AARP credit card


Earn a $200 Cash Back Bonus

after spending $1,000 on purchases in the first 90 days from account opening2

The AARP® Essential Rewards Mastercard® from Barclays

The AARP® Essential Rewards Mastercard® from Barclays

Life well rewarded – with no annual fee1


Earn unlimited 3% cash back on Gas and Drug Store purchases (excluding Target® and Walmart®)2


Earn unlimited 2% cash back on eligible Medical expenses (like purchases at doctors, dentists, chiropractors, glasses, hearing aids and more)2


Earn unlimited 1% cash back on all other purchases2

Helping older adults make essential connections2,3

More exclusive cardmember benefits



AARP Essentials Rewards Mastercard from Barclays

AARP® Essential Rewards Mastercard® from Barclays




Offer subject to credit approval. This offer is available through this advertisement and may not be accessible elsewhere. Other offers may be available. For complete pricing and other details, please see the Terms and Conditions.


This offer is valid for approved applicants. Any bonus associated with this offer may only be earned once. You may not be eligible for this offer if you currently have or previously had an account with us in this program. In addition, you may not be eligible for this offer if, at any time during our relationship with you, we have cause, as determined by us in our sole discretion, to suspect that the account is being obtained or will be used for abusive or gaming activity (such as, but not limited to, obtaining or using the account to maximize rewards earned in a manner that is not consistent with typical consumer activity and/or multiple credit card account applications/openings). Please see the About This Offer section of the Terms and Conditions for important information.


Annual Fee is $0. 0% introductory APR on balance transfers made within 45 days of account opening is applicable for the first 15 billing cycles that immediately follow each balance transfer. This introductory APR offer does not apply to purchases and cash advances. For new and outstanding balance transfers after the introductory period and all purchases, the variable APR is 21.99% to 29.99%, depending upon our review of your application, your credit history at account opening, and other factors. The variable APR for cash advances is 29.99%. The APRs on your account will vary with the market based on the Prime Rate and are subject to change. The minimum monthly interest charge will be $0.50. Balance transfer fee: 5% (min. $5). Cash advance fee: 5% (min. $10). Foreign transaction fee: 3%. See Terms and Conditions for updated and more information about the terms of this offer, including the “About the Variable APRs on Your Account” section for the current Prime Rate information.


Conditions and limitations apply. Please refer to the Introductory Bonus Offer section of  the Terms and Conditions for more information about the introductory offer. Please refer to the Reward Rules within the Terms and Conditions for additional information about the rewards program.


From April 1, 2024 to March 31, 2025, Barclays Bank Delaware (Barclays) will donate $10 for every newly approved AARP-branded credit card from a Barclays account that is used within the first 90 days of account opening and 1% of all eligible electronic and telecommunications purchases made with the card to AARP Foundation, in support of efforts to increase social connection and financial well-being. Total maximum donation by Barclays is $1 million annually. As AARP's charitable affiliate, AARP Foundation works to end senior poverty by helping vulnerable people over 50 build economic opportunity, emphasizing equitable outcomes.


FICO® Score Access: FICO is a registered trademark of Fair Isaac Corporation in the United States and other countries. Barclays offers FICO® Score access at its sole discretion. Not all accounts with have a FICO® Score available. FICO® Score access is not a permanent feature of your account and may be removed at any time. To view your FICO Score, your account with us must be open, active (having activity within the past 150 days) and in good standing.

The AARP Essential Rewards Mastercard from Barclays is issued by Barclays Bank Delaware pursuant to a license from Mastercard International Incorporated. Mastercard, World Mastercard, World Elite Mastercard, and the circles design are registered trademarks of Mastercard International Incorporated. 


AARP member benefits are provided by third parties, not by AARP or its affiliates. Barclays Bank Delaware (Barclays) pays royalty fees to AARP for the use of its intellectual property. These fees are used for the general purposes of AARP. Some Barclays offers are subject to change and may have restrictions. Please contact Barclays directly for details.