The AARP® Credit Card is built for someone who wants simple cash-back style rewards on two familiar everyday categories: dining and gas. It works best as a no-annual-fee spending card for regular errands and meals out, not as a travel card or a premium all-in-one option.
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Opinions, reviews, analyses & recommendations are MaxRewards' alone, and have not been reviewed, endorsed or approved by any of these entities.
Overview
Restaurant spending
Gas station purchases
No-fee everyday use
This card is worth a look if a big share of your monthly spending goes to restaurants and gas stations and you want a straightforward no-annual-fee card. Earning 3% in both categories is solid for a card that does not charge an annual fee, and the welcome bonus is easy to earn with just $500 in spending.
The tradeoff is that the card is fairly narrow. Outside of dining and gas, it only earns 1%, and there are no notable side benefits to help it stand out. The 3% foreign transaction fee also makes it a poor fit for international travel. For the right spender, this is a simple category card that can pull its weight, but most people will want to pair it with a stronger everyday card for everything else.
A good fit for cardholders who spend consistently on dining and gas and want uncomplicated rewards with no annual fee. Its main limitation is simple: once you leave those two categories, the card is pretty ordinary.
Welcome Offer
after you spend $500 on purchases on your new card in your first 3 months of card membership.
Est. Value
$100
Required Spend
$500
Time Frame
3 Months
Est. Value
$100
Required Spend
$500
Time Frame
3 Months
Earning
The rewards setup here is easy to follow. You get elevated earnings on dining and gas, then a standard 1% back in points on everything else, so the card makes the most sense when those two categories are a regular part of your budget.
Dining
Gas
Everywhere
Rewards percent based on a valuation of 1¢ per AARP point
Eligibility
Excellent credit or higher is recommended for this card.
Credit approval is not guaranteed. Meeting the recommended credit range does not ensure approval, and applicants with lower scores may still be considered.
Pricing
Annual Fee
$0
Purchase APR
16.24% - 22.99%
Variable
Transfer APR
16.24% - 22.99%
Variable
Cash Advance APR
24.99%
Variable
Foreign Transaction Fee
$0.03
Balance Transfer
$5
Cash Advance
$10
Late Payment
$15
Return Payment
$35
Opinions, reviews, analyses & recommendations are MaxRewards' alone, and have not been reviewed, endorsed or approved by any of these entities.
Earn 200,000 bonus points
Worth $3,000
After you spend $30,000 on purchases in your first 6 months from account opening and access more than $7,000 in total business and travel value in your first year.
Annual Fee
$795
Rec. Credit
Good
Earn 100,000 bonus points
Worth $1,500
After you spend $6,000 on purchases in the first 3 months from account opening.
Annual Fee
$795
Rec. Credit
Excellent
Earn 100,000 bonus points
Worth $1,500
After you spend $8,000 on purchases in the first 3 months from account opening.
Annual Fee
$95
Rec. Credit
Good
