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Barclays US (Barclays Bank Delaware) · Mastercard

AARP® Essential Rewards Mastercard® from Barclays

Balance TransferCash BackNo Annual FeeRewardsTravel Insurance

The AARP® Essential Rewards Mastercard® from Barclays is a Mastercard from Barclays US (Barclays Bank Delaware) with an annual fee of $0. Here is what we hold on it, and what we do not.

Annual fee$0per yearChecked cards.barclaycardus.com
Top earn rate3%on DrugstoresChecked cards.barclaycardus.com
Welcome offer$100estimated valueChecked cards.barclaycardus.com
Apply on Barclays US (Barclays Bank Delaware)Compare this card
Opens Barclays US (Barclays Bank Delaware)’s site

Bank with branches in: Delaware (1). Where it has branches is not a rule on who may apply.

Source: FDIC BankFind (api.fdic.gov) · read Oct 7, 2026

Ledger entry

The receipt

Every cost line we hold for the AARP® Essential Rewards Mastercard® from Barclays, exactly as recorded.

Annual fee
$0Checked cards.barclaycardus.com
Supplementary card
Not confirmed
Foreign transaction
3%Checked cards.barclaycardus.com
Purchase APR
Not confirmedWe couldn't verify this · check with the issuer
Income requirement
Not confirmed
Network
Mastercard
Credit needed
Not confirmed
Sign-up

The welcome offer

Earn a $100 Cash Back Bonus after spending $500 on purchases in the first 90 days of account opening

Checked cards.barclaycardus.com
Est. value$100Checked cards.barclaycardus.com
Min. spend$500within 90 daysChecked cards.barclaycardus.com
Rewards

What it earns

Published category multipliers for the AARP® Essential Rewards Mastercard® from Barclays.

CategoryEarn rateCap
Drugstores3%No cap on file
Gas & Fuel3%No cap on file
eligible Medical expenses2%No cap on file
Other1%No cap on file
Checked cards.barclaycardus.com
Included

Perks & benefits

Card benefits

  • No liability for unauthorized charges
  • Complimentary online access to FICO Credit Score
  • Rewards redeemable for cash back, statement credits, AARP memberships, gift cards, and merchandise
  • Rewards never expire while account is open and in good standing
  • $0 annual fee
  • Barclays donates $10 to AARP Foundation per new account plus 1% of eligible electronic/telecom purchases
Next step

Ready to apply for the AARP® Essential Rewards Mastercard® from Barclays?

You'll finish the application on Barclays US (Barclays Bank Delaware)'s own site. Terms can change without notice, so check the fee and offer there before you commit.

Apply nowOpens Barclays US (Barclays Bank Delaware)’s site
Questions

Questions about the AARP® Essential Rewards Mastercard® from Barclays

How much is the AARP® Essential Rewards Mastercard® from Barclays annual fee?

The AARP® Essential Rewards Mastercard® from Barclays has an annual fee of $0. Weigh that against the rewards and perks you will actually use.

What does the AARP® Essential Rewards Mastercard® from Barclays earn?

The AARP® Essential Rewards Mastercard® from Barclays earns 3% on drugstores, plus published rates on 3 other categories. The full table is on this page.

What network is the AARP® Essential Rewards Mastercard® from Barclays on?

The AARP® Essential Rewards Mastercard® from Barclays runs on the Mastercard network, which determines where it is accepted and which network-level benefits apply.

Is the AARP® Essential Rewards Mastercard® from Barclays available in United States?

Yes — the AARP® Essential Rewards Mastercard® from Barclays is issued by Barclays US (Barclays Bank Delaware) and is available to eligible applicants in United States. Approval depends on the issuer's own credit and income criteria.

When were the AARP® Essential Rewards Mastercard® from Barclays figures last checked?

We checked its annual fee in September 2026, its foreign transaction fee in September 2026, its earn rates in September 2026 and its welcome offer in September 2026, each against a published document. We could not verify, so we do not print: purchase APR. Check them with Barclays US (Barclays Bank Delaware). Terms can change without notice, so confirm the current details with Barclays US (Barclays Bank Delaware) before you apply.