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The AARP® Essential Rewards Mastercard® from Barclays is a rewards card designed for those who spend a lot on medical expenses, as this is one of the few cards that offers cash back on medical purchases. On the other hand, there are a lot of cards that pay 2% cash back on everything, including medical expenses. You don't need to be a member of AARP to apply for the card. However, Barclays donates 1% of all purchases to the AARP as well as $10 for every new account.
This card also earns elevated cash back on drugstore purchases (excluding Target and Walmart) and on gas. You get 0% intro APR on balance transfers for the first 15 months billing cycles; however, this does incur a balance transfer fee. There aren't many other benefits. We dive into the details and your approval odds in this AARP Rewards card review.
Earn $100 cash back
0% on Purchases
1% to 3% cash back
0% on Balance Transfers
Welcome OfferEarn a $100 Cash Back Bonus after spending $500 on purchases in the first 90 days.
Features & Benefits
|Security||EMV Chip Enabled, Zero Liability|
|Contactless Payments||Apple Pay, Google Pay, Samsung Pay|
|Benefits||Free credit score access, 24/7 customer service|
Interest Rates & Fees
|Foreign Transaction Fee||3% of each transaction in U.S. dollars.|
|Regular APR||21.99%, 25.99% or 29.99% (V) APR|
|Balance Transfers||0% Intro APR for 15 months on balance transfers, then 21.99%, 25.99% or 29.99%(V) APR after that.|
|Balance Transfer Fee||Either $5 or 5% of the amount of each transfer, whichever is greater.|
What Credit Score Is Required to Get the AARP® Essential Rewards Mastercard® from Barclays
The following credit score data are based on publicly available information we have collected from various forums. We have no way to confirm the accuracy of this data. In addition, keep in mind that credit card issuers use a number of factors in their underwriting process, and these factors can change at any time.
|App Status||Date||Credit Score||Bureau||Credit Limit|
- Welcome offer
- No annual fee
- up to 3% cash back
- High APR
- Foreign transaction fee
- Requires good credit
What Are the Best Alternatives?
Wells Fargo Active Cash® Card
Alliant Cashback Visa® Signature Credit Card
Chase Freedom Unlimited®
1.5% - 5%