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AARP® Travel Rewards Mastercard®

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You’ll get a solid set of travel rewards, a decent intro bonus that’s easy to earn, and a long 0% intro rate for balance transfers. You may find some basic Mastercard benefits, but you won’t get any fancy extras or elite features on this card.

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® Travel Rewards Mastercard®

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

Highlights & Features


Spending Rewards
  • 3% cash back on:
    • Airfare
    • Hotel stays
    • Car rentals
  • 2% cash back at Restaurants
  • 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


Penalty APR N/A
Late Fee Up to $39
Returned Payment Fee Up to $39
Additional Cards Annual Fee N/A
Foreign Transaction Fee None
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

  • Free Credit Score
  • Zero Liability on Unauthorized Charges
  • No Foreign Transaction Fee
AARP® Travel Rewards Mastercard®


  • 3% cash back on airfare, hotel stays, and car rentals
  • 2% cash back at restaurants
  • $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
  • No foreign transaction fee
  • No annual fee


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 Travel Rewards Mastercard is equipped with an excellent set of travel rewards, covering most of the bases you’d need to earn rewards for every expense along your travels.

You’ll earn on airfare, hotel stays, car rentals, and restaurants. Combined with another card like the Citi® Double Cash Card – 18 month BT offer (Review), you could optimize all of your spending to earn at least 2% on each of your purchases.

This card has no foreign transaction or annual fee.

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