The AARP® Credit Card from Chase is a nice credit card especially if you dine and get gas often. Don't forget about the $100 Bonus cash back after you spend $500 on purchases in the first 3 months from account opening.
You could earn up to 3% cash back on purchases at restaurants and gas stations and 1% cash back rewards on all other purchases. There is no annual fee but there is a foreign transaction fee. Take advantage of this credit card bonus and start earning cash back. So if you can, signup for the AARP® Credit Card today!
*The AARP credit card is issued by Chase Bank. Chase also offers great sign-up bonuses for its Checking/Savings accounts.
Table of Contents
AARP Credit Card Summary
| Bonus Available | Earn $100 bonus cash back after you make at least $500 in purchases within the first 3 months of account opening. |
| *Bonus Value | $100 |
| Ongoing Rewards/Benefits | 3% cash back rewards at restaurants and gas stations and 1% cash back for all other purchases. |
| Foreign Transaction Fees | 3% |
| Annual Fee | $0 |
Recommended Free Credit Score (Get Free Score)
690 – 850 (Good – Excellent)
PROS
- No annual fee
- Bonus cash back
- High rewards rate
- Automatic contribution to Drive to End Hunger
CONS
- Good-Excellent credit needed to qualify
- Foreign transaction fees
Editor’s Alternate Pick
 With the Capital One® SavorOneSM Cash Rewards Credit Card: • Earn a one-time $150 cash bonus after you spend $500 on purchases within the first 3 months from account opening • Earn unlimited 3% cash back on dining and entertainment, 2% at grocery stores and 1% on all other purchases • No rotating categories or sign-ups needed to earn cash rewards; plus cash back won't expire for the life of the account and there's no limit to how much you can earn • 0% intro APR on purchases for 15 months; 16.24% - 26.24% variable APR after that • 0% intro APR on balance transfers for 15 months; 16.24% - 26.24% variable APR after that; 3% fee on the amounts transferred within the first 15 months • No foreign transaction fee • No annual fee |
AARP Credit Card $100 Bonus Cash Back
Take advantage of the $100 bonus cash back offer. To qualify, charge at least $500 to your card within the first 3 months of opening your account.
This is just an okay bonus compared to other cards with no annual fee.
Here are some ideas on meeting the spending requirement:
• Plastiq - Using Plastiq allows you to pay for your personal expenses such as rent, tuition, mortgage, auto lease etc. Although they charge a 2.5% processing fee for using your credit card, this will contribute to the card bonus that you will receive. There is also a referral program that allows you to earn "Free-Free Dollars" that goes towards processing fees as well. • Funding Checking Accounts - When it comes to funding a checking account, opening your initial deposit with a credit card is the usual way to go about it. However, if you want to have more opportunities, you should open a checking account that offers a sign-up bonus. This allows you to work towards bonuses from not one but two different sources instead. Banks like Chase, Huntington Bank, TD Bank and BBVA offers credit card funding, and for your opening deposit, you can often fund anywhere from $50-$1000 with a credit card, depending on the bank. • Gift Card Purchases With Using a Credit Card - Another way to acquire the bonus is using your credit card to purchase gift cards. Buying a a gift card or an individual merchant card typically do not require a purchase fee and are used towards leisure, so gift cards are ideal. However, gift cards such as a Visa or American Express do incur purchase fees because they can be spent anywhere, but gift cards that are specifically for a certain online shopping site such as Amazon or eBay don't. As for a Citi Credit Card, you should call customer service and ask them to lower your Cash Advance limit to $0 before making any purchases because Citi tends to read gift card purchases as a Cash Advance. Ideally, you should do this with any card just to be safe. Lastly, there is such thing as a discounted gift card which can be purchased on Raise or eBay. If you use a credit card often for everyday purchases, it can build your credit score that will contribute towards paying for things such as bills and taxes. |
AARP Credit Card Perks
Not only will you earn rewards with the AARP card, you’ll also take part in doing good as well. Each time you charge your restaurant purchase to your card, Chase will donate $0.10 to the AARP Foundation in support of Drive to End Hunger.
The purpose of this initiative is to:
- Raise awareness about the problem of food insecurity among older adults
- Meet the immediate food needs of hungry seniors
- Work to establish permanent solutions to end senior hunger
Chase has since helped to raise over $8.7 million since 2011 – the equivalent of 3.2 million meals.
The rewards you earn on the AARP card come in the form of points. These can be traded in for:
- Cash. Get it as a direct deposit to a checking or savings account or as statement credit to your AARP credit card.
- Gift cards. Restaurants, clothing, movies, music and more. Starting at 500 points, which equals $5.
- Travel. Flights, hotel stays, cruises and car rentals from Chase Travel Center. There are no blackout dates or restrictions.
- AARP membership. Join or renew for yourself or someone you know.
Bottom Line
If you are looking for a card for cash back with no annual fee, consider the AARP® Credit Card for your everyday use. You might be interested in the sign up bonus, benefits, and more.
There is a sign up bonus of $100 cash back after you spend $500 on purchases in the first 3 months from account opening. Keep in mind that there is no annual fee and no expiration on your points so you don't have to worry. For more credit cards, see our latest list of the best credit card bonuses and more Chase Promotions, here on HMB!
(Visit Chase for more details)
What’s The Competition?
Below are some good alternatives to the AARP credit card you should consider.
Top Cash Back Cards For Category Spending
For higher rewards on select category spending, consider these cards:
- Chase Freedom (categories rotate quarterly)
- Capital One SavorOne Cash Rewards Credit Card
- Blue Cash Everyday Card from American Express
 • Earn a $150 Bonus after you spend $500 on purchases in your first 3 months from account opening • Earn 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. Enjoy new 5% categories each quarter! • Unlimited 1% cash back on all other purchases - it's automatic • 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 17.24-25.99%. • 3% intro balance transfer fee when you transfer a balance during the first 60 days your account is open, with a minimum of $5. • No annual fee • Cash Back rewards do not expire as long as your account is open and there is no minimum to redeem for cash back. • Free credit score, updated weekly with Credit JourneySM |
With the Capital One® SavorOneSM Cash Rewards Credit Card: • Earn a one-time $150 cash bonus after you spend $500 on purchases within the first 3 months from account opening • Earn unlimited 3% cash back on dining and entertainment, 2% at grocery stores and 1% on all other purchases • No rotating categories or sign-ups needed to earn cash rewards; plus cash back won't expire for the life of the account and there's no limit to how much you can earn • 0% intro APR on purchases for 15 months; 16.24% - 26.24% variable APR after that • 0% intro APR on balance transfers for 15 months; 16.24% - 26.24% variable APR after that; 3% fee on the amounts transferred within the first 15 months • No foreign transaction fee • No annual fee |
 With the Blue Cash Everyday® Card from American Express: • Earn a $150 statement credit after you spend $1,000 in purchases on your new Card within the first 3 months. • 3% Cash Back at U.S. supermarkets (on up to $6,000 per year in purchases, then 1%). • 2% Cash Back at U.S. gas stations and at select U.S. department stores, 1% back on other purchases. • Low intro APR: 0% for 15 months on purchases and balance transfers, then a variable rate, currently 15.24% to 26.24%. • You spoke, we listened. Over 1.6 million more places in the U.S. started accepting American Express® Cards in 2018. • Cash back is received in the form of Reward Dollars that can be easily redeemed for statement credits, gift cards, and merchandise. • No annual fee. • Terms Apply. • See Rates & Fees |
Cash Back Cards For Flat-Rate Rewards
If you prefer to earn a flat-rate on all purchases, here are some popular choices:
- Chase Freedom Unlimited
- Capital One Quicksilver Cash Rewards Credit Card
- American Express Cash Magnet Card
 With the Chase Freedom Unlimited® Card: • New Offer! Double Cash Back: Earn 3% cash back on all purchases in your first year up to $20,000 spent. After that earn unlimited 1.5% cash back on all purchases. • 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 17.24-25.99%. Balance transfer fee is 3% of the amount transferred, $5 minimum • No minimum to redeem for cash back • Cash Back rewards do not expire as long as your account is open • Free credit score, updated weekly with Credit JourneySM • No annual fee |
 With the Capital One® Quicksilver® Cash Rewards Card: -One-time $150 cash bonus after you spend $500 on purchases within 3 months from account opening -Earn unlimited 1.5% cash back on every purchase, every day -No rotating categories or sign-ups needed to earn cash rewards; plus, cash back won't expire for the life of the account and there's no limit to how much you can earn -0% intro APR on purchases for 15 months; 16.24%-26.24% variable APR after that -0% intro APR on balance transfers for 15 months; 16.24%-26.24% variable APR after that; 3% fee on the amounts transferred within the first 15 months -Pay no annual fee or foreign transaction fees |
 With the American Express Cash Magnet® Card: • Earn a $150 statement credit after you spend $1,000 or more in purchases with your new Card within the first 3 months of Card Membership. • Unlimited 1.5% Cash Back on your purchases. • Cash Back is received in the form of Reward Dollars that can be easily redeemed for statement credits, gift cards, and merchandise. • Low intro APR: 0% for 15 months on purchases and balance transfers, then a variable rate, currently 15.24% to 26.24%. • $0 plan fees for plans set up during your first 15 months of Card Membership with Plan It®, a feature that lets you split up big purchases into monthly payments with a fixed fee. • You spoke, we listened. Over 1.6 million more places in the U.S. started accepting American Express® Cards in 2018. • No Annual Fee. • Terms Apply. • See Rates & Fees |
| PROMOTIONAL LINK | OFFER | REVIEW |
| Chase Ink Business PreferredSM Card | 80,000 Points | Review |
| Chase Sapphire Preferred® Card | 60,000 Points | Review |
| Chase Ink Business UnlimitedSM Credit Card | $500 Cash | Review |
| Chase Ink Business CashSM Card | $500 Cash | Review |
| Chase Freedom® | $150 Cash | Review |
| Chase Freedom Unlimited® | 3% Cash Back | Review |
| UnitedSM Explorer Business Card | 50,000 Miles | Review |
| ABOC Platinum Rewards Mastercard® | $150 Cash | Review |
The editorial content on this page is not provided by any of the companies mentioned, and has not been reviewed, approved or otherwise endorsed by any of these entities. Opinions expressed here are author's alone.
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