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 20.24% 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 fee: 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
- Intro APR period for balance transfers
- Sign-up bonus
- Cashback on purchases with tiered rewards
- No foreign transaction fees
- Complimentary FICO® Credit Score
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
- Unlimited Rewards That Never Expire 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.
- Flexible Redemption Options Rewards can be redeemed for cash back, statement credits, AARP memberships, gift cards, and merchandise.
- $0 Fraud Liability Protection You’ll never be responsible for unauthorized charges made on your account.
- 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.
- No Foreign Transaction Fees No foreign transaction fees on international purchases.
- Complimentary FICO® Credit Score Get complimentary online access to your FICO® Credit Score.
Additional Notes
AARP member benefits are provided by third parties, not by AARP or its affiliates.