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3% cash back on travel with $0 annual fee and no foreign transaction fees
Earn 3% unlimited cash back on airfare, hotel stays, and car rentals, plus 2% on restaurants — all with no annual fee, no foreign transaction fees, and a $100 welcome bonus after just $500 in spending. Rewards never expire and can be redeemed for cash, statement credits, gift cards, or AARP memberships starting at $16.
$0
Annual Fee
3X
Top Rate
Annual Fee
$0
Foreign Transaction Fee
$0
Network
Mastercard Standard
Rewards Currency
Cash
Credit Required
Excellent
3X
Earn Unlimited 3% Cash Back On Airfare
3X
Earn Unlimited 3% Cash Back On Car Rentals.
3X
Earn Unlimited 3% Cash Back On Hotel Stays.
2X
Earn Unlimited 2% Cash Back on Restaurant purchases.
Spend $5,000 on flights, hotels, and car rentals per year and earn $150 in cash back — with no cap and no annual fee eating into your rewards.
Spend $3,000 at restaurants annually and earn $60 in cash back — double what a standard 1% card would return.
On $15,000 in other annual spending, earn $150 in cash back. Combined with travel and dining, a typical cardholder earns $360+ per year.
Benefits & Perks
Combined Protection Value
$100
No liability for unauthorized transactions with prompt fraud reporting.
Monitor your credit file for suspicious activity with alerts for new inquiries, address changes, and accounts.
Reviews & Analysis
| Publication | Rating | Rank | Notes |
|---|---|---|---|
| Business Insider | 3.7/5 |
With $0 annual fee and no foreign transaction fees, the AARP Travel Rewards Mastercard earns 3% on airfare, hotels, and car rentals plus 2% on dining. A $100 bonus requires only $500 spend, and 0% intro APR on balance transfers adds debt consolidation value.
Details & Terms
| Foreign Transaction Fee | $0 |
Media & Resources
3% cash back on travel with $0 annual fee and no foreign transaction fees
Earn 3% unlimited cash back on airfare, hotel stays, and car rentals, plus 2% on restaurants — all with no annual fee, no foreign transaction fees, and a $100 welcome bonus after just $500 in spending. Rewards never expire and can be redeemed for cash, statement credits, gift cards, or AARP memberships starting at $16.
$0
Annual Fee
3X
Top Rate
Annual Fee
$0
Foreign Transaction Fee
$0
Network
Mastercard Standard
Rewards Currency
Cash
Credit Required
Excellent
3X
Earn Unlimited 3% Cash Back On Airfare
3X
Earn Unlimited 3% Cash Back On Car Rentals.
3X
Earn Unlimited 3% Cash Back On Hotel Stays.
2X
Earn Unlimited 2% Cash Back on Restaurant purchases.
Spend $5,000 on flights, hotels, and car rentals per year and earn $150 in cash back — with no cap and no annual fee eating into your rewards.
Spend $3,000 at restaurants annually and earn $60 in cash back — double what a standard 1% card would return.
On $15,000 in other annual spending, earn $150 in cash back. Combined with travel and dining, a typical cardholder earns $360+ per year.
Benefits & Perks
Combined Protection Value
$100
No liability for unauthorized transactions with prompt fraud reporting.
Monitor your credit file for suspicious activity with alerts for new inquiries, address changes, and accounts.
Reviews & Analysis
| Publication | Rating | Rank | Notes |
|---|---|---|---|
| Business Insider | 3.7/5 |
With $0 annual fee and no foreign transaction fees, the AARP Travel Rewards Mastercard earns 3% on airfare, hotels, and car rentals plus 2% on dining. A $100 bonus requires only $500 spend, and 0% intro APR on balance transfers adds debt consolidation value.
Details & Terms
| Foreign Transaction Fee | $0 |
Media & Resources
3% cash back on travel with $0 annual fee and no foreign transaction fees
Earn 3% unlimited cash back on airfare, hotel stays, and car rentals, plus 2% on restaurants — all with no annual fee, no foreign transaction fees, and a $100 welcome bonus after just $500 in spending. Rewards never expire and can be redeemed for cash, statement credits, gift cards, or AARP memberships starting at $16.
$0
Annual Fee
3X
Top Rate
Annual Fee
$0
Foreign Transaction Fee
$0
Network
Mastercard Standard
Rewards Currency
Cash
Credit Required
Excellent
3X
Earn Unlimited 3% Cash Back On Airfare
3X
Earn Unlimited 3% Cash Back On Car Rentals.
3X
Earn Unlimited 3% Cash Back On Hotel Stays.
2X
Earn Unlimited 2% Cash Back on Restaurant purchases.
Spend $5,000 on flights, hotels, and car rentals per year and earn $150 in cash back — with no cap and no annual fee eating into your rewards.
Spend $3,000 at restaurants annually and earn $60 in cash back — double what a standard 1% card would return.
On $15,000 in other annual spending, earn $150 in cash back. Combined with travel and dining, a typical cardholder earns $360+ per year.
Benefits & Perks
Combined Protection Value
$100
No liability for unauthorized transactions with prompt fraud reporting.
Monitor your credit file for suspicious activity with alerts for new inquiries, address changes, and accounts.
Reviews & Analysis
| Publication | Rating | Rank | Notes |
|---|---|---|---|
| Business Insider | 3.7/5 |
With $0 annual fee and no foreign transaction fees, the AARP Travel Rewards Mastercard earns 3% on airfare, hotels, and car rentals plus 2% on dining. A $100 bonus requires only $500 spend, and 0% intro APR on balance transfers adds debt consolidation value.
Details & Terms
| Foreign Transaction Fee | $0 |
Media & Resources
You won't be held responsible for unauthorized transactions made in store, online, or via mobile device.
Report lost or stolen cards 24/7 and get emergency card replacement and cash advance assistance worldwide.
Complimentary HealthLock membership to monitor and protect your medical identity and data.
Items purchased with your card are covered against damage or theft for 45 days, up to $100 per claim.
| Source | Date | URL |
|---|---|---|
| — | — | View source |
| — | — | View source |
You won't be held responsible for unauthorized transactions made in store, online, or via mobile device.
Report lost or stolen cards 24/7 and get emergency card replacement and cash advance assistance worldwide.
Complimentary HealthLock membership to monitor and protect your medical identity and data.
Items purchased with your card are covered against damage or theft for 45 days, up to $100 per claim.
| Source | Date | URL |
|---|---|---|
| — | — | View source |
| — | — | View source |
You won't be held responsible for unauthorized transactions made in store, online, or via mobile device.
Report lost or stolen cards 24/7 and get emergency card replacement and cash advance assistance worldwide.
Complimentary HealthLock membership to monitor and protect your medical identity and data.
Items purchased with your card are covered against damage or theft for 45 days, up to $100 per claim.
| Source | Date | URL |
|---|---|---|
| — | — | View source |
| — | — | View source |
