AARP Credit Card from Chase review | finder.com

AARP® Credit Card from Chase review – December 2018

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AARP® Credit Card from Chase

An excellent card if you spend big on fuel and dining.

  • Get this card if you spend heavily at gas stations and restaurants.
  • Pick something else if you want elevated rewards for more varied categories.
  • Apply with a good to excellent credit score of 670 or higher.
Product NameAARP® Credit Card from Chase
Card TypeVisa
Annual Fee$0
APR (Annual Percentage Rate) for Purchases18.24% to 24.99% variable
Balance Transfer APR18.24% to 24.99% variable
Balance Transfer Fee$5 or 3% of the transaction, whichever is greater
Cash Advance Rate26.99% variable
Foreign Transaction Fee3% of the transaction value
Cash Advance Fee$10 or 5% of the cash advance amount, whichever is greater
Interest Free PeriodUp to 25 days
Late Payment Fee$35
Returned Payment Fee$35
Additional Cardholder Fee$0
Rates & FeesRates & Fees
Minimum Age18 years of age

The basics

The AARP® Credit Card from Chase is for a specific type of spender: one who eats out regularly and spends a lot on gas. If that’s you, you’ll find the card offers excellent rewards. Consider applying for it if you’d like to support the AARP, as Chase will make a donation to the organization each time you use your card at a restaurant.

An alternative cashback card: Blue Cash Everyday® Card from American Express

  • $150 statement credit after you spend $1,000 in purchases on your new Card within the first 3 months.
  • 3% cash back at U.S. supermarkets (on up to $6,000 per year in purchases, then 1%).
  • 2% cash back at U.S. gas stations and at select U.S. department stores, 1% back on other purchases.
  • Low intro APR: 0% for 15 months on purchases and balance transfers, then a variable rate, currently 14.99% to 25.99%.
  • Over 1.5 million more places in the U.S. started accepting American Express® Cards in 2017.
  • Cash back is received in the form of Reward Dollars that can be easily redeemed for statement credits, gift cards, and merchandise.
  • No annual fee.
  • Terms Apply.
  • See Rates & Fees
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The perks

  • Annual fee: None.

    A good deal considering the card offers excellent rewards on dining and gas.

  • Donations to Drive to End Hunger.

    Each time you use your AARP® Credit Card from Chase at a restaurant, Chase donates $0.10 to the AARP’s Drive to End Hunger.

What is AARP’s Drive to End Hunger campaign?

The AARP’s Drive to End Hunger aims to reduce hunger among the more than 10 million seniors ages 50 and older who are at risk every day. It also raises awareness about seniors’ struggles with food insecurity and other hunger-related health issues.

A man and a few women organizing food in boxes

  • Signup bonus: $100 cash back.

    After you spend $500 on purchases in the first three months, you’ll earn 10,000 points that you can redeem for $100 cash back.

    You’ll find better signup bonuses with other cards — typically $150 and up — but this one is relatively easy to qualify for.

  • Rewards: More cash back on dining and gas.

    Earn 3% cash back at restaurants and gas stations. That’s an excellent rate, especially since your earnings aren’t capped. Earn 1% cash back on everything else.

How much cash back rewards can I earn with this card?

Here’s how much cash back you might earn based on this hypothetical annual budget:

  • $5,000 on restaurants x 3% = $150
  • $2,500 on gas x 3% = $75
  • $3,000 on other expenses x 1% = $30

Over the year, you’d earn $255 cash back.

You’ll also like …

  • Purchase protection.

    Your new purchases are covered against damage and theft within 120 days of the purchase date. Also, get extended warranties for select items purchased with your card.

  • No overlimit or returned-payment fees.

    You won’t incur a fee for exceeding your credit limit or making a payment that’s returned.

What to watch out for

  • High upper APR range.

    If you have shakier credit, you may receive a purchase and balance transfer APR as high as 24.74% variable. Check your terms and conditions to see your interest rate.

  • Fees.

    Making late or returned payments could result in fees as high as $35. You’ll incur fees for balance transfers, cash advances and foreign transactions.

Consider other cards if …

  • You want elevated rewards for more categories.

    The AARP® Credit Card from Chase offers elevated cash back for dining and gas. But if you spend heavily in other categories, consider a card that rewards you accordingly. For example, the excellent Costco Anywhere Visa® Card by Citi offers elevated rewards for gas, dining, travel and Costco purchases. And the Savor® Rewards from Capital One® offers elevated rewards on dining, entertainment and groceries.

  • Your spending is distributed evenly across many categories.
    You may want a general cashback product like the Citi® Double Cash Card or Chase Freedom Unlimited®. Each offers flat-rate cash back, so you’ll receive strong rewards on all purchases.

Compare cashback cards

Name Product Filter values Annual Fee APR for Purchases (Purchase Rate) Intro APR for Balance Transfer
$0
16.99% to 25.74% variable
0% for the first 15 months (then 16.99% to 25.74% variable)
0% intro APR for 15 months from account opening on purchases and balance transfers.
$0
16.99% to 25.74% variable
0% for the first 15 months (then 16.99% to 25.74% variable)
0% intro APR for 15 months from account opening on purchases and balance transfers.
$95
14.99% to 25.99% variable
0% for the first 12 months (then 14.99% to 25.99% variable)
Earn $200 bonus cash back after you spend $1,000 on purchases in the first 3 months. Rates & Fees
$0
14.99% to 25.99% variable
0% for the first 15 months (then 14.99% to 25.99% variable)
Earn a $150 bonus statement credit after you spend $1,000 on purchases in the first 3 months. Rates & Fees
$0
14.99% to 25.99% variable
0% for the first 15 months (then 14.99% to 25.99% variable)
Earn up to $250 back. Earn $150 back after you spend $1,000 or more in purchases with your new card within the first 3 months of card membership. Plus, earn an additional $100 back after you spend an additional $6,500 in purchases within your first 12 months. Rates & Fees

Compare up to 4 providers

What should I know before I apply?

To apply for the AARP® Credit Card from Chase, you must be at least 18 years old. You must be at least 19 if you live in Alabama or Nebraska, and at least 21 if you live in Puerto Rico.

Information you’ll need

  • Your full name and contact information.
  • Your residential status.
  • Your annual income, source of income and employment information.
  • Your Social Security number and mother’s maiden name.

What credit score do I need?

You’ll have a better chance of approval for the AARP® Credit Card from Chase if you apply with a good to excellent credit score of 670 or higher.

What do customers say about the AARP® Credit Card from Chase?

Helpful cardholders point out you don’t need to be retired or an AARP member to get this card. Happy customers say they’re especially impressed by the card’s cash back for restaurants.

JPMorgan Chase & Co. is not accredited by the Better Business Bureau (BBB) and receives an F rating from the agency. The average of its customer reviews hovers above 1 out of 5 stars. It currently has over 2,500 customer complaints, many of which have been answered or resolved according to the BBB.

How to apply for the AARP® Credit Card from Chase

  1. Go to the Chase website and click Apply now.
  2. Complete the application with your name, address, annual income, Social Security number and business information.
  3. Review your application and submit it.

How long will it take to be approved?

Because conditional approval is automated on the Chase website, you’ll often get a decision immediately. In some cases, you’ll need to wait a few days to a few weeks to receive a response.

If you’re approved, you’ll likely receive your card in the mail within 7to 10 days.

Compare Chase credit cards

I got the card. Now what?

  • Make timely payments.

    Pay your credit card bill online at the Chase website. There, you can enroll in autopay, which may help you avoid late fees.

  • Avoid interest.

    After the close of each billing cycle, you have a grace period of 25 days to pay your balance if you started the billing cycle with a zero balance. If you do, you won’t pay interest on your purchases.

  • Avoid fees.

    Late and returned payments come with hefty fees of up to $35. Balance transfers, cash advances and foreign transactions also come with fees.

  • Customer service.

    If you have questions, contact Chase support at 1-800-432-3117, send a secured email from your account or connect on Twitter @ChaseSupport.

How can I redeem my AARP rewards?

On your Chase online account, you can redeem your rewards for:

  • A direct deposit into your checking or savings account.
  • A credit on your AARP® Credit Card from Chase statement.
  • Gift cards from brands like Amazon and Starbucks.
  • Travel — including flights, hotels, cruises and car rentals.

Bottom line

The AARP® Credit Card from Chase is a great choice if you frequently spend on gas and dining.

However, if you don’t spend much in these categories, consider other cashback credit cards to maximize your rewards.

Frequently asked questions

Kevin Joey Chen

Kevin Chen is a world-travelin', copy-writin', Game of Thrones-watchin' credit cards writer for finder.com. When he's not crunching the numbers on bonus points and comparing APRs, you can find him flying around the world in search of the perfect beer.

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4 Responses

  1. Default Gravatar
    georgeSeptember 27, 2018

    how do i apply

    • Default Gravatar
      joelmarceloSeptember 27, 2018

      Hi George,

      Thanks for leaving a question on finder.

      Applying to AARP Credit Card from Chase is very straight forward and can be achieved by going to the Chase Website.

      1. Go to the Chase website and click Apply Now.

      2. Complete the application with your name, address, annual income, Social Security number and business information. Then review your application and submit it.

      Because conditional approval is automated on the Chase website, you’ll often get a decision immediately. In some cases, you’ll need to wait a few days to a few weeks to receive a response.

      Please send me a message if you need anything else. :)

      Cheers,
      Joel

  2. Default Gravatar
    SadradinSeptember 8, 2018

    How should I apply for the card?

    • finder Customer Care
      JoanneSeptember 8, 2018Staff

      Hi Sadradin,

      Thanks for reaching out!

      To apply for a credit card, you may check the eligibility requirements of this card first to make sure that you qualify.

      Next is to:

      1. Go to the Chase website and click Apply Now.

      2. Complete the application with your name, address, annual income, Social Security number and business information. Then review your application and submit it.

      Please make sure though to read the eligibility criteria, features and details of the card, as well as the relevant PDS/ T&Cs of the card before making a decision and consider whether the product is right for you.

      Cheers!
      Joanne

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