AARP® Credit Card from Chase review
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.
Up to 3%
16.24% to 22.99%
Purchase APR (variable)
|Product Name||AARP® Credit Card from Chase|
|Purchase APR||16.24% to 22.99% variable|
|Balance transfer APR||16.24% to 22.99% variable|
|Balance transfer fee||$5 or 3% of the transaction, whichever is greater|
|Cash advance rate||24.99% variable|
|Cash advance fee||$10 or 5% of the cash advance amount, whichever is greater|
|Foreign transaction fee||3% of the transaction value|
|Interest free period||Up to 25 days|
|Late payment fee||Up to $35|
|Returned payment fee||Up to $35|
|Additional cardholder fee||$0|
|Rates & fees||rates & fees|
Kevin Joey Chen is a credit cards, banking and investments writer whose work and analysis have appeared on CNN, U.S. News & World Report, Business.com, Lifehacker and CreditCards.com. He's passionate about helping you get your finances in order by expertly navigating cutting-edge financial tools — including credit cards, apps and budgeting software.
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.
How to apply for the AARP® Credit Card from Chase
- Go to the Chase website and click Apply now.
- Complete the application with your name, address, annual income, Social Security number and business information.
- 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 seven to 10 days.
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?
Signup bonus: $100 cash back.
After you spend $500 on purchases in the first 3 months, you’ll earn a bonus worth $100 in 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 many 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 …
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 22.99% variable. Check your terms and conditions to see your interest rate.
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.
Compare cashback cards
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.
AARP® Credit Card from Chase reviews and complaints.
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 Credit Card is not accredited with the Better Business Bureau but it has an A+ rating and a composite score of 1.18 out of 5 stars based on 229 customer reviews as of October 2020. Most customer complaints revolve around poor customer service and hidden costs Chase credit cards in general. Make sure you read your card’s terms and the rewards agreement to avoid issues with your account.
As of October 2020, Chase earns a Trustpilot score of 1.3 out of 5. Most negative reviews cite slow responses to fraud complaints and less-than-helpful customer service. Positive reviews cite the bank’s great mobile app and quick resolutions to their issues. Overall, your mileage may vary with Chase customer support.
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.
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.
Late and returned payments come with hefty fees of up to $35. Balance transfers, cash advances and foreign transactions also come with fees.
If you have questions, contact Chase support at 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.
The AARP® Credit Card from Chase is a great choice if you frequently spend on gas and dining.
However, if you spend less in these categories, consider other cashback credit cards to maximize your rewards.