated with the AARP Credit Card:
| Fee Type | Details |
|---|---|
| Annual Fee | $0 (No annual fee) |
| Purchase APR | 15.24% – 24.24% (Variable based on creditworthiness) |
| Cash Advance APR | 25.24% (Variable) |
| Cash Advance Fee | 5% of the amount of each cash advance or $10, whichever is greater |
| Balance Transfer APR | 15.24% – 24.24% (Variable) |
| Balance Transfer Fee | 5% of the amount of each balance transfer or $5, whichever is greater |
| Late Payment Fee | Up to $40 |
| Returned Payment Fee | Up to $40 |
| Foreign Transaction Fee | 3% of each transaction in U.S. dollars |
How to Apply for the AARP Credit Card
Applying for the AARP Credit Card is a straightforward process. Follow these steps to submit your application:
Become an AARP Member
Before applying for the AARP Credit Card, you must first become a member of the American Association of Retired Persons (AARP). You can join online through the AARP website. Membership is open to individuals aged 50 and older, with an annual fee of approximately $16.
Visit the AARP Credit Card Application Page
Once you’re a member, visit the official AARP Credit Card application page, which is available on the Barclays website (the card issuer).
Complete the Application Form
Fill out the online application form with your personal details, including:
- Full name
- Address
- Date of birth
- Social Security number or Tax ID
- Income details
- Employment information
Review Terms and Conditions
Before submitting your application, carefully review the terms and conditions of the card, including fees, APR, and benefits.
Submit Your Application
Once you’ve filled out the form and reviewed the terms, submit your application for processing. The approval process typically takes a few minutes, but it may take longer in some cases.
Receive a Decision
You’ll receive an immediate or delayed decision based on your creditworthiness. If approved, your AARP Credit Card will be sent to you within a few business days.
Activate Your Card
Once your card arrives, follow the instructions included to activate your AARP Credit Card, which can typically be done online or over the phone.
Start Using Your Card
After activation, you can start using your AARP Credit Card to earn rewards, enjoy benefits, and access AARP member perks. Be sure to manage your card responsibly to maintain a healthy credit score.
AARP Credit Card vs. Competitors
When comparing the AARP Credit Card to other credit cards on the market, several factors come into play, including rewards, fees, and benefits. Here’s a comparison of the AARP Credit Card against its key competitors:
AARP Credit Card vs. Chase Freedom Unlimited®
- Rewards: The AARP Credit Card offers 3% cash back on dining and gas, while the Chase Freedom Unlimited® provides 1.5% cash back on all purchases and 5% cash back on travel booked through Chase.
- Annual Fee: The AARP Credit Card has no annual fee, while the Chase Freedom Unlimited® also has no annual fee.
- Sign-up Bonus: The AARP Credit Card doesn’t offer a sign-up bonus, while the Chase Freedom Unlimited® offers $200 after spending $500 in the first 3 months.
- Foreign Transaction Fees: The AARP Credit Card has no foreign transaction fees, making it ideal for international travelers. Chase Freedom Unlimited® also offers no foreign transaction fees.
AARP Credit Card vs. Capital One QuicksilverOne® Cash Rewards Credit Card
- Rewards: The AARP Credit Card gives 3% cash back on dining and gas, while the Capital One QuicksilverOne® offers 1.5% cash back on all purchases.
- Annual Fee: The AARP Credit Card has no annual fee, while the Capital One QuicksilverOne® charges a $39 annual fee.
- APR: The AARP Credit Card offers an APR of 15.24% – 24.24%, depending on creditworthiness, while the Capital One QuicksilverOne® has an APR of 26.99% (Variable).
- Credit Score Requirement: The AARP Credit Card generally requires good to excellent credit, while the Capital One QuicksilverOne® may be more accessible for individuals with fair credit.
AARP Credit Card vs. Citi® Double Cash Card
- Rewards: The AARP Credit Card offers 3% cash back on dining and gas, while the Citi® Double Cash Card provides 2% cash back: 1% when you make a purchase and 1% when you pay it off.
- Annual Fee: Both cards have no annual fee.
- Foreign Transaction Fees: Both the AARP Credit Card and Citi® Double Cash Card have no foreign transaction fees, which is great for international travel.
- Sign-up Bonus: The AARP Credit Card does not offer a sign-up bonus, whereas the Citi® Double Cash Card offers $200 after spending $1,500 in the first 6 months.
Summary
- AARP Credit Card is ideal for those who are AARP members and want strong rewards in dining and gas purchases, along with travel protection and no annual fee.
- Chase Freedom Unlimited® and Citi® Double Cash Card are strong competitors with great rewards programs and no annual fees but offer different cash back structures and bonuses.
- Capital One QuicksilverOne® may be a good option for those with fair credit, but it comes with an annual fee.
Customer Reviews and Experiences
Positive Reviews
Many customers praise the AARP Credit Card for its straightforward rewards program and the ease of earning cash back on everyday purchases. Some of the most common positive points include:
- Rewards on Dining and Gas: Users appreciate the 3% cash back on dining and gas, which helps them earn rewards quickly on common, frequent expenses.
- No Annual Fee: The no annual fee structure is a major benefit for cardholders, especially since it allows users to enjoy rewards without the added cost of maintaining the card.
- Easy Redemption: Cardholders find it simple to redeem rewards for statement credits, gift cards, or travel purchases, making it a versatile card for various needs.
- Good for AARP Members: Many reviewers, particularly those in the 50+ age group, find value in the card’s added benefits that come with an AARP membership, such as discounts on health, travel, and insurance.
Negative Reviews
On the flip side, some customers have pointed out areas where the AARP Credit Card could improve:
- Limited Rewards Categories: While the card offers 3% cash back on dining and gas, some users feel that the 1% cash back on other purchases isn’t as competitive as other credit cards that offer higher cash back percentages on broader categories.
- APR: Some customers mention the variable APR (ranging from 15.24% – 24.24%) as higher than other similar cards, especially if they tend to carry balances.
- Eligibility Restrictions: Certain users have found the application process challenging if their credit score doesn’t meet the specific requirements, limiting its accessibility.
Security Features and Fraud Protection of the AARP Credit Card
The AARP Credit Card, issued by Barclays, offers several robust security features and fraud protection tools to ensure that cardholders’ accounts and personal information are protected.
Key Security Features
1. Fraud Monitoring
- 24/7 Transaction Monitoring: Barclays continuously monitors transactions for suspicious or unusual activities. Any potentially fraudulent transactions are flagged for immediate review.
- Instant Alerts: Cardholders receive instant alerts for any unauthorized transactions via email, text, or phone, helping them take swift action.
2. Zero Liability Protection
- If your AARP Credit Card is lost or stolen, you won’t be responsible for any unauthorized purchases made with the card, provided you report it immediately to Barclays. This Zero Liability Protection ensures peace of mind for cardholders.
3. Multi-Factor Authentication
- Enhanced Login Security: Barclays uses multi-factor authentication (MFA) for logging into your online account and mobile app. You may be required to verify your identity using methods such as a one-time passcode (OTP) sent to your phone or email.
4. Secure Online Payments
- The AARP Credit Card uses Secure Socket Layer (SSL) encryption to protect sensitive information during online transactions. This ensures that your personal and payment details are securely transmitted.
5. Virtual Account Numbers
- Barclays offers the ability to create virtual credit card numbers for online purchases, which act as a temporary card number to prevent your actual card details from being exposed during online shopping.
Fraud Protection Tools
1. Lock Your Card
- If your card is lost or you suspect fraudulent activity, you can lock your AARP Credit Card immediately through the Barclays mobile app or online account management portal, preventing unauthorized transactions.
2. Fraud Alerts and Notifications
- You can set up customized alerts to monitor your spending and be notified of any activity on your card. This feature helps you stay on top of your account and catch fraudulent transactions early.
3. Security Features in the Barclays Mobile App
- The Barclays mobile app allows cardholders to manage their security settings, including enabling biometric login (fingerprint or facial recognition) for easy and secure access.
4. Dispute Resolution
- In case of fraudulent transactions, Barclays provides a straightforward process to dispute charges. You can report unauthorized transactions through your online account or mobile app, and the bank will investigate the issue.
How to Report Fraud
If you suspect fraud or notice unauthorized charges, you can take the following steps:
- Immediately contact Barclays: Report the fraudulent activity by calling the customer service number found on the back of your card.
- Lock your card: Use the mobile app or online portal to freeze your card to prevent further unauthorized charges.
- Monitor your account: Regularly check your statements for any unusual activity and report it to Barclays promptly.
Managing Your AARP Credit Card Account
Effectively managing your AARP Credit Card is key to making the most of its benefits, staying on top of payments, and protecting your credit score. Barclays provides several tools and features to help you manage your card efficiently and securely.
Online Account Management
- Access Your Account Online: Once you’ve received your AARP Credit Card, you can create an online account through the Barclays website. From there, you can easily view your balance, make payments, track rewards, and access statements.
- View Transaction History: Review recent transactions, track spending patterns, and check your cash back rewards at any time through your online account. This helps you stay informed about your spending and make adjustments if needed.
Mobile App Management
- Download the Barclays Mobile App: The Barclays mobile app allows you to manage your AARP Credit Card on the go. It’s available for both iOS and Android devices. With the app, you can:
- Check your balance
- Make payments
- View recent transactions
- Track rewards and redeem them
- Receive fraud alerts and account notifications
- Lock your card if it’s lost or stolen
Making Payments
- Pay Your Bill Online: You can pay your AARP Credit Card bill online through the Barclays website or mobile app. It’s easy to make one-time payments or set up automatic payments for added convenience.
- Payment Due Dates: Stay on top of your payment due dates by setting up payment reminders or enabling auto-pay. Paying on time helps avoid late fees and keeps your credit score healthy.
- Multiple Payment Methods: Barclays offers various payment options, including debit cards, ACH transfers, or direct bank transfers, allowing you to choose the most convenient method.
Setting Up Alerts and Notifications
- Account Alerts: Barclays allows you to set up customizable alerts for your AARP Credit Card account. These alerts can notify you of:
- Payment due dates
- Low balance or credit limit usage
- Suspicious account activity
- Cash back reward milestones
- Fraud and Security Alerts: Get instant notifications if Barclays detects unusual activity on your account, helping you quickly address any potential security issues.
Managing Rewards
- Track Your Rewards: You can easily track your cash back rewards through the online account or mobile app. This includes:
- Viewing your available rewards balance
- Redeeming rewards for statement credits, gift cards, or travel expenses
- Checking how much you’ve earned on gas and dining purchases, the two categories that earn the highest rewards
- Redeem Rewards: Once you’ve accumulated enough rewards, you can use them to reduce your credit card balance or spend on eligible items through the AARP online portal.
Credit Score and Report Access
- Credit Monitoring: Keep track of your credit score through your online account with Barclays. Regular monitoring helps you understand your credit health and make better financial decisions.
- Monthly Statements: Review your monthly credit card statements through your online account. These statements provide a summary of your spending, payments, and any outstanding balances.
Contact Customer Support
- Reach Out for Assistance: If you need help with managing your account, Barclays offers customer support via phone, email, and live chat. Whether you need help with technical issues, fraud protection, or rewards questions, customer service is available to assist.
- Dispute a Charge: If you notice an unauthorized or incorrect charge on your account, you can easily initiate a dispute directly through the Barclays website or mobile app.
Updating Account Information
- Change Your Personal Information: You can update your contact details, address, and other personal information online or through the app. Keeping your details current ensures you receive important account notifications and statements.
- Request a Credit Limit Increase: If you need a higher credit limit, you can request an increase through your account management portal, subject to approval based on your creditworthiness.
Conclusion
The AARP Credit Card, offered by Barclays, is an excellent choice for individuals seeking to earn rewards on everyday purchases while enjoying exclusive benefits tailored to AARP members. With its competitive cash back rewards program, generous discounts on travel, and added perks for dining and gas purchases, the card provides great value for those looking to make the most of their spending. Additionally, the no annual fee and robust fraud protection make it a practical and secure option.
Whether you’re aiming to earn rewards, save on travel expenses, or take advantage of special AARP discounts, the AARP Credit Card helps you achieve your financial goals. The tools available for managing your account, including online access, mobile app, and custom alerts, ensure you stay in control of your finances, while the integration with AARP benefits enhances the overall experience. If you’re an AARP member looking for a straightforward, rewarding credit card, the AARP Credit Card is certainly worth considering.
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FAQs About AARP Credit Card
What is the AARP Credit Card?
The AARP Credit Card, issued by Barclays, offers cash back rewards, travel perks, and discounts for AARP members, with no annual fee and a variety of additional benefits.
How do I earn rewards with the AARP Credit Card?
You earn cash back rewards for purchases made in categories like gas, dining, and travel. The rewards can be redeemed for statement credits, gift cards, or travel expenses.
Is there an annual fee for the AARP Credit Card?
No, the AARP Credit Card does not charge an annual fee, making it a cost-effective option for cardholders.
How can I apply for the AARP Credit Card?
You can apply for the AARP Credit Card online through the Barclays website. Simply provide your personal information and credit details for consideration.
What is the APR on the AARP Credit Card?
The APR for purchases and cash advances on the AARP Credit Card is variable, typically between 16.24% and 25.24%, depending on your creditworthiness.
Can I manage my AARP Credit Card online?
Yes, you can manage your AARP Credit Card online through Barclays’ website or mobile app. Features include checking balances, making payments, and tracking rewards.
Does the AARP Credit Card offer any travel benefits?
Yes, the AARP Credit Card offers travel-related perks like discounts on select car rentals, travel insurance, and access to exclusive travel deals for AARP members.
What should I do if my AARP Credit Card is lost or stolen?
If your card is lost or stolen, contact Barclays immediately to report the issue and protect your account. You can lock your card through the mobile app or online portal.
How do I redeem my rewards from the AARP Credit Card?
You can redeem your cash back rewards for statement credits, travel expenses, or gift cards through your online account or Barclays’ rewards portal.
Are there any foreign transaction fees with the AARP Credit Card?
No, the AARP Credit Card does not charge foreign transaction fees, making it a great option for international travel.
