AARP® Travel Rewards Mastercard® from Barclays
$100 Cash Back welcome bonus. No annual fee.
- Welcome offer
- Issuer's pagecards.barclaycardus.com
“Earn a $100 Cash Back Bonus”
- Annual fee
- Issuer's pagecards.barclaycardus.com
“Annual Fee is $0.”
- Purchase APR
- Issuer's pagecards.barclaycardus.com
“Purchases – 20.49% to 29.99%, based on your creditworthiness and other factors.”
- Foreign transaction fee
- Issuer's pagecards.barclaycardus.com
“Foreign transaction fee: 0%.”
We don't earn anything from this link. Select any underlined figure to see where it comes from.
What it's worth
| Spending | First year | After |
|---|---|---|
| Light spender | $230 | $130 |
| Typical spender | $470 | $370 |
| Heavy spender | $1,120 | $1,020 |
The spending each assumes, a month
- Light spender: groceries $300, dining $100, gas $100, everything else $500
- Typical spender: groceries $600, dining $300, gas $200, travel $150, everything else $1,250
- Heavy spender: groceries $900, dining $600, gas $300, travel $600, airfare $300, hotels $300, everything else $2,500
Assumed: +$200 if a current cardholder refers you (AARP Mastercard from Barclays referral offer).
Estimates from the published terms above, as checked Oct 4, 2026; not advice. How we value cards
How it compares
- No annual fee, like about 100% of the 49 cards on our 0% intro APR list (see the list).
- Worth more to a typical spender than about 80% of the 650 cards we track.
Shares rounded to 5 points. Fees and APRs as stated; value for our typical spender. Method
Welcome offer
$100 cash
Spend $500 on purchases
Within the first 90 days of account opening. The bonus may only be earned once, and applicants may not be eligible if they currently have or previously had an account with Barclays in this program.
How you earn
- 3%Airfare, Hotel Stays & Car Rentals
- 2%eligible Restaurant purchases
- 1%Everything else
Rates and fees
| Annual fee | Issuer's pagecards.barclaycardus.com “Annual Fee is $0.” |
|---|---|
| Purchase APR | Issuer's pagecards.barclaycardus.com “Purchases – 20.49% to 29.99%, based on your creditworthiness and other factors.” |
| Intro APR | Issuer's pagecards.barclaycardus.com “0% introductory APR for 15 months on balance transfers made within 45 days of account opening.” |
| Balance transfer APR | Issuer's pagecards.barclaycardus.com “After that (and for balance transfers that do not post within 45 days of account opening) your APR will be 20.49% to 29.99%, based on your creditworthiness and other factors.” |
| Balance transfer fee | Issuer's pagecards.barclaycardus.com “Balance transfer fee: 5% (min.” |
| Cash advance APR | Issuer's pagecards.barclaycardus.com “The variable APR for cash advances is 29.99%.” |
| Cash advance fee | Issuer's pagecards.barclaycardus.com The source states this figure; we have no exact sentence on file yet. |
| Foreign transactions | Issuer's pagecards.barclaycardus.com “Foreign transaction fee: 0%.” |
| Minimum interest charge | Issuer's pagecards.barclaycardus.com The source states this figure; we have no exact sentence on file yet. |
Carrying a balance? See how long it takes to pay off
Benefits
- Rewards can be redeemed for cash back, statement credits, AARP memberships, gift cards, and merchandise.
- $0 Fraud Liability Protection; cardholders are not responsible for unauthorized charges.
- No foreign transaction fees on international purchases.
- Complimentary online access to a FICO Score, subject to account and availability conditions.
- Barclays will donate $10 for every qualifying newly approved AARP-branded credit card account and 1% of eligible electronic and telecommunications purchases to AARP Foundation, subject to the stated terms and annual maximum.
Questions
- What is the annual fee?
- $0 cards.barclaycardus.com, since Sep 29, 2026
- Does it charge a foreign transaction fee?
- No. cards.barclaycardus.com, since Sep 29, 2026
- What is the purchase APR?
- 20.49–29.99% APR cards.barclaycardus.com, since Sep 29, 2026
- Is there an intro APR?
- 0% for the first 15 billing cycles following each balance transfer that posts to your account within 45 days of account opening. cards.barclaycardus.com, since Sep 29, 2026
- Is there a welcome bonus?
- $100 cash back after $500 in purchases. cards.barclaycardus.com, since Oct 1, 2026
Other cash back cards with no annual fee
- Susan G. Komen Customized Cash Rewards Credit Card - Pink RibbonBank of America · No annual fee+$340 a year
- The One Key Card No Annual FeeWells Fargo · No annual fee+$280 a year
- West Elm Key Rewards VisaCapital One · No annual fee+$255 a year
Against this card, for our typical spender's value (rewards and credits minus fees, after the first year).