Barclays
AARP® Travel Rewards Mastercard® from Barclays
Key Features
| Annual Fee | $0.00 |
| 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 20.24% 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 20.24% 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 earns an overall rating of 3.0. This assessment considers the card's strengths, such as its no annual fee, decent rewards on travel and dining, and a sign-up bonus. However, it's weighed down by a high APR range and limited rewards categories. The card's reputation is generally positive among its target audience (AARP members) but lacks excitement within the broader credit card enthusiast community. The value proposition is reasonable for those who can take advantage of the travel and dining rewards and avoid carrying a balance. The individual ratings reflect these factors: the APR is poor, the rewards are good, and the fees are reasonable. Ultimately, it's a decent card for a specific demographic but not a standout offering in the overall credit card market.
Pros & Cons
What's great
- No annual fee
- Generous sign-up bonus
- Intro APR period
- No foreign transaction fees
- Cashback on purchases
Things to consider
- High regular APR
- High balance transfer fee
- Limited rewards categories
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
- Unlimited rewards never expire. There’s no limit to the amount of rewards you can earn. And they 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.
- $0 Fraud Liability Protection.
- No foreign transaction fees on international purchases.
- Low Intro Rate on Balance Transfers: 0% introductory APR for 15 months on balance transfers made within 45 days of account opening. After that, a variable APR will apply: 20.24% to 29.99%, based on your creditworthiness and other factors. There is a fee for balance transfers.
- Charitable Contribution: 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.
- Complimentary FICO Credit Score: Get complimentary online access to your FICO Credit Score.
Additional Notes
AARP memberships can be redeemed for yourself or as a gift, starting at $16 in rewards. From April 1, 2026 to March 31, 2027, Barclays Bank Delaware will donate $10 for every newly approved AARP-branded credit card 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, up to $1 million annually. The AARP Travel Rewards Mastercard from Barclays is issued by Barclays Bank Delaware pursuant to a license from Mastercard International Incorporated.