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As we age, we tend to become more financially conscious. We want to save money wherever we can, but we don’t want to sacrifice the things we enjoy, like traveling. Fortunately, the AARP Travel Credit Card can help us do both. This credit card is designed specifically for AARP members who love to travel. In this article, we’ll explore everything you need to know about this card, including its benefits, features, and frequently asked questions.
What is the AARP Travel Credit Card?
The AARP Travel Credit Card is a credit card that is exclusively available to AARP members. This card is issued by Barclays Bank Delaware, and it offers a range of benefits that are designed to help AARP members save money while traveling. These benefits include cashback rewards, travel discounts, and no foreign transaction fees.
What Are the Benefits of the AARP Travel Credit Card?
The AARP Travel Credit Card offers a range of benefits that are designed to save you money while traveling. Here are some of the key benefits:
- Cashback rewards: With the AARP Travel Credit Card, you can earn cashback rewards on every purchase you make. You’ll earn 3% cashback on travel-related purchases, including airline tickets, hotels, car rentals, and cruises. You’ll also earn 1% cashback on all other purchases.
- Travel discounts: The AARP Travel Credit Card offers a range of travel discounts, including discounts on hotels, rental cars, and cruises. These discounts can help you save money on your next vacation.
- No foreign transaction fees: Many credit cards charge a foreign transaction fee when you use your card outside of the United States. However, the AARP Travel Credit Card has no foreign transaction fees, which can save you a significant amount of money if you travel internationally.
- Chip-and-PIN technology: The AARP Travel Credit Card features chip-and-PIN technology, which provides an extra layer of security when you use your card. This technology is widely used in Europe and other parts of the world.
Overall, the AARP Travel Credit Card is an excellent choice for AARP members who love to travel. With its cashback rewards, travel discounts, and no foreign transaction fees, this card can help you save money on your next vacation.
How Do I Apply for the AARP Travel Credit Card?
If you’re an AARP member and you’re interested in applying for the AARP Travel Credit Card, you can apply online on the Barclays website. To apply for the card, you’ll need to provide your personal information, including your name, address, and Social Security number. You’ll also need to provide information about your income and employment status.
Once you submit your application, Barclays will review your application and let you know if you’re approved. If you’re approved, you’ll receive your AARP Travel Credit Card in the mail within a few weeks.
Are There Any Fees Associated with the AARP Travel Credit Card?
Like most credit cards, the AARP Travel Credit Card has some fees associated with it. Here are some of the fees you should be aware of:
- Annual fee: The AARP Travel Credit Card has an annual fee of $0, which means you won’t have to pay anything to use the card.
- Balance transfer fee: If you transfer a balance to the AARP Travel Credit Card, you’ll pay a fee of either $5 or 3% of the transfer amount, whichever is greater.
- Cash advance fee: If you use your card to get a cash advance, you’ll pay a fee of either $10 or 5% of the advance amount, whichever is greater.
- Late payment fee: If you make a late payment on your AARP Travel Credit Card, you’ll be charged a fee of up to $39.
Overall, the fees associated with the AARP Travel Credit Card are fairly standard for a credit card. However, the card’s lack of an annual fee and no foreign transaction fees make it a great option for AARP members who want to save money while traveling.
What is the APR for the AARP Travel Credit Card?
The APR for the AARP Travel Credit Card varies based on your creditworthiness. However, the card’s APR ranges from 15.99% to 23.99%. If you have good credit, you may qualify for a lower APR. If you have poor credit, you may qualify for a higher APR.
It’s important to note that the AARP Travel Credit Card has a variable APR, which means that it can change over time based on market conditions. If the Federal Reserve raises interest rates, your card’s APR may increase. If the Federal Reserve lowers interest rates, your card’s APR may decrease.
Is the AARP Travel Credit Card Worth It?
Whether or not the AARP Travel Credit Card is worth it depends on your individual needs and spending habits. If you’re an AARP member who loves to travel, this card can help you save money on your next vacation. With its cashback rewards, travel discounts, and no foreign transaction fees, this card can help you get more value out of your travel expenses.
However, if you don’t travel very often or if you prefer a credit card with a lower APR, the AARP Travel Credit Card may not be the best choice for you. It’s important to compare the benefits and fees of this card to other credit cards to determine which one is right for you.
Conclusion
The AARP Travel Credit Card is an excellent choice for AARP members who love to travel. With its cashback rewards, travel discounts, and no foreign transaction fees, this card can help you save money on your next vacation. However, it’s important to compare this card to other credit cards to determine which one is the best fit for your individual needs and spending habits.