AARP Travel Rewards

Earn a one-time $100 cash back bonus when you spend $500 on purchases within the first 90 days of opening your account. The bonus is automatically credited to your rewards balance — no activation needed. The 90-day window starts on your account opening date, so plan early purchases accordingly.

Earn 3% cash back when you pay directly with airlines, hotels, and car rental companies. Booking through third-party travel sites may only earn the base 1% rate, so booking direct gets you the most back.

Earn 2% cash back at restaurants, whether you're grabbing fast food or dining at a sit-down spot. The rate applies automatically to dining purchases — no enrollment or category activation needed.

Every purchase that doesn't qualify for a higher category earns 1% cash back automatically. This covers things like groceries, gas, and general retail with no cap on how much you can earn.

Pay no added fees when you use your card for purchases made outside the U.S. or billed in a foreign currency. This applies to in-store, online, and travel purchases internationally. Many cards charge 2–3% per foreign transaction, so using this card abroad keeps the full purchase price.

Get free access to your FICO® Credit Score through your online account or mobile app, updated regularly so you can track changes over time. Your score is based on your Experian credit report. Checking it here does not affect your credit score.