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AARP Credit Card from Chase Review

AARP Credit Card from Chase Review

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This article was last updated Oct 04, 2019. Terms and conditions may have changed. For the most accurate information, please consult the issuer website.

If you’re looking to earn a good cashback rate at restaurants and gas stations, the AARP® Credit Card from Chase could be exactly what you need — and the great thing is that you can apply for it whether or not you’re an AARP member. Plus, the annual fee is $0.

This card is issued by Chase, so you should know your Chase 5/24 status before applying. If you’ve been approved for five or more credit cards (from any issuer) within the past two years, you probably won’t get approved for any card issued by Chase.

Now, let’s look at what the AARP® Credit Card from Chase has to offer and where it falls short.

In this article:

Where the AARP® Credit Card from Chase stands out

Cash back for restaurant and gas station spending. 3% cash back rewards on purchases at restaurants, 3% cash back rewards on purchases at gas stations, 1% cash back rewards on all other purchases.

Options for redeeming your rewards may include cash, an AARP membership, gift cards, travel and more. In most cases, each point will be worth $0.01 — or 100 points will equal $1. However, when you redeem for travel (including airline tickets, hotels, car rentals and cruises) by calling the Chase Travel Center at 855-234-2538, your rewards are worth about 10% more. According to the rewards program agreement, 100 points redeemed this way have a value of $1.12.

Additional AARP® Credit Card from Chase benefits

Sign-up bonus. Earn $100 bonus cash back after you spend $500 on purchases in the first 3 months from account opening. There are bigger bonuses available on other cards, but this one has a decent value and should be easy enough to earn if you put the bulk of your spending on this card within the first three months of opening the account.

Charitable donations. Whenever you make a purchase at a restaurant using the AARP® Credit Card from Chase , $0.10 will be donated to the AARP Foundation in support of the Drive to End Hunger.

Where the AARP® Credit Card from Chase falls short

Foreign transaction fee. Leave this card at home if you’re traveling outside the United States. It charges a foreign transaction fee of 3% of each transaction in U.S. dollars on each transaction.

Looking for a card with no foreign transaction fee? Check out our top picks here.

No 0% intro APR. Maybe you don’t need an intro 0% APR period if you’re not planning a big purchase or balance transfer. But there are competitive cashback cards on the market that offer an intro 0% APR on purchases, balance transfers or both.

Points can’t be transferred for Ultimate Rewards. If you pair a Chase card, such as the Chase Freedom Flex℠ or Chase Freedom Unlimited®, with either the Chase Sapphire Preferred® Card or the Chase Sapphire Reserve®, you can transfer rewards from the cashback card to either Sapphire card and then redeem for travel through the Chase Ultimate Rewards® portal, getting more value per point. Sadly, you can’t do that with the cash back you earn using the AARP® Credit Card from Chase .

No benefits specifically for seniors or AARP members. Even though this card is co-branded by Chase and AARP, there aren’t any rewards or perks specifically for seniors or AARP members, except for the ability to redeem cash back toward your AARP membership.

Compare it with the Capital One SavorOne Cash Rewards Credit Card

  • 3% Cash Back on dining; 3% Cash Back on entertainment; 2% Cash Back at grocery stores; 1% Cash Back on all other purchases

  • Earn a one-time $200 cash bonus after you spend $500 on purchases within the first 3 months from account opening

  • No minimums for redeeming and cash back won't expire for the life of the account

Highlights
  • Earn a one-time $200 cash bonus after you spend $500 on purchases within the first 3 months from account opening
  • Earn unlimited 3% cash back on dining and entertainment, 2% at grocery stores and 1% on all other purchases
  • No rotating categories or sign-ups needed to earn cash rewards; plus cash back won't expire for the life of the account and there's no limit to how much you can earn
  • 0% intro APR on purchases for 15 months; 15.49% - 25.49% variable APR after that
  • No foreign transaction fee
  • No annual fee

See additional details for Capital One SavorOne Cash Rewards Credit Card

More Info

Another card with a $0 annual fee that offers good rewards on restaurants is the Capital One SavorOne Cash Rewards Credit Card. Let’s see how the two stack up:

AARP® Credit Card from Chase Capital One SavorOne Cash Rewards Credit Card
Annual fee $0 $0
Regular purchase APR 17.99% to 24.74% Variable 15.49% - 25.49% (Variable)
Rewards 3% cash back rewards on purchases at restaurants, 3% cash back rewards on purchases at gas stations, 1% cash back rewards on all other purchases. 3% cash back on dining; 3% cash back on entertainment; 2% cash back at grocery stores; 1% cash back on all other purchases.
Sign-up bonus Earn $100 bonus cash back after you spend $500 on purchases in the first 3 months from account opening. Earn a one-time $200 cash bonus after you spend $500 on purchases within the first 3 months from account opening
Foreign transaction fee 3% of each transaction in U.S. dollars None

If you value cash back at the gas station, the AARP® Credit Card from Chase wins out. But if you feel cash back at the grocery store would be more helpful, you probably want the Capital One SavorOne Cash Rewards Credit Card. The Capital One SavorOne Cash Rewards Credit Card is also the better choice if traveling abroad, thanks to its foreign transaction fee of none.

For those looking for a higher cashback rate on dining, there’s also the Capital One® Savor® Cash Rewards Credit Card, with which cardholders earn unlimited 4% cash back on dining and entertainment, 2% at grocery stores and 1% on all other purchases. It charges an annual fee of $95.

The bottom line

For a card with a $0 annual fee, the AARP® Credit Card from Chase offers a good cashback rate at restaurants and gas stations. If you want a card that rewards you in those categories, this is a solid choice.

However, this is essentially a stand-alone card. Don’t assume that because it’s issued by Chase that it pairs with the Ultimate Rewards ecosystem in the way some other Chase cards do, because it doesn’t. If you want that capability, you should consider the rotating 5% Chase Freedom Flex℠ or the flat-rate Chase Freedom Unlimited®.

  • Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening.

  • 0% Intro APR on Purchases for 15 months

  • 14.99% - 23.74% Variable

Highlights
  • Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening.
  • Earn 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. Enjoy new 5% categories each quarter!
  • Earn 5% on travel purchased through Chase, 3% on dining at restaurants and drugstores, and 1% on all other purchases.
  • No annual fee.
  • 0% Intro APR for 15 months from account opening on purchases, then a variable APR of 14.99 - 23.74%.
  • No minimum to redeem for cash back. Cash Back rewards do not expire as long as your account is open.

See additional details for Chase Freedom Flex℠

More Info

Chase Freedom Unlimited®

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(138)
Apply Now

on Chase's secure site

  • 0% Intro APR for 15 months on purchases

  • Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening.

  • 14.99% - 23.74% Variable

Highlights
  • Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening.
  • Earn unlimited 1.5% cash back on all other purchases.
  • Earn 5% on travel purchased through Chase, 3% on dining at restaurants and drugstores, and 1.5% on all other purchases.
  • No annual fee
  • 0% Intro APR for 15 months from account opening on purchases, then a variable APR of 14.99 - 23.74%.
  • No minimum to redeem for cash back. Cash Back rewards do not expire as long as your account is open

See additional details for Chase Freedom Unlimited®

More Info

It’s also probably smart to note that if you don’t spend a lot on restaurants and fuel, you might get more out of a card like the Citi® Double Cash Card – 18 month BT offer, which lets you earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.

All that said, the AARP® Credit Card from Chase is good at what it does. It combines two popular spending categories, and is a worthy rival to similar cashback cards. But if you’re not sure it’s what you need, check out our guide on the best credit cards for restaurants for a wider range of options.

The information related to the AARP® Credit Card from Chase has been independently collected by CompareCards and has not been reviewed or provided by the issuer of this card prior to publication.


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