Many people use the terms "credit card" and "charge card" interchangeably. "No preset spending limit" is sometimes thrown into the mix. And while these cards have many similarities, they aren't the same.
31.07.2024 - 21:56 / insider.com
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The information for the following product(s) has been collected independently by Business Insider: AARP® Essential Rewards Mastercard®, Citi® Double Cash Card, AARP® Travel Rewards Mastercard®. The details for these products have not been reviewed or provided by the issuer.
AARP (formerly American Association of Retired Persons) is a nonprofit organization that advocates for Americans who are aged 50 or older. You don't need to be over 50 to be a member — anyone of any age can join by enrolling on the AARP website and paying the membership fee (starting at $16 per year).
Members receive discounts on a wide variety of services from hotel stays to medical care, and get access to AARP resources that can help in almost any area of their lives.
Previously, Chase issued the AARP credit card, but it's no longer available to new applicants. Now, AARP offers two different credit cards through Barclays, both of which come with no annual fee. You do not have to become an AARP member to apply, but you can use your rewards to pay for your membership fee if you prefer.
Read more: Best rewards credit cards
Both of the AARP credit cards are cash-back credit cards — one is geared to people who spend a lot of money on travel, and the other is ideal for expenses that are a little closer to home.
Here's what to know if you're considering either of the Barclays AARP credit cards.
We're focused here on the rewards and perks that come with each card. These cards won't be worth it if you're paying interest or late fees. When using a credit card, it's important to pay your balance in full each month, make payments on time, and only spend what you can afford to pay.
$0
0% intro APR for the first 15 billing cycles after each balance transfer made within 45 days of account opening
20.99%, 24.99% or 29.99% variable
Good to excellent
If you spend a lot of money on medical expenses and prescription drugs, the AARP® Essential Rewards Mastercard® could be up your alley. This card doesn't charge an annual fee, and you'll earn 3% back on gas stations and drugstore purchases (not including Walmart and Target), 2% back on medical expenses, and 1% back on everything else.
The card offers a $100 cash bonus when you spend $500 on purchases within 90 days of account opening. The rewards you can earn are unlimited, and they'll never expire as long as your account is open. You also get free access to your FICO credit score just for being a
Many people use the terms "credit card" and "charge card" interchangeably. "No preset spending limit" is sometimes thrown into the mix. And while these cards have many similarities, they aren't the same.
When you apply for a great travel rewards card, the last thing you want is to be turned down. The sign-up bonus, the benefits and the points earned are luring you in, so you'll want to do everything possible to be approved.
There's a good chance your credit card has some valuable benefits you might not know about. Most cards come with additional features like extended warranties, zero liability and identity theft protections, free credit monitoring and even roadside assistance.
Several rewards credit cards offer airline companion tickets as a standard benefit or as a reward for spending. Some of these companion fares are fairly easy to use, while others are more restrictive. Knowing the rules in advance will help you get the most out of them when you're ready to redeem.
While applying for a new credit card is typically the fastest and easiest way to rack up a meaningful number of points and miles, sometimes the first welcome offer you see for a given card isn't always the best.
Whether it's down the street or across the country, moving can be a pain — and an expensive one. It's shocking how much good boxes cost, and that's not even touching the decor you'll purchase for your new place or the takeout food you'll order while your kitchen is packed.
Affiliate links for the products on this page are from partners that compensate us and terms apply to offers listed (see our advertiser disclosure with our list of partners for more details). However, our opinions are our own. See how we rate credit cards to write unbiased product reviews.
One of the most popular cards among TPG staffers and readers alike is the American Express® Gold Card.
Affiliate links for the products on this page are from partners that compensate us and terms apply to offers listed (see our advertiser disclosure with our list of partners for more details). However, our opinions are our own. See how we rate credit cards to write unbiased product reviews.
Affiliate links for the products on this page are from partners that compensate us and terms apply to offers listed (see our advertiser disclosure with our list of partners for more details). However, our opinions are our own. See how we rate credit cards to write unbiased product reviews.
Affiliate links for the products on this page are from partners that compensate us and terms apply to offers listed (see our advertiser disclosure with our list of partners for more details). However, our opinions are our own. See how we rate credit cards to write unbiased product reviews.
Affiliate links for the products on this page are from partners that compensate us and terms apply to offers listed (see our advertiser disclosure with our list of partners for more details). However, our opinions are our own. See how we rate credit cards to write unbiased product reviews.