Barclays
AARP® Essential Rewards Mastercard®
Cash back only
Annual fee
No annual fee
Welcome bonus
$100 cash back
Min spend
$500 in 90 days
Recommended credit
Good (670+)
Offer last verified July 7, 2026. How we verify.
Earning rates
3% cash back on gas and drugstore purchases (excluding Target and Walmart)
2% cash back on eligible medical expenses
1% cash back on all other purchases
$100 cash back after $500 in purchases in the first 90 days
No caps on cash back, and rewards do not expire while the account is open
0% intro APR on balance transfers for 15 months (transfers made within 45 days)
3% foreign transaction fee
Features & benefits
AARP membership is not required to apply
No annual fee
How does it rank for your spending?
Every card is ranked by what it actually returns on the way you spend. Run your numbers and see where the AARP® Essential Rewards Mastercard® lands.
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