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The AARP® Essential Rewards
Mastercard® from Barclays
Earn a $100 Cash Back Bonus2
Earn Unlimited 3% Cash Back
on Gas and Drug Store purchases (excluding Target and Walmart)2
Earn Unlimited 2% Cash Back
on eligible Medical expenses2
$0
Annual Fee1
Earn a $100 Cash Back Bonus
after spending $500 on purchases in the first 90 days.2
Earn Unlimited 2% Cash Back
on eligible Medical expenses.2
Charitable Contribution
Barclays will donate $10 to AARP Foundation for every new account.3
Earn Unlimited 3% Cash Back
on Gas and Drug Store purchases (excluding Target and Walmart).2
Earn Unlimited 1% Cash Back
on all other purchases.2
Charitable Contribution
Barclays will donate 1% of eligible purchases to AARP Foundation.3
Unlimited Rewards Never Expire
There’s no limit to the amount of rewards you can earn. And they never expire as long as your account is open and in good standing.2
Redeem for AARP Membership
Redeem rewards for an AARP membership for yourself or as a gift. Options start at $16 in rewards.2
$0 Fraud Liability Protection
Means you’re not responsible for charges you did not authorize.
Low Intro Rate on Balance Transfers
Enjoy a 0% introductory APR for 15 months on balance transfers made within 45 days of account opening. After that, a variable APR will apply, 21.99%, 25.99%, 29.99%, based on your creditworthiness. There is a fee for balance transfers.1
Redemption Has Never Been So Rewarding
Unlimited rewards are easy to redeem. You can redeem rewards for cash back, AARP membership and more at BarclaysUS.com.2
Complimentary FICO® Credit Score
Get complimentary online access to your FICO® Credit Score.4
APR for purchases |
21.99%, 25.99% or 29.99% variable, based on your creditworthiness. |
APR for balance transfers |
0% introductory APR for the first fifteen billing cycles following each balance transfer that posts to your account within 45 days of account opening. After that (and for balance transfers that do not post within 45 days of account opening), a variable APR will apply, 21.99%, 25.99%, or 29.99%, based on your creditworthiness. |
APR for cash advances |
29.99% variable |
Annual fee |
$0 |
Balance transfer fee |
Either $5 or 5% of the amount of each transfer, whichever is greater. |
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%, 25.99%, or 29.99%, depending upon our review of your application and your credit history at account opening. 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 Reward Rules within the Terms and Conditions for additional information about the rewards program.
From April 1, 2023 to March 31, 2024, 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. 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 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 will 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 (Barclays) pursuant to a license from Mastercard International Incorporated. Mastercard, World Mastercard and World Elite Mastercard are a registered trademark, and the circles design is a trademark 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.
© 2023 Barclays Bank Delaware, PO Box 8801, Wilmington, DE 19801, Member FDIC.
