AARP Credit Card

Card Details
Rewards	You can earn 3% cash back on purchases at gas stations and drug stores (excluding some big-box stores such as Target & Walmart). You’ll earn 2% cash back on eligible medical expenses. You’ll earn 1% cash back on all other purchases.
Signup Bonus	New cardholders can earn a $200 cash-back bonus after spending $1,000 on purchases in the first 90 days of account opening. A bonus of $100 after spending $500 in the first 90 days for a version of the car
Annual Fee	No annual fee
Cardmember Agreement	View Here
Cash Advance APR	29.99% (APR is subject to change)
Cash Advance Fee	Either $10 or 5% of the amount of each cash advance, whichever is greater.
Late Payment Fee	$28 for your first late payment. $39 if you have another late payment within six billing cycles.
Purchases APR	A variable rate between 20.99% and 29.99%, depending on your creditworthiness.
* Card terms and offers are subject to change. Confirm current details with the issuer.

CARD OVERVIEW

The AARP® Credit Card from Barclays stands out for its straightforward cash-back rewards, $0 annual fee, and perks that appeal to everyday spenders—especially those who value simplicity over travel-specific perks. You’ll typically earn 3% cash back on gas and drugstore purchases, 2% on medical expenses, and 1% on everything else, plus occasional sign-up bonuses (often around $200 for new cardholders).

Most users say they like how easy the rewards are to earn and redeem, and appreciate that there’s no annual fee. Many also mention Barclays’ customer service as responsive once you get through to a representative.

On the flip side, some cardholders complain about occasional payment-processing delays, high APRs for those who carry a balance, and limited travel perks compared to premium cards. Others wish the rewards categories were broader.

Personally, I think this is a solid, low-maintenance card for retirees or anyone who spends heavily on gas, prescriptions, or healthcare. It’s not a flashy travel card—but if you just want steady cash back with no annual cost, the AARP Credit Card does its job well without the fuss.