The AARP® Essential Rewards Mastercard® from Barclays is a credit card tailored to meet the financial needs and lifestyle preferences of AARP members. This co-branded credit card is designed to offer an array of benefits, from cashback rewards to exclusive perks, making it a valuable addition to the wallets of those affiliated with the American Association of Retired Persons (AARP).
As a Mastercard, this credit card is widely accepted globally, providing cardholders with the convenience of making purchases wherever Mastercard is recognized. Barclays, a reputable financial institution, issues and manages this credit card, ensuring a reliable and secure financial experience for cardholders.
AARP® Essential Rewards Mastercard®
Welcome Bonus
Earn a $100 Cash Back Bonus
After spending $500 on purchases in the first 90 days
Annual Fee
$0
Annual Rewards
Unlimited 3% cash back on Gas and Drug Store purchases (excluding Target® and Walmart®)
1% on all other purchases
Rewards on Approval
N/A
Interest rates
Purchase Rates
21.99%
Cash Advance Rates
29.99%
Balance Transfer Rates
21.99%
Table of Contents
AARP® Essential Rewards Mastercard®
The AARP® Essential Rewards Mastercard® is a credit card that caters specifically to AARP members, offering a range of rewards and benefits for everyday spending. Issued by Barclays, this card is designed to provide a seamless and secure financial experience.
Pros
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Rewarding Everyday Spending: Earn rewards on everyday purchases, allowing cardholders to maximize their benefits through regular expenditures.
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Cashback Opportunities: The card offers cashback on qualifying purchases, providing a tangible and straightforward way to earn rewards.
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Exclusive AARP Benefits: Cardholders gain access to exclusive AARP member benefits, enhancing the overall value of the credit card.
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Global Acceptance: Being a Mastercard, the AARP® Essential Rewards card is widely accepted worldwide, providing convenience for international travelers.
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Secure and Reliable: Issued by Barclays, a reputable financial institution, the card offers a secure and reliable financial experience.
Cons
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Membership Requirement: As a co-branded card, eligibility is limited to AARP members, potentially excluding individuals who do not meet this criterion.
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Potential for High APR: Depending on individual creditworthiness, the APR for this card may be relatively high, impacting the cost of carrying a balance.
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Limited Specialty Rewards: While the card is strong for everyday spending, it may not offer specialized rewards for specific categories such as travel or dining.
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Foreign Transaction Fees: Cardholders may incur fees when using the card for transactions in foreign currencies, impacting the cost-effectiveness of international spending.
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Not Ideal for Balance Transfers: The card may not be the best choice for those looking to transfer high-interest balances, as it may not offer competitive balance transfer terms.
Details & Eligibility
- N/A
- N/A
- N/A
- $0
- N/A
- Mastercard
- No
- 21.99%
- 29.99%
- 21.99%
- N/A
- N/A
- N/A
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