Credit Cards

How To Use AARP Points

By David Krug David Krug is the CEO & President of Bankovia. He's a lifelong expat who has lived in the Philippines, Mexico, Thailand, and Colombia. When he's not reading about cryptocurrencies, he's researching the latest personal finance software. 3 minute read

Any qualified applicant who wishes to earn rich rewards and donate to charity can use this special no-annual-fee credit card, which is not only for seniors. Cashback credit cards can provide significant advantages to thrifty consumers. Every time you make a purchase, you’ll get an additional cashback return that you can redeem for travel, gift cards, and more. 3 percent cash back at petrol stations and restaurants, and 1 percent on all other transactions, is what you get with the Chase AARP Credit Card.

A deeper look at the one and only AARP-branded credit card on the market will help you determine if it’s a suitable fit for you.

Is the AARP Credit Card right for you?

Non-profit AARP works to improve the quality of life for those 50 and older in the United States. It’s for this reason that the AARP Credit Card was developed to provide AARP members with unique perks and incentives.

To apply for the AARP Credit Card, you don’t need to be over the age of 50, but you do need to be an AARP member. Furthermore, membership in the AARP is not required. The rewards program and other perks associated with this card are open to anybody who qualifies. The AARP alliance offers two additional bonuses in addition to the cashback, which may be of interest to those who want to earn rewards on their routine purchases.

You may use your cashback earnings to join or renew AARP or to purchase gift cards and cash deposits. AARP memberships can be given to others as a reward. You’ll also be able to give 10 cents to the AARP Foundation’s Drive to End Hunger for every restaurant purchase you make with your AARP Credit Card.

While everyone may profit from the AARP Credit Card’s points earning potential, existing and prospective AARP members will most likely want to take advantage of the card’s AARP advantages.

Benefits and perks

Some of the top features and perks of the AARP Credit Card include:

  • Welcome gifts in the form of After spending $500 in the first three months, you will receive $100 in cashback.
  • There is no yearly cost. With a $0 annual charge, it’s easier to focus on accumulating incentives than recouping a yearly expense.
  • All other purchases get 1% in cashback incentives, but you may earn up to 3% back at petrol stations and restaurants.
  • Choices for atonement abound. Rewards can be exchanged for direct payments into qualified bank accounts, statement credits, gift cards, flights, and hotel stays, as well as a variety of other options. Redeeming incentives for AARP membership is also an option.
  • Your qualified new purchases are secured against damage or theft for up to $500 per claim and $50,000 per account with purchase protection from Chase.
  • Extended warranty coverage. Purchases qualified for extended warranties receive an additional year of protection.
  • Chase will pay 10 cents to the AARP Foundation’s Drive to End Hunger program every time you use your qualifying card to make a restaurant transaction.

Drawbacks

  • In spite of being issued by Chase, the AARP Credit Card does not award Chase Ultimate Rewards points. Chase’s travel site and transfer partners will no longer be available to you, but you may still redeem your cashback points for travel.
  • Be mindful of the 3% international transaction charge if you plan on using this card while traveling. As a result, any purchases made outside of the United States are subject to a considerable additional fee.
  • This card does not provide an initial balance transfer deal, thus it would not be a good option for a balance transfer.

Is the AARP Credit Card a good deal?

Due to its $0 annual fee and great 3 percent rewards rate in common categories like gas stations and restaurants, the AARP Credit Card may be a decent option for the majority of consumers.” Redeeming cashback credits for your AARP membership renewal is also a benefit for members. No matter how much money you spend at gas stations and restaurants, or how much you benefit from AARP membership, this card may not be ideal for you.

Does AARP have a credit card?

There is just one credit card bearing the AARP logo, and it is issued by Chase. It’s a product of Chase’s collaboration with AARP.

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