Is AARP® Credit Card from Chase worth it? | August 2018

Review: AARP® Credit Card from Chase – August 2018

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

  • Get this card if… you spend a lot on gas and eating out.
  • Pick something else if…you don’t spend much on gas or dining.
  • Recommended good to excellent credit score of 680 to 850.
Product NameAARP® Credit Card from Chase
Card TypeVisa
Annual Fee$0
APR (Annual Percentage Rate) for Purchases17.99% to 24.74% variable
Balance Transfer Fee3% or $5 of the transaction, whichever is greater
Cash Advance Rate26.74% variable
Cash Advance Fee$10 or 5% of the cash advance amount, whichever is greater
Foreign Transaction Fee3% of the transaction value
Interest Free PeriodUp to 25 days
Minimum Interest$0
Late Payment Fee$35
Returned Payment Fee$35
Additional Cardholder Fee$0
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. Key is the card’s 3% cash back at restaurants and gas stations, which is an excellent rewards rate.

If your spending is dispersed evenly throughout different categories, you might want to pick a different card. Three percent cash back is great when you can get it, but the AARP® Credit Card from Chase offers only 1% cash back on purchases outside of gas and dining. For varied spending, other credit cards like the Citi® Double Cash Card and Chase Freedom Unlimited® credit card offer more consistent (and lucrative) cash back.

If you go with the AARP® Credit Card from Chase, though, you’ll like that it comes with no annual fee. And you can easily qualify for its signup bonus: $100 cash back after you spend just $500 in the first three months.

The perks

  • SIGNUP BONUS: $100 cash back.
    After you spend $500 on purchases in the first three months, you’ll earn $100 cash back. This signup bonus is distributed as 10,000 points, which you can redeem for $100 cash back. You’ll receive the points in your account six to eight weeks after you qualify.
  • CASH BACK: More cash back on dining and gas.
    Earn 3% cash back at restaurants and gas stations; earn 1% cash back on everything else. You can earn unlimited cash back, and your rewards never expire.
  • No annual fee.
    Pay no fee to use this card year after year.

How can I redeem my AARP rewards?

Choose to redeem your cash back through:

  • 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.

You’ll also like …

  • 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.

drive to end hunger AARP Credit Card

  • Purchase protection.
    Your new purchases are covered against damage and theft for 120 days. Also, get extended warranties for select items purchased with your card.

What to watch out for

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

Consider other cards if …

  • You want increased rewards for more categories.
    The AARP® Credit Card from Chase offers increased cash back for dining and gas. But if you spend heavily in other categories, consider a card that rewards you accordingly.
  • Your spending is distributed evenly across many categories.
    You may want to pick up a general cashback card like the Citi® Double Cash Card or Chase Freedom Unlimited® credit card.

What should I know before I apply?

To apply for the AARP® Credit Card from Chase, you must be at least 18 years old (or 19 in Alabama and Nebraska).

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 680 or higher.

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. Then 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.

Compare Chase credit cards

I got the card. Now what?

  • Make timely payments.
    Pay your credit card bill online at the Chase website, where you can also enroll in autopay.
  • Avoid interest.
    After the close of each billing cycle, you have a grace period of 25 days to pay your 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 and cash advances 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.

Bottom line

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

However, if you’re not doing that much spending on those two categories, weigh the differences between several other cash back credit cards so you can maximize rewards based on your spending.

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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