AARP Travel Rewards Mastercard
Basic Information
Program ID: aarp-travel-rewards-mastercard
Issuer: Barclays
Card Type: Credit
Network: Mastercard
Card Tier: World Elite
Data Complete: Yes
Created: 01/15/2026 17:16
Last Scraped: 01/15/2026 17:18
Fee Structure
| Annual Fee: | $0.00 |
| Year 1 Waived: | No |
| Effective Annual Fee: | $0.00 |
| Authorized User Fee: | $0.00 |
| Penalty APR: | 2,999.00% |
Additional Fees
| Late Fee: | $40.00 |
| Returned Payment: | $40.00 |
| Balance Transfer: | Either $5 or 3% of the amount of each transfer, whichever is greater. |
| Cash Advance: | Either $10 or 5% of the amount of each cash advance, whichever is greater. |
| Foreign Transaction: | 0.00% |
Interest Rates
Purchase APR Range: 2,124.00% - 2,924.00%
Intro Purchase APR: 0.00%
Intro APR Duration: 15 months
Balance Transfer APR: 2,924.00%
Intro BT APR: 0.00%
Intro BT Duration: 15 months
Cash Advance APR: 2,999.00%
Sign-Up Bonus
Bonus Amount: $100.00
Spending Requirement: $1,000.00
Time Period: 90 days
Bonus Timing: Typically within 6-8 weeks after the spending requirement is met and the statement closes, often appearing on the next one or two billing statements.
Rewards Program
Reward Type: Points
Base Reward Rate: 1.00%
Bonus Reward Rate: 2.00%
Bonus Categories: 2x Gas, 2x Eligible AARP Purchases
Point Value Estimate: 0.0100 cents/point
Expiration Policy: Points do not expire as long as account is active and in good standing.
Transfer Partners: None
Card Benefits
Protection Benefits
- Extended Warranty
- Purchase Protection
- Cell Phone Protection
- Price Protection
Travel Benefits
- Travel Insurance
- Primary Rental Protection
- Trip Delay Coverage
- Lost Luggage Coverage
- No Foreign Transaction Fees
Premium Benefits
- Airport Lounge Access
- Concierge Service
Approval Criteria
Recommended FICO Range: 670 - 850
Approval Odds Category: Good
Pre-qualification Available
Soft Pull Supported
Hard Pull Bureau: Varies (Experian, TransUnion, Equifax)
Issuer Rules
Rules: For 2026, applicants for the AARP Travel Rewards Mastercard from Barclays are expected to meet the following eligibility and bonus requirements: **Eligibility Requirements:** * Must be at least 18 years of age (or 21 in some states) and a U.S. resident. * Possess a good to excellent credit score (typically 700+). * **Barclays 6/24 Rule:** Applicants are generally not approved if they have opened more than 6 new credit card accounts from *any issuer* within the past 24 months. This rule is strictly enforced by Barclays. **Sign-up Bonus Rule:** * New cardmembers are typically eligible for a one-time sign-up bonus (e.g., X points/miles or cash back) after spending a specified amount (e.g., $Y) within the first Z months of account opening. Eligibility for the bonus is usually restricted to applicants who do not currently hold the AARP Travel Rewards Mastercard and have not received a sign-up bonus for this specific product in the past (often referred to as a 'lifetime' rule or within a specific timeframe like 24 or 48 months).
Maximum Cards Per Issuer: 3
Minimum Spend Interval: 3 months
Shutdown Risk Triggers: Manufactured spending (MS), excessive credit cycling, high cumulative credit limit across Barclays cards, rapid application for multiple credit products, sudden and unusual spending patterns inconsistent with historical behavior, late payments, defaulting on other credit obligations, or perceived abuse of rewards programs.
International Friendly
User Analytics & Insights
User Ratings
Average Rating: 3.8 / 5.0
Top Positive Feedback:
Users appreciate the solid travel and dining rewards, no foreign transaction fees, and the ease of redeeming points, especially for AARP members.
Top Negative Feedback:
Some users find the rewards structure less competitive compared to premium travel cards, and wish for more diverse redemption options beyond travel.
Approval Experience Score: 75.0 / 100
Recommended Alternatives
- Capital One VentureOne Rewards Credit Card
- Chase Freedom Unlimited
- Citi Double Cash Card
Card Value Score: 70.0 / 100
Est. Annual Rewards: $315.00
User Portfolio Metrics
Avg Portfolio Size: 3 cards
Avg Portfolio Age: 120 months
Store vs Co-brand: 100% General
Risk Assessment
Default Risk Group: Low
Predicted Approval Probability: 75.0%
Terms Version Control
Version ID: v2023-09