Barclays
AARP® Travel Rewards Mastercard® from Barclays
Key Features
| Annual Fee | $0.00 |
| Sign-up Bonus | $100 Cash Back Bonus |
| Rewards Rate | 1%-3% Cash Back |
| Intro APR | 0% introductory APR for the first 15 billing cycles following each balance transfer that posts to your account within 45 days of account opening. |
| Regular APR | The variable APR is 20.49% to 29.99%, based on your creditworthiness and other factors. This APR will vary with the market based on the Prime Rate. After that (and for balance transfers that do not post within 45 days of account opening) your APR will be 20.49% to 29.99%, based on your creditworthiness and other factors. This APR will vary with the market based on the Prime Rate. 29.99%. This APR will vary with the market based on the Prime Rate. |
| Other Fees | Balance transfer – Either $5 or 5% of the amount of each transfer, whichever is greater. The minimum monthly interest charge will be $1.00. Cash advance fee: 5% (min. $10). Foreign transaction fee: 0%. |
| Network | Mastercard |
About this card
The AARP® Travel Rewards Mastercard® from Barclays receives an overall rating of 3.3 out of 5.0, placing it squarely in the 'Good' category. This card presents a compelling value proposition for a specific type of cardholder, primarily those who prioritize earning rewards on travel and dining without incurring an annual fee, and critically, who consistently pay their balance in full each month. The card shines with its 'Excellent' Rewards Rating (4.3), offering competitive cash back rates of 3% on travel and 2% on dining, along with an easily achievable $100 sign-up bonus and highly flexible redemption options. Its 'Excellent' Fees Rating (4.2) is also a significant strength, boasting no annual fee and, notably, zero foreign transaction fees, which is a major benefit for travelers. These aspects combine to make it a very attractive option for responsible spenders who frequently engage in these categories. However, a substantial drawback is its 'Poor' APR Rating (1.5). The regular variable APR range, from 20.49% to 29.99%, is considerably high, particularly the upper end, which is very expensive for a card targeting individuals with 'Good' credit. While it offers a 0% introductory APR on balance transfers, the long-term cost of carrying a balance on this card would quickly negate any rewards earned and erode its overall value. This high regular APR prevents the card from achieving an 'Excellent' overall rating, despite its other strong features. It is therefore crucial for cardholders to avoid carrying a balance to maximize the benefits of this card. For those who can manage their payments responsibly, this card offers substantial value; otherwise, the high interest rates pose a significant financial risk.
Pros & Cons
What's great
- No annual fee
- Intro APR period for balance transfers
- Generous sign-up bonus
- High rewards rate on travel and dining
- No foreign transaction fees
- Free credit score access
Things to consider
- High regular APR
- High balance transfer fee
What this card offers
Sign-up bonuses
- Earn a $100 Cash Back Bonus after spending $500 on purchases in the first 90 days of account opening.
Rewards
- Earn 3% Cash Back on Airfare, Hotel Stays and Car Rentals.
- Earn 2% Cash Back on eligible Restaurant purchases.
- Earn 1% Cash Back on all other purchases.
Other features
- There’s no limit to the amount of rewards you can earn, and they’ll never expire as long as your account is open and in good standing.
- Rewards can be redeemed for cash back, statement credits, AARP memberships, gift cards, and merchandise.
- You’ll never be responsible for unauthorized charges made on your account.
- 0% introductory APR for 15 months on balance transfers made within 45 days of account opening. After that, a variable APR will apply: 20.49% to 29.99%, based on your creditworthiness and other factors. There is a fee for balance transfers.
- Barclays will donate $10 to AARP Foundation for every new AARP-branded credit card account that's opened, plus 1% of all eligible electronic and telecommunications purchases made with the card, up to $1 million annually.
- No foreign transaction fees on international purchases.
- Get complimentary online access to your FICO® Credit Score.
Additional Notes
From April 1, 2026 all to March 31, 2027, Barclays Bank Delaware (Barclays) will donate $10 for every newly approved AARP-branded credit card from a Barclays account that is used within the first 90 days of account opening and 1% of all eligible electronic and telecommunications purchases made with the card to AARP Foundation, in support of efforts to increase social connection and financial well-being. Total maximum donation by Barclays is $1 million annually.