The AARP Credit Card’s rewards are 3% cash back at restaurants and gas stations, and 1% cash back on all other purchases, with no cap on earnings. There’s also an initial bonus of 10,000 points after spending just $500 on the card in the first 3 months.
Though the card is marketed as a “cash back” rewards card, the AARP Credit Card gives rewards in points. The value of AARP rewards points is average for most redemption methods. For example, each point is equal to 1 cent when redeemed for cash back, AARP membership credits, and gift cards. Points are worth about 10% more when redeemed for travel through Chase, however, each point is worth 1.12 cents when redeemed for travel bookings. So you’ll get more value out of travel redemptions with this card.
AARP Credit Card points don’t expire as long as your account is open and in good standing. However, you may lose your accrued points if your account status changes, for example, if you don’t make your minimum payment within 60 days of the due date, or if you file for bankruptcy.
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