AARP is known for the discounts it arranges for its nearly 38 million members. To qualify for membership, of course, you need to be at least 50 years old. But the AARP® Credit Card from Chase makes it possible for anyone of any age to get a taste of those sweet, sweet senior-style savings, at least at gas stations and restaurants.
Here are five things worth knowing about this card.
1. You don’t have to be an AARP member
2. The rewards are outstanding … for some
The AARP® Credit Card from Chase is worth a look if you eat out a lot, drive a lot or, best of all, both. It pays an unlimited 3% cash back at restaurants and at gas stations. Three percent would be a pretty good rate in those categories for any card, but it’s excellent on a card with a $0 annual fee. You get a mundane 1% back on all other spending, so if you don’t spend much on restaurant dining or gas, this isn’t your card — or, at least, it isn’t your everyday card.
3. This Chase card earns rewards, but not Chase Ultimate Rewards®
Technically speaking, the rewards you earn on this card come as points: 3 points per dollar at restaurants and gas stations, 1 point per dollar elsewhere. Points are worth 1 cent apiece when redeemed for cash back, gift cards, travel or AARP membership dues. They are not Chase Ultimate Rewards® points, however, even though this card is issued by Chase.
4. There’s a modest sign-up bonus
New cardholders can get $100 Bonus Cash Back after you spend $500 on purchases in the first 3 months from account opening*.
5. You could help fight hunger
Over the past decade or so, the card’s issuer has donated millions of dollars to the AARP Foundation’s Drive to End Hunger, which provides meals to people age 50 or older who are in need. In 2018, Chase donated 10 cents for every restaurant meal charged to the card, up to a cap of $1 million (which was reached).
Information about the AARP® Credit Card from Chase has been collected by NerdWallet and was not supplied or reviewed by the issuer of this card.