AARP® Credit Card from Chase

AARP® Credit Card from Chase Review

This is a cashback credit card issued by Chase Bank. If you're wondering whether AARP® Credit Card from Chase is the right card for you, read on.

Key Takeaways

• Generous reward rate. You can get a maximum cashback rewards rate of up to 3x.
• Signup bonus. Offers a signup bonus of up to $100 if you spend $500 within 3 months.
• High APRs. This is not a great card for people who carry a balance. It has a variable purchase APR that ranges from 17.74% up to 24.49%.
• No annual fee*. This is a great option for people looking for a low-maintenance cashback card. It gives you cashback on your eligible purchases, but you don't have to pay an annual fee for the privilege.
• 3% Balance transfer fee. AARP® Credit Card from Chase charges a fee of 3% on balance transfers. For example, a balance of $1,000 could cost $30 in transfer fees. The minimum fee is $5.
• Charges foreign transaction fees. Avoid using this card when traveling abroad because it charges a commission of 3% every time you make a transaction outside the U.S.
• Gas rewards. on eligible fuel purchases.
• Multiple credit card benefits. Includes generous credit card perks, such as emergency support, extended warranty protection on purchases, purchase protection, and fraud protection.
• Fair or better credit required. You will have good approval odds if your credit score is above 650.

Pros & Cons of AARP® Credit Card from Chase

The Good	The Bad
No annual fee. Multiple credit card perks. Extended warranty on purchases. Free access to your credit score. Cardholders can earn rewards on their purchases. AARP® Credit Card from Chase reports to multiple credit bureaus.	Higher than average purchase APRs. Charges a foreign transaction fee of 3%. Charges a 3% balance transfer fee.

AARP® Credit Card from Chase FAQ

Does AARP® Credit Card from Chase have a cash back or rewards program?

This is a cashback card. This means you earn a percentage of your purchases as cash back rewards. You will receive 1% cash back on travel, dining, groceries, drugstore purchases, or any other purchase. For example, if you buy a $1,000 laptop, you will receive $10 back in cash. However, you can earn up to 3% for purchases in a bonus category.

AARP® Credit Card from Chase Rewards

Minimum rewards rate	1x
Max rewards rate	3x
Annual rewards limit	N/A
Signup Bonus ($)	Starting at $100
Signup Bonus Spend Requirement	$500
Signup Bonus Spend Period (months)	3 months

What are the AARP® Credit Card from Chase benefits?

It provides the following benefits:

• Free Credit Score
• Emergency Support
• Extended Warranty Protection
• Zero fraud liability
• Reports to major credit bureaus

What are the relevant APRs for AARP® Credit Card from Chase?

According to the Federal Reserve Board, the average regular APR is 15% for all credit cards and 17% for accounts that carry a balance. This card has higher than average regular APRs.

AARP® Credit Card from Chase has a variable purchase APR that ranges from 17.74% up to 24.49%. The card has a variable balance transfer APR that ranges from 17.74% up to 24.49%. It also has a variable cash advance APR of 24.99% .

What are the fees for AARP® Credit Card from Chase?

The following fees apply:

AARP® Credit Card from Chase Fees

Fees	Amount
Annual Fee	$0
Foreign Transaction Fee	3%
Returned Payment Fee	up to $35
Late Payment Fee	$15 - $35

This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost cashback card.

Does AARP® Credit Card from Chase report your account activity to credit bureaus?

Yes, AARP® Credit Card from Chase reports your account activity to the following credit reporting agencies:

• Equifax
• Experian
• Transunion

Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and may help improve your credit.

How to apply for AARP® Credit Card from Chase

• Visit the AARP® Credit Card from Chase website.
• Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, and annual income.
• Check the information is accurate and submit your application.

If your credit score is preventing you from qualifying for this credit card, check out our guide for the best credit cards for bad credit.