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  AARP® Credit Card from Chase

AARP® Credit Card from Chase

in Personal Credit Cards from Chase Bank

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AARP® Credit Card from Chase

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in Personal Credit Cards from Chase Bank

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Highlights
Highlights
Balance Transfer APR  (Variable APR) 18.24% - 24.99%
Credit Score Range 690 - 850
Annual Fee $0
Purchase APR  (Variable APR) 18.24% - 24.99%
Rewards Rates
  • Every Purchase
  • Gas
  • Restaurants

AARP® Credit Card from Chase Review

AARP® Credit Card from Chase 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. This is everything you need to know to make a good choice.

  • Generous reward rate. You can get a rewards rate of up to 3%.
  • Up to 1% on every day purchases.
  • Signup bonus. Offers a signup bonus of $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 18.24% up to 24.99%.
  • No annual fee. This is a great options for people looking for a low-maintenance rewards card. It gives rewards on your purchases but you don't have to pay an annual fee for the privilege.
  • 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. Earn up to 3% for every $1 you spend on gas.
  • Good or better credit required. You should probably try with another card if your credit score is below 690.
The Good The Bad
  • No annual fee.
  • Earn rewards on every purchase.
  • Cardholders can earn rewards on their purchases.
  • Extended warranty on purchases.
  • Higher than average purchase APRs.
  • Requires good to excellent credit.
  • Charges a foreign transaction fee of 3%.
  • Does not report to credit bureaus.

Is there a AARP® Credit Card from Chase cash back or rewards program?

AARP® Credit Card from Chase is a cashback card. This means you earn a percentage of your purchase as a cash reward. With AARP® Credit Card from Chase you receive 1% cash back on every 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
Rewards rate (all purchases) 1%
Max rewards rate 3%
Annual rewards limit N/A
Signup Bonus ($) $100
Signup Bonus Spend Requirement $500
Signup Bonus Spend Period (months) 3 months

Does AARP® Credit Card from Chase have a signup bonus?

Yes, AARP® Credit Card from Chase offers card users a signup bonus worth up to $100 after spending $500.

Does AARP® Credit Card from Chase offer an annual loyalty bonus?

AARP® Credit Card from Chase doesn't offer a cash loyalty bonus.

What are the AARP® Credit Card from Chase benefits?

AARP® Credit Card from Chase provides the following benefits:

  • Extended Warranty Protection
  • Zero fraud liability

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

According to the Federal Reserve Board, the average interest rate is 15% for all credit cards and 17% for accounts that carry a balance. AARP® Credit Card from Chase has higher than average purchase APRs.

AARP® Credit Card from Chase has a variable purchase APR that ranges from 18.24% up to 24.99%. The card has a variable balance transfer APR that ranges from 18.24% up to 24.99%. It also has a variable cash advance APR starting at 25.99% .

Does AARP® Credit Card from Chase have an introductory APR offer on balance transfers??

No, AARP® Credit Card from Chase does not come with an introductory APR offer for balance transfers.

Does AARP® Credit Card from Chase have an introductory APR offer on new purchases??

AARP® Credit Card from Chase does not offer an introductory rate on new purchases.

What are the AARP® Credit Card from Chase fees?

The following fees apply to AARP® Credit Card from Chase:

AARP® Credit Card from Chase Fees
Fees Amount
Annual Fee $0
Foreign Transaction Fee 3%
Balance Transfer Fee 3%
Minimum Balance Transfer Fee $5
Returned Payment Fee $35
Late Payment Fee $15 - $35

Does AARP® Credit Card from Chase have a foreign transaction fee?

AARP® Credit Card from Chase charges a foreign transaction fee of 3%. For example, if you spend $2,000 on a week vacation abroad you would pay a foreign transaction fee of $60. If you travel abroad you may want to leave this card at home and apply for one that doesn't charge a foreign transaction fee.

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 you're denied click here to find out why your application may have been rejected and what you can do about it.

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.

SUPERMONEY Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...

Availability

Alaska Alabama Arkansas Arizona California Colorado Connecticut Washington, D.C. Delaware Florida Georgia Hawaii Iowa Idaho Illinois Indiana Kansas Kentucky Louisiana Massachusetts Maryland Maine Michigan Minnesota Missouri Mississippi Montana North Carolina North Dakota Nebraska New Hampshire New Jersey New Mexico Nevada New York Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Virginia Vermont Washington Wisconsin West Virginia Wyoming
  Available in 50 states and Washington, D.C.
  • Alabama
  • Alaska
  • Arizona
  • Arkansas
  • California
  • Colorado
  • Connecticut
  • Delaware
  • Washington, DC
  • Florida
  • Georgia
  • Hawaii
  • Idaho
  • Illinois
  • Indiana
  • Iowa
  • Kansas
  • Kentucky
  • Louisiana
  • Maine
  • Maryland
  • Massachusetts
  • Michigan
  • Minnesota
  • Mississippi
  • Missouri
  • Montana
  • Nebraska
  • Nevada
  • New Hampshire
  • New Jersey
  • New Mexico
  • New York
  • North Carolina
  • North Dakota
  • Ohio
  • Oklahoma
  • Oregon
  • Pennsylvania
  • Rhode Island
  • South Carolina
  • South Dakota
  • Tennessee
  • Texas
  • Utah
  • Vermont
  • Virginia
  • Washington
  • West Virginia
  • Wisconsin
  • Wyoming

Feature Breakdown

Every Purchase (Points) Earn 1% Cash Back rewards on all other purchases.
No Annual Fee  
Annual Fee $0
No Interest Grace Period for Late Payment 25 days
Cash Advance Fee Minimum $10
Cash Advance Fee (%) 5%
Foreign Currency Transaction Fee 3%
Returned Payment Fee $35
Balance Transfer Fee Minimum $5
Balance Transfer Fee % 3%
Late Fee Amount $15 - $35
Customer Type Personal
Minimum Age 18
Supported Income Types
  • 1099 Misc. Income
  • Cash
  • Direct Deposit (W2, SSA, SSDI)
  • Payroll Check or Prepaid Card
  • Tax Returns
Military Status
  • Active Duty Military
  • Military Dependent
  • Non-Military
  • Veterans
Employment Statuses Considered
  • Employed Full-Time
  • Employed Part-Time
  • Other
  • Retired
  • Self-Employed
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Credit Score Range 690 - 850
Fraud Liability  
Extended Warranty  
Credit Card Benefits
  • Extended Warranty Protection
  • Fraud Liability
  • Purchase Protection
Bonus Rewards Earn 3% Cash Back rewards on purchases at restaurants, from fine dining to fast food, and gas station.
Rewards Rates
  • Every Purchase
  • Gas
  • Restaurants
Signup Bonus $100
Cash Advance APR (Variable APR) Starting at 25.99%
Balance Computation daily balance method (including new transactions)
Purchase APR (Variable APR) 18.24% - 24.99%
Balance Transfer APR (Variable APR) 18.24% - 24.99%

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