AARP Essential Rewards Mastercard

Card Value & Cash Back Calculator
AARP® Essential Rewards Mastercard®

The AARP® Essential Rewards Mastercard® is a cash back credit card that earns bonus cash back on gas, drug store, and eligible Medical expenses. Benefits of the card include charitable contributions to the AARP foundation.

Rewards Rates

Earn Unlimited 3% Cash Back on Gas and Drug Store purchases (excluding Target and Walmart).
Earn Unlimited 2% Cash Back on eligible Medical* expenses.
Earn Unlimited 1% Cash Back on all other purchases.

*Medical purchases are defined as Dentists, Orthodontists, Osteopathic Physicians, Chiropractors, Optometrists, Ophthalmologists, Opticians, Optical Goods & Eyeglasses, Chiropodists, Podiatrists, Hospitals, Medical and Dental Laboratories, Hearing Aids, Ambulance Services, Orthopedic Goods, Prosthetic Devices, Nursing and Personal Care Facilities, Medical Services & Health Practitioners not elsewhere classified (NEC) and Doctors not elsewhere classified (NEC), as identified by the merchant category codes.

Key Cardholder Benefits

  • Charitable Contribution: Barclays will donate $10 to AARP Foundation for every new account and 1% of eligible purchases to AARP Foundation.
  • Rewards can be redeemed for cash back, AARP membership and more at
  • Redeem rewards for an AARP membership for yourself or as a gift. Options start at $16 in rewards.

Annual Fees

The AARP Essential Rewards Mastercard has a $0 annual fee.

Cash Back Calculator

Input your monthly and yearly spend amounts into the calculator to find out how much you can earn with the AARP Essential Rewards Mastercard. Compare the results side by side up to 2 credit cards to find out which cards are best for you.

Any spend entered into the primary card column (the first column) will carry over to all credit card calculators on the site, so there's no need to re-enter spend when viewing other credit cards.

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