The AARP card from Chase doubles its sign-up bonus to $200

By  |  Published: August 8, 2017

AARP card from Chase

The editorial content below is based solely on the objective assessment of our writers and is not driven by advertising dollars. However, we do receive compensation when you click on links to products from our partners. Learn more about our advertising policy

The AARP card from Chase has doubled its cash back bonus for a limited time. The new offer pays $200 when you apply for the card by Aug. 25, 2017 and spend $500 in the first three months. In addition to the $200 bonus, the AARP card from Chase offers cash back rewards on popular, everyday purchases, including:

  • 3 percent cash back at restaurants
  • 3 percent cash back at gas stations
  • 1 percent cash back on all other purchases

Cash back can be redeemed as a statement credit or deposited directly into your checking or savings account in increments of $20. You can also redeem rewards for gift cards, travel or a redemption code that can be used to join or renew AARP membership. There are no caps on the amount of rewards you earn, and rewards do not expire as long as your account remains open.

Additional card benefits include:

  • Giving back – For each restaurant purchase you make, 10 cents will be donated to support AARP’s Drive to End Hunger, up to $1 million in 2017.
  • Purchase protection – New purchases are covered for 120 days against damage or theft, up to $500 per claim and $50,000 per account.
  • Extended warranty – Eligible warranties of three years or less are extended by one year.
  • Zero liability protection – You will not be responsible for fraudulent charges made using your card or account information.

A great card for road trippers

With the limited-time bonus offer, this is a great time to check out the Chase AARP card. The 3 percent cash back rate on gas and dining is high for a card with no annual fee, making it a good choice for domestic travelers who spend a lot of time on the road, as well as those who dine out frequently.  

Unfortunately, the card does charge a 3 percent fee for foreign transactions. If your travel plans mostly include trips outside of the U.S., you are better off searching for a travel card with no foreign transaction fee.

Comparing cards with $200 bonuses

The AARP card’s $200 offer is on the high side of the range of cash back card sign-up bonuses, which mostly fall between $100 and $150.  For example, the Blue Cash Preferred card offers $150 back after spending $1,000 in the first 3 months, while the Chase Freedom and Chase Freedom Unlimited cards offer $150 back after spending $500 in the first three months.

However, $200 offers are becoming more popular. The Barclaycard CashForward World Mastercard upped its sign-up bonus to $200 earlier this year, and Wells Fargo launched the Cash Wise Visa with a $200 sign-up bonus in April 2017.

Take a look at the chart below to see how these cards stack up against each other.

CARDS WITH $200 SIGN-UP BONUSES
Credit card Sign-up bonus Cash back rate Pros Cons
AARP card from Chase $200 after $500 spend in first 3 months • 3% on restaurant and gas station purchases
• 1% on general purchases
• No annual fee
• No limit on amount of cash you can earn
• Rewards don’t expire
• Rewards can be redeemed as a bank deposit or statement credit or for gift cards or travel
• No introductory APR offer
• Cash can only be redeemed in $20 increments
Wells Fargo Cash Wise Visa $200 after $1,000 spend in first 3 months • 1.8% on Android and Apple Pay purchases during first 12 months
• 1.5% on general purchases
• 0% intro APR on purchases and balance transfers
• $600 cell phone protection
• No annual fee
• No limit on amount of cash you can earn
• Rewards don’t expire
• Rewards can be redeemed for gift cards, merchandise, travel, cash, digital rewards and charitable donations
• Cash can only be withdrawn in increments of $20 by ATM or $25 by phone
Barclaycard CashForward World Mastercard $200 after $1,000 spend in 90 days • 5% cash back each time you redeem your rewards
• 1.5% cash back on general purchases
• 0% intro APR on purchases and balance transfers
• No annual fee
• No limit on amount of cash you can earn
• Rewards don’t expire
• Minimum redemption of $50
• Rewards cannot be redeemed for merchandise or travel

The content on this page is accurate as of the posting date. Please see the bank’s website for the most current version of the offer.

While these cards have many similarities – including $0 annual fees, cash back on every purchase, $200 sign-up bonuses and rewards that never expire – they do differ on spend thresholds required to receive the sign-up bonuses, as well as rewards rates.

The AARP card only requires cardholders to spend $500 in the first three months, which averages out to be a manageable $167 per month for three months. The Wells Fargo Visa and Barclaycard CashForward Mastercard, on the other hand, require $1,000 spend, which averages out to be approximately $333 per month for three months. While $1,000 is not generally considered a high spend threshold, it could be more difficult to reach depending on your spending habits.

As mentioned above, the AARP card is targeted to road trippers, offering a bonus rate strictly on restaurants and gas stations. The card gives you a mere 1 percent cash back on your remaining purchases, while the Wells Fargo and Barclaycard cards offer a flat 1.5 percent cash back rate on every purchase. If a large part of your budget isn’t devoted to gas and restaurants, you may be able to earn more cash back with the flat rate on these cards.

Furthermore, if you’re interested in carrying a card balance, the AARP card won’t be your best bet, since it doesn’t offer an introductory APR. While we recommend paying off your card balance in full each month, we also know that isn’t always possible. If you plan to carry a card balance or transfer a balance from a different card, you may find that either the Wells Fargo card – which offers a 0 percent APR on purchases and balance transfers for 12 months – or the Barclaycard CashForward card – which offers an even longer 0 percent introductory period of 15 months for both purchases and balance transfers – is the better way to go.

Offer restrictions

The $200 sign-up bonus offer is available to new AARP from Chase cardholders who have not received a new card member bonus for the card in the past 24 months.

While this card was designed with AARP values in mind, you do not need to be an AARP member, over the age of 50 or retired to be approved.

See related: Wells Fargo boosts the sign-up bonus for the Cash Wise Visa to $200, Chase Freedom vs. Chase Freedom Unlimited: Which is best for you?

The editorial content below is based solely on the objective assessment of our writers and is not driven by advertising dollars. However, we do receive compensation when you click on links to products from our partners. Learn more about our advertising policy


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Updated: 10-18-2017

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