AARP Visa Credit Card Review

For AARP Members with Good Credit

AARP Visa Card Review
••• AARP

With the AARP Visa Card, you'll get 0-percent interest on purchases and balance transfers for the first year, and the card saves you money by charging no annual fee.

AARP, Inc., formerly the American Association of Retired Persons, is a United States-based non-partisan, non-profit membership group that supports social welfare, providing many resources and tools to the retirement community.

AARP Visa Card Details

Sign-up Bonus $100 back if you spend $500 in three months
Rewards Rate 1%-3%
Ongoing APR 18.49%-25.24%, based on your creditworthiness
Balance Transfer APR 18.49% to 25.24%, based on your creditworthiness
Balance Transfer Fee Either $5 or 3% of the amount of each transfer
Late Payment Fee Up to $15 if balance is less than $750; up to $35 if balance is $750 or more
Foreign Transaction Fee 3% of the amount of each transaction in U.S. dollars
This card has no annual fee, intro APR, or recommended credit score

Pros & Cons of AARP Visa Card

What We Like

  • 3% cash back at restaurants and gas stations

  • $100 sign-up bonus

  • No points limit

What We Don't Like

  • Must be AARP member

  • Meant for better credit scores

AARP Visa Card Sign-up Bonus

AARP Visa card holders get $100 back if they spend $500 withing the first three months of opening an account. This offer is not available to current or previous card holders.

Earning Points & Rewards

The AARP Visa Card comes with excellent rewards. You can earn 3% back at restaurants, 3% back at gas stations, and 1% back on everything else. Points are unlimited and do not expire as long as your account is open.

Redeeming Rewards

Points can be redeemed for cash, gift cards, or statement credits, or you can use them to pay your AARP membership. There's no cap on the number of points that you can earn in the program.

Each point translates to one cent, so 2,500 points can be redeemed for a $25 check, for example.

The following types of transactions won’t count and won’t earn points: balance transfers, cash advances and other cash-like transactions, lottery tickets, casino gaming chips, race track wagers or similar betting transactions, any checks that access your account, interest, unauthorized or fraudulent charges, and fees of any kind, including an annual fee.

AARP Visa Card Additional Fees

Returned Payment Fee Up to $35
Cash Advance APR 27.24%
Cash Advance Fee Either $10 or 5% of the amount of each transaction
This card has no penalty APR or overlimit fee

Is This Card Right For You?

This Visa card is designed for AARP members with fair to excellent credit (660+) who want a rich cash-back rewards card.

Being a member of AARP has many great benefits, especially when it comes to financial services. You can find great rates on life and property insurance, and the organization has many excellent loan products. The AARP Visa Card from Chase is another one of those benefits.

This card is a great deal, in keeping with all of the other good financial products AARP offers. This card offers a cash-back program that competes well with other top cash-back rewards cards such as the Bank of America Cash Rewards Visa Card.

Next Steps

To apply for the card, go to Chase Bank website.

Credit card pricing, terms, and rewards are subject to change. Check the card issuer's website for the latest credit card deals.