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.

Key takeaways:

• Generous reward rate. You will get a cashback rewards rate of up to 3%.
• Earn 1% cash back on everyday 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 17.74% up to 24.49%.
• No annual fee. This is a great option for people looking for a low-maintenance rewards card. It gives you rewards on your 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 up to 3% on balance transfers. For example, a balance of $1,000 could cost up to $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. Earn up to 3% for every $1 you spend on gas.
• Multiple credit card benefits. Includes generous credit card perks, such as emergency support, extended warranty protection on purchases, purchase protection, and fraud protection.
• Good or better credit required. You should probably try with another card if your credit score is below 690.

AARP® Credit Card from Chase Pros and Cons:

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 every purchase. Earn rewards on every purchase. AARP® Credit Card from Chase reports to multiple credit bureaus. Cardholders can earn rewards on their purchases.	Higher than average purchase APRs. Requires good to excellent credit. Charges a foreign transaction fee of 3%. Charges a 3% balance transfer fee.

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

What are the AARP® Credit Card from Chase benefits?

AARP® Credit Card from Chase 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 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 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 26.49% .

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

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%
Returned Payment Fee	up to $35
Late Payment Fee	$15 - $35

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

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 can help improve your credit score.

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.