Shhh! Anyone Can Sign-Up for the Chase AARP Card (Unlimited 3% Cash Back on Gas and Restaurants!)

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Update:   Chase confirms that points earned with the Chase AARP card can NOT be transferred to travel partners, even if you have cards like the Chase Sapphire Preferred, Chase Ink Plus, or Chase Ink Bold. 

Many of us in our hobby focus on earning miles and points to get Big Travel with Small Money.  But some folks prefer cash back!

Thanks to Million Mile Secrets readers for letting me know about the Chase AARP card.  It earns unlimited 3% cash back at restaurants and gas stations, and 1% cash back on everything else.  And it has NO annual fee.

And I’ve confirmed with Chase that you do NOT have to be an AARP member to apply for the card!

Plus, you’ll get a sign-up bonus of 10,000 points ($100 cash back) after you spend $500 on new purchases within the 1st 3 months of opening your account.

This could be a very good deal for folks who want to earn cash back without paying an annual fee.  Let’s see how it compares with other cash back cards!

What’s the Deal?

Link:   Chase AARP Card

ANYONE can apply for the Chase AARP card.  You don’t have to be an AARP member, or retired, or over 50.  Folks on MyFico Forums report getting the card without an AARP membership, and the Chase representative I spoke with confirmed this as well.

With this card, you’ll get:

  • $100 cash back after you spend $500 on new purchases in the 1st 3 months of opening your account
  • 3 points per $1 you spend (3% cash back) at restaurants and gas stations (unlimited)
  • 2 points per $1 you spend (2% cash back) on airfare and hotels when you book through Chase’s toll-free travel redemption number
  • 1% cash back on everything else (unlimited)
  • NO annual fee

Note:   This card has a 3% foreign transaction fee, so it’s  NOT good to use when you travel overseas.

I usually reach for my Sapphire Preferred card to earn 2X Chase Ultimate Rewards points at restaurants abroad.  And because it doesn’t tack on that fee.  But you might prefer to use a Capital One or Discover card for cash back without the fee.

Emily and I don’t earn a commission for the AARP card, but we’ll always tell you about the best offers.  And this is a very good deal!

Shhh Anyone Can Sign-Up For The Chase AARP Card Unlimited 3 Cash Back On Gas And Restaurants

The Chase AARP Earns Unlimited 3% Cash Back at Restaurants and Gas Stations

This is the only card I know of that gets 3% cash back at restaurants and gas stations with no limit on the amount you can earn!

There are other cards that earn 5% cash back in rotating categories that include restaurants and gas stations, like the Chase Freedom or Discover IT cards.  But the bonus is limited to a maximum of $1,500 in spending per quarter, or $75 cash back.

And you can choose restaurants or gas stations (but NOT both) as a 3% cash back category with the American Express Simply Cash business card.  But only up to a maximum of $25,000 in spending per year.

Shhh Anyone Can Sign-Up For The Chase AARP Card Unlimited 3 Cash Back On Gas And Restaurants

Other Cards Sometimes Earn More Cash Back at Gas Stations, but Only to a Maximum of $1,500 in Spending per Quarter

You can read my post about the best cash back cards for restaurant spending.  And here’s a list comparing all the cards:

CardCash Back at RestaurantsCash Back Limit Annual FeeForeign Transaction FeeSign-up Bonus
AMEX SimplyCash Plus3% cash back at U.S. restaurants if you choose this as your bonus category• up to $50,000 in spending per 12 billing cyclesNo2.7%Earn up to $500 in statement credits. Earn a $250 statement credit after you spend $5,000 or more on qualifying purchases on your Card within the first 6 months of Card Membership and earn an additional $250 statement credit after you spend an additional $10,000 or more on purchases within the 1st year of Card Membership.
Chase Ink Cash2% cash back at restaurants
• up to $25,000 in spending each card anniversary yearNo3%• 30,000 Chase Ultimate Rewards points ($300 cash back) when you spend $3,000 within 3 months
Chase Sapphire Preferred• Earn 2X points on travel and dining at restaurants & 1 point per dollar spent on all other purchases worldwideNo limit- $95 (Introductory annual fee of $0 the 1st year)No• Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $625 in travel when you redeem through Chase Ultimate Rewards®

5,000 points when you add an authorized user and they make their 1st purchase within 3 months
Barclaycard Arrival Plus• 2X points (2.1% cash back if redeemed for $100+ travel purchases) on dining and all other purchases
No limit$89 annual fee waived the 1st yearNo• 40,000 Arrival miles ($420 in cash back when you redeem for travel) when you spend $3,000 within 3 months
Citi DoubleCash1% cash back on spending and 1% cash back on paymentsNo limitNo3%No
US Bank Cash+5% cash back at fast food restaurants if you choose this as 1 of your bonus categoriesup to $2,000 in spending each quarterNo3%No
Chase Freedom5% cash back on rotating categories each quarter (sometimes includes restaurants)
• Earn 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate$03%• Earn a $150 Bonus after you spend $500 on purchases in your first 3 months from account opening
Discover It5% cash back on rotating categories including restaurants

• Earn 5% cash back at chain restaurants when you buy gift cards in other categories such as online shopping, home improvement, and gas stations.
up to $1,500 in spending each quarterNoNo$50 cash back after your 1st purchase in the 1st 3 months of opening your account
Fidelity Visa2% cash back on all spendingNo limitNo2.7%No
Chase AARP3% cash back on restaurants and at gas stationsNo limitNo3%• 10,000 points ($100 cash back) when you spend $500 within 3 months

Remember, gas stations often sell more than just gas!  You can buy gift cards to other stores, and some sell Visa and MasterCard gift cards.  🙂

This could be a good card for you if you spend a lot at restaurants and gas stations, and prefer getting cash back to earning miles and points.  Or if you want a Chase card with no annual fee.

Keeping fee-free cards open for a long time helps develop your relationship with the bank, and could improve your credit score.

Note:  You don’t have to redeem your points for cash back.  There’s also an option to redeem for gift cards, travel, or merchandise.

Bottom Line

The Chase AARP card is open to everyone, NOT just AARP members or folks over the age of 50.

You’ll get a sign-up bonus of 10,000 points ($100 cash back) after you spend $500 in new purchases in the 1st 3 months of opening your account.  And you’ll earn unlimited 3% cash back at restaurants and gas stations.

Emily and I don’t earn a commission from this card, but we’ll always tell you about the best offers!  And thanks to our readers for letting us know about the card!

If you like cash back, this a good deal!  I still prefer earning miles and points for travel.

But I’m tempted to get this card just to see the reactions I’d get when paying the bill at restaurants!  “Wow sir, you look GREAT for your age!”

Thank you!  Traveling keeps me young! 🙂

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13 responses to “Shhh! Anyone Can Sign-Up for the Chase AARP Card (Unlimited 3% Cash Back on Gas and Restaurants!)

  1. Is this like the Freedom card where you can transfer points to the CSP account rather than redeem for cash back?

  2. The points that are earned for the AARP card, are they part of the Ultimate Rewards points system? And transferable to Sapphire if need be so I can then transfer them to Partners (Hotels, Airlines, etc.?)

  3. It is only cash back you cannot transfer to points.

  4. Do you feel paying the $95 fee for the Chase Sapphire card after the first fee free year is worth it? Is this one you keep? I think someone once mentioned that an article on the cards you keep and pay a fee for and why might be helpful. I agree.

  5. I got this email from Chase:

    Thank you for contacting Chase about rewards.

    I would like to inform you that points earned on an AARP
    card are not ultimate reward points.

    Also, the option to transfer rewards from an AARP account
    to your Freedom or Sapphire accounts is unavailable.
    Rewards can only be transferred between accounts that have
    the same rewards program.

  6. If you don’t mind taking your rewards as airline tickets, then you might also be interested in the U.S. Bank FlexPerks Travel Rewards American Express Card, which earns 2 FlexPoints per $1 spent (i.e. ~3.33%) at all restaurants, including fast food restaurants.

    FlexPoints are worth between 1.33 cents and 2 cents when redeemed for airline tickets, depending on where your ticket price falls in their redemption tiers. So that’s between 2.66% and 4% at restaurants with 3.33% being a reasonable expectation for the average return on your restaurant spending with this card over time.

  7. This card does sound like a great idea, especially if I can convert an existing chase card rather than take another hard pull. Though the ‘unlimited’ is very vague. Yes it does use the term on the landing page but in the fine print it goes on to say, bonus/promotions may be limited and the exact details will be in your cardmember agreement. Im going to hold off for more info.

  8. This is the card that got me and many others banned from further business with Chase a few years ago. At that time, they offered unlimited 5% cash back for for 1st 6 months. Proceed with caution and understand the risks. Maybe the risk isn’t as high since it’s only 3% at targeted merchants as opposed to unlimited 5% but still wanted to warn.

    More details here:
    http://www.fatwallet.com/forums/finance/1072125/?start=4120

  9. Has anyone does the math on using this card to buy the gift cards as Daraius mentioned….is there a play there?

  10. Hi – just happened to come across your site. We recently received a $200 Cashback offer for a new AARP card. It came in my husband’s name and I wanted to get one of my own, as offers more than $100 are pretty rare these days. I called AARP and they said they only knew about the $100 cashback bonus. It’s a Chase card and I called Chase and they didn’t know anything about it – said to call AARP. Today is 8/18/15 and I had the offer for a couple weeks now.

    I was wondering if it’s legit – it comes in a ‘normal’ AARP envelope.
    Thanks
    Hilda

  11. Are you able to go over your credit limit amount with the chase AARP card? Thank you

  12. I have had this card for 6 months and I really love it. I am 56 and had never used credit cards but it got to be a pain trying to book hotel rooms and rental cars on my debit card. Now I use this instead of the debit card, pay it off every couple of weeks, and get back about $20.00 a month, plus the bonus $100.00 at the 3-month mark.