Finder is committed to editorial independence. While we receive compensation when you click links to partners, they do not influence our opinions or reviews. Learn how we make money.

AARP® Credit Card from Chase review

Last updated:  

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.

$100

Welcome offer

Up to 3%

Cash back

$0

Annual fee

16.24% to 22.99%

Purchase APR (variable)

Details

Product NameAARP® Credit Card from Chase
Card typeVisa
Annual fee$0
Purchase APR16.24% to 22.99% variable
Balance transfer APR16.24% to 22.99% variable
Balance transfer fee$5 or 3% of the transaction, whichever is greater
Cash advance rate26.49% 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
Late payment feeUp to $35
Returned payment feeUp to $35
Additional cardholder fee$0
Rates & feesrates & fees

Expert review

Kevin Joey Chen

Review by


Kevin Joey Chen is a credit cards writer whose work and analysis have appeared on CNN, U.S. News & World Report, The Dallas Morning News, Lifehacker and CreditCards.com. He's passionate about helping you get your finances in order and expertly navigate the cutting-edge financial tools available -- including credit cards, apps and budgeting software.

Expert review

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.

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?

A man and a few women organizing food in boxes
The AARP’s Drive to End Hunger aims to reduce hunger among the more than 10 million seniors aged 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.
  • 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 …

  • 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 22.99% 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.

Compare cashback cards

Name Product Filter values Rewards Purchase APR Annual fee
TD Cash Credit Card
3% on dining, 2% at grocery stores and 1% on all other eligible purchases
0% intro for the first 15 billing cycles (then 12.99%, 17.99% or 22.99% variable)
$0
3% on dining and 2% on groceries make this a valuable card for food purchases. Use it while traveling, too, with no foreign transaction fees. Available in: CT, DC, DE, FL, MA, MD, ME, NC, NH, NJ, NY, PA, RI, SC, VA, VT
CardMatch™ from creditcards.com
See terms
See issuer's website
See terms
Use the CardMatch tool to find cards you're likely to qualify for with your credit score, without a hard pull on your credit.
Credit One Bank® Unsecured Visa® with Cash Back Rewards
1% cash back on all purchases or in categories based on Credit One Bank’s discretion
17.99% to 23.99% variable
$0 to $99
Earn 1% cash back on all purchases or in categories based on Credit One Bank’s discretion.
Credit One Bank® Unsecured Visa® for Rebuilding Credit
1% cash back on all purchases on eligible purchases
17.99% to 23.99% variable
$0 to $99
Earn 1% cash back on all purchases or in categories based on Credit One Bank’s discretion.
Credit One Bank® Visa® with Free Credit Score Access
1% cash back on all purchases or in categories based on Credit One Bank’s discretion
17.99% to 23.99% variable
$0 to $99
Get 1% cash back on all purchases or in categories based on Credit One Bank’s discretion.
loading

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 seven to 10 days.

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 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 spend less in these categories, consider other cashback credit cards to maximize your rewards.

Frequently asked questions

Ask an expert

You are about to post a question on finder.com:

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • finder.com is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked

Finder only provides general advice and factual information, so consider your own circumstances, or seek advice before you decide to act on our content. By submitting a question, you're accepting our finder.com Terms of Use and Privacy and Cookies Policy.

4 Comments

  1. Default Gravatar
    george
    September 27, 2018

    how do i apply

    • Default Gravatar
      joelmarcelo
      September 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
    Sadradin
    September 8, 2018

    How should I apply for the card?

    • Avatarfinder Customer Care
      Joanne
      September 8, 2018

      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

Go to site