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AARP Credit Card: Senior Discounts for Everyone

Dec. 19, 2018
Cash Back Credit Cards, Credit Cards
AARP Credit Card: Senior Discounts for Everyone
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The AARP Credit Card is worth a look if you eat out a lot, drive a lot or, best of all, both.

AARP is known for the senior discounts it has won for its members, and this card continues that tradition. 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.

You don’t have to be an AARP member to apply for this card, although you have the option to redeem your cash back directly with AARP to pay for membership in the organization. Rewards can also be redeemed for a credit on your statement, a deposit into a bank account, gift cards or travel, among other options. There’s a modest sign-up offer: $100 bonus cash back rewards after you spend $500 on purchases in the first 3 months from account opening.

Also consider: The Capital One® SavorOne℠ Cash Rewards Credit Card earns an unlimited 3% cash back on dining and entertainment, 2% at grocery stores and 1% on all other expenses. The annual fee is $0, and there’s a good sign-up bonus, too: Earn a one-time $150 cash bonus after you spend $500 on purchases within the first 3 months from account opening.

» MORE: NerdWallet’s best cash-back credit cards

Information about the AARP Credit Card has been independently collected by NerdWallet and was not supplied or reviewed by the issuer of this card. 

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