AARP® Travel Rewards Mastercard® from Barclays
MastercardIssued by Barclays
3% cash back on airfare, hotel stays, and car rentals; 2% on restaurants; 1% on everything else.
ANNUAL FEE
$0
No annual fee for this card.
PURCHASE APR
20.24% – 29.99%
Rate based on creditworthiness and prime rate.
SIGN-UP BONUS
100
Earn a $100 Cash Back Bonus after spending $500 on purchases in the first 90 days of account opening.
TOP CASH BACK
3%
Earn unlimited 3% cash back on airfare, hotel stays, and car rentals.
Key Benefits
- Unlimited cash back rewards that never expire
- Redeem for cash back, statement credits, gift cards, or AARP memberships
- No AARP membership required to apply
- Barclays donates $10 to AARP Foundation for every new account opened
- 1% of all eligible electronic and telecommunications purchases donated to AARP Foundation
Important Limitations
- Gas and Drugstore spending (better rewards on the Essential Rewards version)
- Small redemptions (most options require a $25 minimum)
Rewards Structure
Airfare, Hotels & Car Rentals
3%Annual limits
Unlimited (no annual cap)
Details
Earn unlimited 3% cash back on airfare, hotel stays, and car rentals.
Restaurant Purchases
2%Annual limits
Unlimited (no annual cap)
Details
Earn unlimited 2% cash back on eligible restaurant purchases.
All
1%Annual limits
Unlimited (no annual cap)
Details
Earn 1% cash back on all other purchases.
| Purchase Category | Rate | Annual Limits | Details |
|---|---|---|---|
| Airfare, Hotels & Car Rentals | 3% | Unlimited (no annual cap) | Earn unlimited 3% cash back on airfare, hotel stays, and car rentals. |
| Restaurant Purchases | 2% | Unlimited (no annual cap) | Earn unlimited 2% cash back on eligible restaurant purchases. |
| All | 1% | Unlimited (no annual cap) | Earn 1% cash back on all other purchases. |
Fees & APR
ANNUAL FEE
$0
REGULAR PURCHASE APR
20.24% – 29.99%
CASH ADVANCE APR
29.99% – 29.99%
FOREIGN TRANSACTION FEE
0%
LATE PAYMENT FEE
$39
BALANCE TRANSFER FEE
$5 OR 5%
CASH ADVANCE FEE
$10 OR 5%
Card Protection & Benefits
Complimentary FICO® Score
- ✓Get complimentary online access to your FICO® Credit Score.
AARP Membership Redemption
- ✓Redeem your rewards directly for an AARP membership starting at $16 in rewards.
Security Features
- ✓$0 Fraud Liability – You'll never be responsible for unauthorized charges made on your account.
Best Use Cases
IDEAL FOR
- Travelers looking for a no-annual-fee travel card
- People who spend heavily on airfare, hotels, and car rentals
- Frequent diners seeking cash back on restaurant purchases
NOT RECOMMENDED FOR
- Gas and Drugstore spending (better rewards on the Essential Rewards version)
- Small redemptions (most options require a $25 minimum)
Maximize Your Rewards Strategy
Months 1–3: Hit the Bonus
- Spend $500.00 to unlock $100.00 bonus
- Effective 20% return on first $500.00
- Time large purchases strategically
- Track progress toward spending goal
- Don't overspend just for the bonus
Earn More Cash Back
- 3% on Airfare, Hotels & Car Rentals
- 2% on Restaurant Purchases
- 1% on All
- Set up autopay to avoid late fees
- Review partner programs for bonus opportunities
Ongoing: Optimize Categories
- Prioritize highest-rate qualifying expenses first
- Monitor any annual spending thresholds
- Redeem cash back at minimum thresholds
- Set up autopay to avoid late fees
- Review new offers each year
Customer Support:
1-866-928-3075
Last updated: Feb 18, 2026
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