The AARP® Travel Rewards Mastercard® from Barclays is a new cashback credit card with a focus on travel-related bonus categories, such as airfare, hotel stays, and rental cars, though cardholders also receive accelerated cash back on restaurant purchases as well.
This AARP Travel Rewards Mastercard from Barclays review will give you the breakdown of the card’s benefits and features, as well as whom the card is best for. Read on to decide whether the AARP Travel Rewards Mastercard from Barclays deserves a spot in your wallet.
- Who should get the AARP Travel Rewards Mastercard from Barclays?
- Card basics
- AARP Travel Rewards Mastercard from Barclays benefits and perks
- Drawbacks to the AARP Travel Rewards Mastercard from Barclays
- Earning and redeeming cash back
- AARP Travel Rewards Mastercard from Barclays FAQs
- Other cards to consider
Who should get the AARP Travel Rewards Mastercard from Barclays?
It may seem like only AARP members should get the AARP Travel Rewards Mastercard, but an AARP membership isn’t actually required to qualify for this card. That said, the AARP branding, being able to redeem your rewards toward an AARP membership, and having the opportunity to give back to the AARP Foundation could appeal to AARP members.
In addition, this card is focused on earning cash back in travel-related categories, so despite its name, it’s not a travel rewards card connected with a particular loyalty program. However, it could still make sense for frequent travelers who want to earn bonus cash back on their travel purchases, such as airfare, hotel stays, and rental cars.
If you’re interested in extra cash back on everyday purchases, such as groceries or gas, this card likely wouldn’t make sense for you as it doesn’t offer bonus rewards in those categories. But it does include a bonus category for restaurant purchases, which might be helpful if that’s a common spending category for you.
Card basics
Card type | Cash back |
Credit card issuer | Barclays |
Credit card network | Mastercard |
Annual fee | $0 |
Intro bonus | Earn $200 cash back after spending $1,000 on purchases in the first 90 days |
Rewards rate | 3% cash back on airfare, hotel stays, and rental cars; 2% cash back on restaurant purchases; and 1% cash back on all other purchases |
Recommended credit score | Good, Excellent |
Intro APR | 0% intro APR on balance transfers for 15 months (then 21.49% to 29.99% (variable)) |
Foreign transaction fee | None |
AARP Travel Rewards Mastercard from Barclays benefits and perks
- Generous welcome offer: Earn $200 cash back after spending $1,000 on purchases in the first 90 days.
- Bonus categories: This card’s bonus categories could line up with your spending and make it easier to earn more cash back if you travel and eat out often. It offers 3% cash back on airfare, hotel stays, and rental cars; 2% cash back on restaurant purchases; and 1% cash back on all other purchases.
- Redemption options: Cardmembers can redeem cashback rewards for bank deposits, statement credits, gift cards, AARP memberships, or merchandise. Each reward is worth 1 cent, so 100 cashback rewards would be worth $1, and 1,000 cashback rewards would be worth $10.
- Low annual cost: You have a $0 annual fee, which means you’re able to focus on earning valuable cash back instead of trying to offset an annual cost.
- No membership required: This is an AARP credit card, but you don’t need an AARP membership to apply. Anyone who qualifies can take advantage of this card’s benefits and features.
- Intro APR: If a balance transfer makes sense for your financial situation, this card offers a 0% introductory APR on balance transfers for 15 months (then 21.49% to 29.99% (variable)). After that, the interest rate increases to the regular variable APR, based on your creditworthiness.
- No foreign transaction fee: Because this card focuses on travel, it makes sense that you can use it on purchases while traveling abroad without having to worry about a foreign transaction fee. This can help you save money during trips abroad.
- Charitable contributions: Barclays will donate $10 for each new AARP credit card approval from Barclays and another 1% of each eligible purchase made with AARP-branded credit cards from Barclays.
Drawbacks to the AARP Travel Rewards Mastercard from Barclays
- No premium benefits: Many of the best travel credit cards offer premium benefits, such as free airport lounge access or annual travel credits. This card doesn’t offer premium benefits to help enhance your travel experiences.
- No travel redemptions: You would expect a travel-focused credit card to offer travel redemption options, but this card, as a cashback credit card, doesn’t have any. However, having cash back as a redemption option means you basically get to use your rewards on anything because cash is accepted virtually everywhere.
- Limited charitable contributions: If the Barclays donations to AARP are appealing to you, note that they do have a few limitations. The charitable contributions are slated to end on March 31, 2022. In addition, the 1% matching donations apply only to specific electronic and telecommunications purchases, which may not align with your typical spending habits. Total donations are also capped at $1 million annually.
Earning and redeeming cash back
Potential earnings in years one and two
Here's a look at how your cash back can add up with the AARP Travel Rewards Mastercard from Barclays.
Remember, this is an estimation. The actual value will be determined by how much you spend and in which categories you spend.
Year one earnings: $655
Year two earnings: $455
These values are based on the FinanceBuzz Credit Card Rewards Valuation Model, which looks at points earned via spending, the sign-up bonus, and the annual fee. However, if you use your card frequently in this card’s bonus categories, you might see more value from it in years one and two.
Best ways to earn
The best way to earn cash back with the AARP Travel Rewards Mastercard from Barclays is by using it on purchases that fall within its bonus categories. For bonus earning, this card offers 3% cash back on airfare, hotel stays, and rental cars, as well as 2% cash back on restaurant purchases.
If you spend $2,000 on airfare, $2,000 on hotel stays, and $2,000 at restaurants, you’d earn $160 worth of rewards. In comparison, the same $6,000 spent in non-bonus categories would earn only $60 worth of rewards.
Categories | Rewards rate |
Airfare, hotel stays, and rental cars | 3% |
Restaurant purchases | 2% |
All other purchases | 1% |
Maximizing your redemptions
The AARP Travel Rewards Mastercard from Barclays earns cash back, which can be redeemed for bank deposits, statement credits, gift cards, AARP memberships, and merchandise. Cashback rewards are worth 1 cent per reward, so 10,000 rewards would equal $100.
The best option for redemptions will vary depending on your situation and goals, but bank deposits and statement credits will typically make a lot of sense on this card. These two options give you plenty of flexibility because cash back or statement credits can be used for most things, including the other available redemption options.
For example, you could redeem rewards for a bank deposit or statement credit and then use the extra money for a gift card or any number of other purchases or expenses. Using your rewards in this manner gives you more options for your cash back.
AARP Travel Rewards Mastercard from Barclays FAQs
Is the AARP Travel Rewards Mastercard a good card?
If you're interested in applying for a new credit card, the AARP Travel Rewards Mastercard could be a good card if it aligns with your spending habits and lifestyle. This card is focused on travel, with 3% cash back on airfare, hotel stays, and rental cars, as well as 2% on restaurant purchases. If you travel frequently and enjoy dining out, the AARP Travel Rewards Mastercard could be a good fit for you.
What credit score do you need for the AARP Travel Rewards Mastercard?
You typically need a good or excellent credit score to qualify for the AARP Travel Rewards Mastercard. That would mean at least a 670 FICO Score or a 661 VantageScore is likely required for approval.
What are the best credit cards for older adults?
Here are a few of the best credit cards for seniors:
- Chase Sapphire Reserve®: Ideal for frequent travelers who want to earn valuable Chase Ultimate Rewards points.
- The Platinum Card® from American Express: Ideal for luxury travelers who want premium travel benefits.
- Citi Double Cash® Card: Ideal for earning a flat, unlimited rate of cash back on all types of purchases.
- Blue Cash Preferred® Card from American Express: Ideal for earning bonus cash back in many common categories.
Which credit cards does the AARP offer?
AARP partners with Barclays to offer these two rewards credit cards:
- AARP Travel Rewards Mastercard: Travel-focused cashback card offering bonus rewards for airfare, hotel stays, and rental cars, as well as restaurant purchases.
- AARP® Essential Rewards Mastercard® from Barclays: Cashback credit card focused on everyday spending categories, including gas and drug store purchases (except for Target and Walmart), as well as medical expenses.
Other cards to consider
If the AARP Travel Rewards Mastercard isn’t a good fit for you, it’s best to compare credit cards for additional options. To get started, consider the Chase Freedom Unlimited® and AARP® Essential Rewards Mastercard® from Barclays as alternatives.
The Chase Freedom Unlimited is also a cashback card, but it offers you the opportunity to be a part of a travel rewards program if you pair it with a card that earns Chase Ultimate Rewards, such as the Chase Sapphire Preferred® Card or Chase Sapphire Reserve. This means the 3% cash back you earn on drugstore purchases and dining at restaurants, including takeout and eligible delivery service and the 1.5% you earn on all other purchases can be put toward travel redemptions, including flights, hotel stays, car rentals, and transfers to travel partners.
To learn more about this card, read our Chase Freedom Unlimited review.
The AARP Essential Rewards Mastercard is similar to the AARP Travel Rewards Mastercard, but offers different earning categories. This credit card offers 3% cash back on gas and drug store purchases (except for Target and Walmart); 2% cash back on medical expenses; and 1% cash back on all other purchases. If these bonus categories align more with your spending habits, this card would likely be a better fit for you than the AARP Travel Rewards Mastercard.