Skip to content
RATING

AARP® Essential Rewards Mastercard®

Advertiser Disclosure

Credit Card Insider is an independent, advertising supported website. Credit Card Insider receives compensation from some credit card issuers as advertisers. Advertiser relationships do not affect card ratings or our Editor’s Best Card Picks. Credit Card Insider has not reviewed all available credit card offers in the marketplace. Content is not provided or commissioned by any credit card issuers. Reasonable efforts are made to maintain accurate information, though all credit card information is presented without warranty. When you click on any ‘Apply Now’ button, the most up-to-date terms and conditions, rates, and fee information will be presented by the issuer. Credit Card Insider has partnered with CardRatings for our coverage of credit card products. Credit Card Insider and CardRatings may receive a commission from card issuers. A list of these issuers can be found on our Editorial Guidelines.

This Mastercard issued by Barclays caters to older adults, offering rewards for the essentials like drugstore purchases, gas, and even medical expenses. It’s also not a bad choice if you’re looking to transfer over some debt, as you’ll get a 0% intro APR for 15 months on balance transfers.

Our rating
Min. credit level: Good
Annual Fee: $0
Regular APR: 16.74%, 20.74%, or 25.74% Variable
Intro Balance Transfer APR: 0% for 15 months

AARP® Essential Rewards Mastercard®

Our rating
Good Min. credit level
$0 Annual Fee
Apply Now

Highlights & Features

Rewards

Spending Rewards
  • 3% cash back for:
    • Gas
    • Drugstores
  • 2% cash back on Medical expenses
  • 1% cash back on all other purchases
Introductory Bonus
  • $100 cash back for spending $500 in the first 90 days

Balance Transfers

A balance transfer is a way to move debt from one card to another with the goal of saving money on interest.

Intro Balance Transfer APR 0% for 15 months
Regular Balance Transfer APR 16.74%, 20.74%, or 25.74% Variable
Balance Transfer Fee 3%, $5 minimum
How to Transfer a Balance on a Credit Card

Fees

Penalty APR N/A
Late Fee Up to $39
Returned Payment Fee Up to $39
Additional Cards Annual Fee N/A
Foreign Transaction Fee 3%
Learn About Types of Credit Card Fees

Cash Advances

Borrowing cash on your card is a cash advance. Cash advances usually come with very high fees. Even worse, cash advances can signal to lenders that you’re being irresponsible with money.

Cash Advance APR 26.24% Variable
Cash Advance Fee 5%, $10 minimum
How to Get a Cash Advance with a Credit Card

Card Benefits

PERKS
  • Free Credit Score
SECURITY
  • Zero Liability on Unauthorized Charges
AARP® Essential Rewards Mastercard®

Highlights

  • 3% cash back on gas and drugstore purchases
  • 2% cash back on medical expenses
  • $100 cash back for spending $500 in the first 90 days
  • 0% intro APR for balance transfers for 15 months, then 16.74%, 20.74%, or 25.74% Variable
  • Complimentary access to one of your FICO scores
  • Unlimited rewards that do not expire
  • 3% foreign transaction fee
  • No annual fee
ABOUT THE ISSUER

Barclays

Manage your Account & Pay your Bill

You can usually pay your bill online on your

Credit card issuer's website

Speak to Customer Service

1-866-419-0836 or

Try a different phone number

The AARP Essential Rewards Mastercard aims to please its older customers by offering a card with rewards for your everyday expenses.

You’ll get a 0% intro APR for balance transfers for 15 months, then your rate will be 16.74%, 20.74%, or 25.74% Variable. That rate is only for transfers made within 45 days of account opening, and you’ll have a transfer fee as well.

You can check one of your FICO scores for free, and you may get some other basic Mastercard benefits, but you likely won’t find any fancy features on this card.

This card has a 3% foreign transaction fee and no annual fee.

Scroll to top