AARP VISA Card Review

Updated on Apr 01, 2016

*Editorial Note: This content is not provided or commissioned by the credit card issuer. Any opinions, analyses, reviews or recommendations expressed in this article are those of the author’s alone, and may not have been reviewed, approved or otherwise endorsed by the credit card issuer. This site may be compensated through a credit card issuer partnership.

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Membership with the AARP organization comes with plenty of benefits, and the nonprofit organization does a great deal to keep older Americans informed and educated about their consumer rights and options. AARP also partners with various businesses to provide financial products such as insurance and credit cards.

We looked deeper into the credit card AARP offers and found that there are two currently being offered; one is geared more towards the everyday spender, while the other is geared more towards the frequent traveler. Let’s take a look at what the two cards have to offer.

AARP Visa Card Features:

  • $100 Bonus Cash Back Sign-up Offer*
  • 3% Cash Back on bonus categories of spending
  • 1% Cash Back on all other purchases, every day
  • Earn unlimited cash back rewards
  • Flexible reward redemption options
  • Additional features like Purchase Protection and Extended Warranty Protection

What we Like:

The AARP VISA Card has lots to offer if you are in the market for some new plastic. For starters, Chase is currently offering a $100 cash back bonus for new customers. You need to spend at least $500 on the card during your first three months of card membership to earn the bonus. There is also an introductory 0% interest rate for purchases and balance transfers for the first 12 billing cycles. When the introductory rate expires the APR goes to 16.24% variable.

Unlike most rewards credit cards, there’s no annual fee to carry this card and there are no limits or expiration dates on your rewards.  Rewards can be redeemed for cash, gift cards with more than 75 retailers, travel, or merchandise. Rewards are accrued as points that are then redeemed for actual cash, and 1 point equals 1% or a penny. Those who qualify for the $100 Cash Back Bonus, for example, will be credited with 10,000 points, redeemable for a $100 check.

Two Versions of AARP VISA Rewards

As mentioned, the AARP VISA Card comes in two versions; one for those whoAARP chase card1 spend more on gasoline and restaurants, and another for people who are more interested in earning cash back from travel-related purchases. The difference between the two is in the bonus rewards category. The “travel rewards version” offers the most generous cash back in categories of expenses that will appeal to you if you are a frequent traveler.  You can earn 3% cash back rewards on all travel purchases earned by paying for flights, hotel stays, train tickets, car rentals, cruises, and even travel agency related purchases. The “everyday rewards version” offers 3% cash back on purchases at gas stations and on restaurant purchases.

The Somewhat Confusing Part

When I visited the Chase and AARP sites to learn more about this particular card, I was a little perplexed by the naming of it. In one place it was referred to as the AARP VISA Rewards Card, and in another it was called the AARP VISA Signature Card.The information about the differently named cards and the picture of the plastic displayed next to them was, in fact, the same. For all practical purposes it appears that the AARP VISA Signature is the same as the AARP VISA Rewards card.

The Bottom Line

The AARP VISA Rewards Card is a solid contender backed by Chase, which is one of the best credit card issuers available. Those who are 50 or older and want to earn cash back by frequently spending money at gas stations and restaurants, or on travel, should definitely check out these cash back credit cards.

If you’re simply focused on getting the most robust cash back rewards possible, however, don’t limit yourself to just one card. Use the handy card comparison tools and helpful reviews found on this site to see how each one of them stacks up in terms of perks and cash-back possibilities.

For more information or to apply for the card, visit the Chase website or the AARP page devoted to the card. To learn more about AARP or to enroll as an AARP member, visit the organization’s official site.  If you have a question about any version of the AARP Rewards Card just call Chase at 1-800-283-1211 and confirm your eligibility. That number puts you in touch with the Chase AARP Card customer service department. The voicemail will ask for your current account information, but if you do not yet have an account with Chase just hold the line until the voicemail connects you to a real person. By the way, Chase has one of the best reputations in the industry for being extremely responsive to their customers and providing superior service – that has always been my experience whenever I have called Chase.



* Editorial Note: This content is not provided or commissioned by the credit card issuer. Opinions expressed here are the author’s alone, not those of the credit card issuer, and have not been reviewed, approved or otherwise endorsed by the credit card issuer. This site may be compensated through the credit card issuer Affiliate Program.

*The content in this article is accurate at the publishing date, and may be subject to changes per the card issuer.

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