All posts by Leonard Kreicas

AARP Rewards Card from Chase

Rewards
AARP Rewards Visa Card

The AARP Rewards Visa credit card offers features 3% rebates on gas and dining purchases, and has no annual fee.

Introductory Offer

Receive 10,000 point good for $100 cash back after charging $500 or more to the card within 90 days of account opening

Interest Rates

  • Purchases – 0% for 25 days if statement balance is zero
  • Purchases – 16.24% to 22.99% if statement balance is greater than zero
  • Cash Advances – 24.99%
  • Balance Transfers – 16.24% to 22.99% (if available)

Fees

  • Annual Fee: $0
  • Balance transfer: 3% ($5 min)
  • Cash advance: 5% ($10 min)
  • Foreign transaction: 3.0%
  • Late payment: up to $15 or $35
  • Returned payment: $35

Earn Rewards

  • One Member Reward point per dollar on eligible purchases
  • Three Member Reward points per dollar on eligible gas stations or restaurants

Redeem Member Reward Points

  • Minimum to redeem: 2,000 points
  • As a statement credit or direct deposit checking or savings account
  • Gift cards such Walmart, Amazon, and more
  • Travel, including flight, hotels, cruises, etc.

Purchase Services

  • Theft and accidental damage protection, including cell phones
  • Return protection within 90 days of purchase
  • Free extended warranties

Travel Benefits

  • Roadside Assistance Hotline
  • Car rental and damage insurance (excludes liability coverage)
  • Global Assist Hotline (doesn’t pay for third-party costs)
  • Travel accident insurance on common carriers

Security Features

  • Fraud Protection
  • Advanced secure chip technology
  • Text alerts

Other Card Benefits

  • Mobile banking
  • Text and/or email alerts on purchases, balances, reminders, etc.
  • Monthly summaries

Notes

Though co-branded with the American Association of Retired Persons (AARP), you don’t have to be over 55 or even a member for this credit card.

Upon approval Chase may issue either a Visa Signature Card with a credit line of at least $5,000, or a Visa Platinum Card with minimum credit line of $500. 

In effort to help those in Chase Bank will donate $0.10 for each purchase made at a restaurant to the AARP Foundation towards the support of Drive to End Hunger.

 

AAA Member Rewards review, benefits and features

Associations, , ,
AAA Dollars Plus Mastercard from US Bank

The AAA Dollars Plus Mastercard offers cardholders superior rewards on AAA purchases.

Co-branded with American Automobile Association (AAA), you need AAA membership to get this card.

INTRODUCTORY OFFER

As an added incentive to apply you receive 0% APR on purchases and balance transfers for the first 12 months.

The introductory offer includes $25 AAA dollars after first charge on the card and 125 AAA dollars when $1500 or more within initial 90 days of account opening.

People holding large balances on their current cards at the current average rate of 17.23% APR can save a significant amount of money, even with the 3% balance transfer fee.

  • $1,000 at 14.23% means keeping $142.30 in your pocket.
  • $5,000 at 14.23% means keeping $711.50 in your pocket.
  • $10,000 at 14.23% means keeping $1,423.00 in your pocket.

Once the introductory period expires though, because the APR can jump up to as high as 23.99%, i.e. the monthly payment of interest alone, on a $5,000 transfer, can go from $12.50 to $91.63 per month.

While saving money helps, paying off the balance in full before the introductory period ends is essential to keep the money in your pocket.

REWARDS

Get rewarded with AAA dollars while you shop.

  • 3% on travel and AAA purchases
  • 2% at grocery stores, gas stations, and drugstores
  • 1% for all other eligible net purchases

Interest Rates

  • Purchases – 0% for 25 days if statement balance is zero
  • Purchases – 14.99% to 23.99% when carrying a balance
  • Balance Transfers – 14.99% to 24.99% starting on transfer date
  • Cash Advances – 25.99%

Fees

  • Annual Fee: $0.00
  • Fee on balance transfer: 3% ($5 min)
  • Cash advance: 3% ($10 min) for convenience check
  • Cash: advance: 5% ($10 min) at ATM
  • Foreign transaction: none
  • Late payment: up to $40
  • Returned payment: up to $35

Redeem Reward Points

  • Merchandise such as electronics, fashion, home goods
  • Gift cards

Travel Benefits

  • Roadside Assistance Hotline
  • Car rental and damage insurance (excludes liability coverage)
  • Global Assist Hotline (doesn’t pay for third-party costs)
  • Travel accident insurance on common carriers

Security Features

  • Fraud Protection
  • Advanced secure chip technology
  • Text alerts

Other Card Benefits

  • Mobile banking
  • Text and/or email alerts on purchases, balances, reminders, etc.
  • Free FICO credit score
  • Apple Pay
  • Monthly summaries