13
Benefits3
Reward Categories3x
Max Reward21.2%
APR FromBasic Information
PENDINGRewards Program (Detailed) 3 Categories
PENDING| Category | Rate | Type | Description | Annual Cap | Status |
|---|---|---|---|---|---|
| Gas | 3x | Points | Eligible gas purchases | No Cap | |
| Dining | 3x | Points | Eligible restaurant purchases | No Cap | |
| All Other Purchases | 1x | Points | All other eligible purchases | No Cap |
Rewards Summary
PENDINGReward Type: Cash Back
Base Rate: 1x
Bonus Rate: 3x
Categories: 3% on eligible AARP purchases, 2% on eligible travel and restaurant purchases
Quarterly Rotating: No
Expiration Policy: Rewards do not expire as long as your account is open and in good standing.
Point Value: 0.01¢
Travel Portal Multiplier: 1x
Benefits & Protections (Detailed) 13 Total
PENDINGFinancial 1
No Annual Fee
No annual feeThe card does not charge an annual fee for card membership.
Purchase Protection 3
Cell Phone Protection
Up to $600 per claim, 2 claims per 12-month periodProvides coverage for eligible cell phones against damage or theft when you pay your monthly cell phone bill with your AARP Travel Rewards Mastercard. A deductible may apply.
Purchase Protection
Up to $1,000 per claim, $10,000 per 12-month periodCovers eligible new purchases against damage or theft for a specified period (e.g., 90 days) from the date of purchase when purchased with your card.
Extended Warranty
Up to 1 additional year, up to $1,000 per claim, $10,000 per 12-month periodExtends the original manufacturer's or store brand warranty for eligible items purchased with your card, typically for an additional year on warranties of one year or less.
Security 2
Mastercard Zero Liability Protection
Full protectionProtects you against unauthorized purchases made on your card, ensuring you're not held responsible for fraudulent charges.
ID Theft Protection
Monitoring and resolution servicesAssists with identity theft resolution services, including monitoring, alerts, and expert assistance if your identity is compromised.
Travel 2
No Foreign Transaction Fees
0% foreign transaction feePurchases made outside the U.S. are not subject to foreign transaction fees.
Mastercard Global Service
24/7 emergency assistanceProvides 24/7 emergency assistance for card-related needs, including lost or stolen card reporting, emergency card replacement, and emergency cash advance.
Travel Insurance 5
Car Rental Collision Damage Waiver
Coverage for damage/theft of rental vehicleProvides secondary coverage for damage due to collision or theft of an eligible rental vehicle when you pay for the entire rental with your card and decline the rental company's CDW.
Travel Accident Insurance
Up to $250,000Provides coverage for accidental death or dismemberment while traveling on a common carrier when the fare is purchased with your card.
Baggage Delay Insurance
Up to $100 per day for 3 daysReimburses you for the purchase of essential items when your checked luggage is delayed by a common carrier for a specified period (e.g., 3 hours or more).
Lost or Damaged Luggage Insurance
Up to $3,000 per tripProvides coverage for lost or damaged checked or carry-on luggage when traveling on a common carrier and the fare is purchased with your card.
Trip Cancellation/Interruption Insurance
Up to $1,500 per person, $5,000 per tripReimburses non-refundable passenger fares if a trip is canceled or interrupted for covered reasons, such as illness or severe weather, when the trip is purchased with your card.
Benefits Summary (Flags)
PENDINGExtended Warranty
Purchase Protection
Cell Phone Protection
Travel Insurance
Primary Rental Protection
Airport Lounge Access
Trip Delay Coverage
Lost Luggage Coverage
Price Protection
Concierge Service
No Foreign Fees
ShopRunner
Sign-Up Bonus
PENDING$100
Cash BackRequirement: Spend $500 in 90 days
Timing: Please allow 6-8 weeks after you have met the spend requirement for the cash back bonus to be added to your account.
Fee Structure
PENDING| Annual Fee: | $0.00 |
| Year 1 Waived: | No |
| Effective Annual Fee: | $0.00 |
| Authorized User Fee: | $0.00 |
| Penalty APR: | 29.99% |
| Min Interest Charge: | $2.00 |
Additional Fees
PENDING| Late Fee: | $40.00 |
| Returned Payment: | $40.00 |
| Balance Transfer: | Either $5 or 5% 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 & APR
PENDINGStandard APR
Purchase APR: 21.24% - 29.24%
Cash Advance APR: 29.99%
Intro APR Offers
Intro Purchase APR: 0% for 15 months
Intro BT APR: 0% for 15 months
Approval Criteria & Requirements
PENDINGCredit Score Requirements
Application Process
Issuer Rules & Policies
PENDINGRules: To be eligible for the AARP Travel Rewards Mastercard, applicants must be at least 18 years old, a U.S. resident, and possess a good to excellent credit score. A key application rule for Barclays is the '6/24 Rule,' meaning applicants cannot have opened more than 6 new credit card accounts (from any issuer) in the past 24 months. The typical sign-up bonus structure for this card involves earning a specific amount of bonus points or cashback after spending a set amount (e.g., $1,000) within the first 3 months of account opening. This bonus is generally not available to applicants who have previously received a sign-up bonus for this specific product within the last 24 months.
Max Cards Per Issuer: 3
Min Spend Interval: 3 months
Cliff Effect Rules: Bonus eligibility for the AARP Travel Rewards Mastercard is typically restricted to one bonus per product per 24 months. While Barclays does not have extensive 'card family' rules like some other issuers, having or previously holding other Barclays cards generally does not preclude eligibility for this specific product's bonus, unless it is a direct product upgrade or downgrade.
International Friendly: Yes
User Analytics & Insights
PENDINGUser Ratings
Average Rating: 3.7 / 5.0
Top Positive:
Users appreciate the solid rewards on travel and dining, the absence of an annual fee, and the valuable sign-up bonus, especially for AARP members.
Top Negative:
Some users find the redemption options somewhat restrictive and note that the rewards rate, while good for a no-annual-fee card, might not be competitive with premium travel cards. Occasional complaints about customer service are also noted.
Approval Experience: 80.0 / 100
Recommended Alternatives
- Chase Freedom Unlimited
- Capital One SavorOne Cash Rewards Credit Card
- Wells Fargo Autograph Card
Card Value Score: 75.0 / 100
Est. Annual Rewards: $350.00
Approval Probability: 75.0%
Version Control
PENDINGVersion ID: v2023.09