Chase AARP Visa $200 Sign Up Bonus

Posted by Madison on July 14, 2017

The AARP credit card from Chase just doubled their sign up bonus to $200. The sign up bonus is usually $100.

We joined AARP to get this card years ago. Despite common assumptions, you can join AARP at any age! Although to get the card and sign up bonus, you don’t actually need to join AARP anymore.

The Chase AARP credit card earns 1-3% cash back on purchases. The Chase AARP card cash back for restaurants at 3% is a good card to use when restaurants are not on the list for quarterly 5% rotating credit cards.

It’s Free Money Friday!

How to Get Your Chase AARP Visa Rewards Credit Card $200 Sign Up Bonus

  1. Open a new AARP Chase credit card.
  2. Make at least $500 in purchases in the first 3 months.
  3. Receive 20,000 bonus points, which you can redeem for $200 cash back.

Find and compare all current credit card offers in our credit card directory.

AARP Credit Card Cash Rewards Bonus

AARP Visa Card Terms and Conditions

  • No Annual Fee.
  • This product is not available to either (i) current cardmembers of this credit card, or (ii) previous cardmembers of this credit card who received a new cardmember bonus for this credit card within the last 24 months.
  • Your points don’t expire as long as your account is open.

More on AARP Chase Credit Card

Earning Cash Back. You will earn 3% cash back on gas stations and restaurants and 1% cash back on all other purchases.

Redeeming Cash Back. AARP credit card cash back is earned as points, which can be redeemed for cash back. 1% cash back equals 1 point. If you choose to redeem AARP Chase rewards for cash back, 1 point equals $0.01 cash back. For example, 2,500 points can be redeemed for a $25 bonus. You can redeem your points for a statement credit or direct deposit into your checking or savings account.

Chase 5/24. The AARP cash back card is not subject to the Chase 5/24 rule.

AARP Membership

You do not need an AARP membership to apply for the card. The card says it’s designed for AARP members and the application asks for your membership number. However, I was able to bypass the first screen without entering a number. I also found data points for recent applications without a membership number.

If you prefer to become a member first to get a membership number, you can join AARP for $16. You can join AARP with a limited membership at any age. The AARP membership includes a free membership for your spouse, you can coordinate your AARP Visa sign up bonus to double it. As long as your spouse opens an AARP Chase credit card within the year, they can use the free membership.

My husband and I just joined AARP to get the card six years ago but did not need to renew our membership to keep the card. When we first mentioned this card, a reader Rory voiced concern about the AARP organization. As always, I encourage you to only take advantage of deals that you feel comfortable with. If the AARP’s mission doesn’t align with your values, then by all means, pass on this deal. There will always be another Free Money deal…. next Friday of course!

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Comments to Chase AARP Visa $200 Sign Up Bonus

  1. At this point I should admit that for the short period I was a member of the AARP I did get one of these credit cards. At that time it was for a large 0% interest loan. I dropped my membership over 18 months ago but still have the card (which I don’t use anymore but haven’t cancelled for credit rating purposes).
    So if you want to take advantage of this deal you can contribute your $15 to the #1 most powerful lobby in the United States and get the card and then if you don’t feel they have your best interests at heart cancel your membership and keep on using the Credit Card.
    If you are less ethical, you can continue to use the membership card and get some of the other benefits. This article is a couple of years old, but some of the benefits may still apply:

    Rory Rohde

  2. Please keep in mind that there is annual cap on the rewards on the AARP card of $600.


    • I just read through their info and they said there was not a cap. I will have to find the link.


  3. I have an AARP credit card. I have clicked on several highlights trying find the rewards available and how many points I have. PLEASE, email the exact steps to reach reward points so I can redeem my current amount.

    Phyllis Ottens

    • Hi Phyllis,

      Here’s how to redeem your rewards:

      1) Login at
      2) Click “show rewards” under your account summary; then click “see reward details”, and finally “redeem rewards”.
      3) Now you can browse the rewards and select the gift card or cash you want to redeem for your points and add it to your cart.
      4) Once you have your cart full of the rewards you want, finish your checkout and your rewards will be on their way.

      I hope that helps!


  4. Is AARP Chase VISA still giving 5% back? Do you know if this a Platinum level card or Signature level card? Do you know if Chase reflects my credit limit on the Signature card to the three credit reporting bureaus? I want to lower my credit utilization, but need to make sure that the credit limit is shown on my credit report like my other charge cards.


    • Jim, the card is no longer giving 5% cash back. The new offer is for 3% cash back on restaurants and gas and 1% on all other purchases.

      My card shows as a Visa Signature card and the credit limit shows on my credit report.


  5. Do you know if you automatically apply for the card just for being an aarp Member? Last time i applied for a card that i rec’d a mail offer for, i was declined but approved for a worthless card with a high interest rate.


    • Meant to say “automatically qualify”


    • Ash, you will not automatically be approved for the Chase AARP card. Chase will evaluate your credit to approve or deny you for the card.


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