AARP® Essential Rewards Mastercard®

Welcome Bonus

Earn a $100 Cash Back Bonus

After spending $500 on purchases in the first 90 days

Annual Fee


Annual Rewards

Unlimited 3% cash back on Gas and Drug Store purchases (excluding Target® and Walmart®)

1% on all other purchases

Rewards on Approval


Interest rates

Purchase Rates


Cash Advance Rates


Balance Transfer Rates


Table of Contents

AARP® Essential Rewards Mastercard®

The AARP® Essential Rewards Mastercard® is a credit card that caters specifically to AARP members, offering a range of rewards and benefits for everyday spending. Issued by Barclays, this card is designed to provide a seamless and secure financial experience.


  1. Rewarding Everyday Spending: Earn rewards on everyday purchases, allowing cardholders to maximize their benefits through regular expenditures.

  2. Cashback Opportunities: The card offers cashback on qualifying purchases, providing a tangible and straightforward way to earn rewards.

  3. Exclusive AARP Benefits: Cardholders gain access to exclusive AARP member benefits, enhancing the overall value of the credit card.

  4. Global Acceptance: Being a Mastercard, the AARP® Essential Rewards card is widely accepted worldwide, providing convenience for international travelers.

  5. Secure and Reliable: Issued by Barclays, a reputable financial institution, the card offers a secure and reliable financial experience.


  1. Membership Requirement: As a co-branded card, eligibility is limited to AARP members, potentially excluding individuals who do not meet this criterion.

  2. Potential for High APR: Depending on individual creditworthiness, the APR for this card may be relatively high, impacting the cost of carrying a balance.

  3. Limited Specialty Rewards: While the card is strong for everyday spending, it may not offer specialized rewards for specific categories such as travel or dining.

  4. Foreign Transaction Fees: Cardholders may incur fees when using the card for transactions in foreign currencies, impacting the cost-effectiveness of international spending.

  5. Not Ideal for Balance Transfers: The card may not be the best choice for those looking to transfer high-interest balances, as it may not offer competitive balance transfer terms.

Details & Eligibility

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  • $0
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  • Mastercard
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  • 21.99%
  • 29.99%
  • 21.99%
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The AARP® Essential Rewards Mastercard® from Barclays is a credit card tailored to meet the financial needs and lifestyle preferences of AARP members. This co-branded credit card is designed to offer an array of benefits, from cashback rewards to exclusive perks, making it a valuable addition to the wallets of those affiliated with the American Association of Retired Persons (AARP). As a Mastercard, this credit card is widely accepted globally, providing cardholders with the convenience of making purchases wherever Mastercard is recognized. Barclays, a reputable financial institution, issues and manages this credit card, ensuring a reliable and secure financial experience for cardholders.
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