cancel
Showing results for 
Search instead for 
Did you mean: 

AARP by Chase: 3% restaurants and gas: opinions?

Frequent Contributor

Re: AARP by Chase: 3% restaurants and gas: opinions?


trant3 wrote:

I picked up the card during the $200. Never used it once after the bonus was received. Since then, the card has been closed. I hated the logo and the "old" people stigma while using it.


I definitely see the reasoning here. However I'd probably just take it as an opportunity to say it gets 3% off restaurants and gas. I had a cashier give an odd look at my Sallie Mae one time and say something about having loans through them, to which I briefly responded about the rewards. I'd use the ugliest card in the world if it meant getting good rewards.

Barclay Rewards - $10,200 | Quicksilver - $16,000 | Discover It - $34,000 | Citi DC - $6,100 | EX FICO (Discover CSC) 780
Message 11 of 29
Valued Contributor

Re: AARP by Chase: 3% restaurants and gas: opinions?

I also have the card since the $200 promo last year. It was an easy way to CLI my Freedom by transfering some limit. DW has Sallie Mae for gas. I use Freedom/Discover during the 5% quarter, now with Chase SR I'll use that for restaurants. No use for AARP after the 0% promo in 2 months.

 

I don't like closing/PC/downgrade cards with less than 2 years, so I'll wait a year then transfer the limit to Freedom.

Message 12 of 29
Established Contributor

Re: AARP by Chase: 3% restaurants and gas: opinions?

My DW and I use our AARP for gas and restaurants only. I use a couple other cards for 5% but ultimately come back to the AARP.

I signed up when they offered the $200 bonus.

 

Every restaurant and every gas station we have come across has been 3%, this includes fast food, bars and cafes and juice bars. I don't know about caterers but we may try it if we ever need one .

 

My brother is a truck driver and you wouldn't believe the money he has made off this unlimited 3% card.

 

I am in it for rewards, I could care less what the card looks like or the looks I receive for having it.

 


SunriseEarth wrote:

Perhaps someone with AARP can answer this, but is Chase AARP as specific with the MCC for "Restaurants" as Cash+ is?   In other words, do related MCCs (Fast Food, Bars & Cafes, Caterers) also get 3% with AARP?   With Cash+, it's very specific.   Marvel gives the 3% on the 4 dining MCCs.

 

Anyway, the people with AARP seem to like the card, despite looks of curiousity for cardholders below "AARP" age.  


 

 

~All Thanks to the education I received from MyFicoers~ | 100K CLUB 10/31/16 |

Fico Scores: | Amex EX 763 | Discover TU 763/EX 763 | Capital One 763 | Barclay TU 771 | Huntington EQ 749 | Citi EQ 758 | Sam's TU 763 | Amazon TU 763 | Chase TU 763(Update 5/28/17 Mowing the Lawn 1/6/17) | Goal 799
Message 13 of 29
Frequent Contributor

Re: AARP by Chase: 3% restaurants and gas: opinions?


JamP wrote:

My DW and I use our AARP for gas and restaurants only. I use a couple other cards for 5% but ultimately come back to the AARP.

I signed up when they offered the $200 bonus.

 

Every restaurant and every gas station we have come across has been 3%, this includes fast food, bars and cafes and juice bars. I don't know about caterers but we may try it if we ever need one .

 

My brother is a truck driver and you wouldn't believe the money he has made off this unlimited 3% card.

 

I am in it for rewards, I could care less what the card looks like or the looks I receive for having it.

 


SunriseEarth wrote:

Perhaps someone with AARP can answer this, but is Chase AARP as specific with the MCC for "Restaurants" as Cash+ is?   In other words, do related MCCs (Fast Food, Bars & Cafes, Caterers) also get 3% with AARP?   With Cash+, it's very specific.   Marvel gives the 3% on the 4 dining MCCs.

 

Anyway, the people with AARP seem to like the card, despite looks of curiousity for cardholders below "AARP" age.  


 

 


Knowing how generous they are with the MCC coding makes this even more tempting. Might have to pick this up next actually, especially if the $200 pops up again.

Barclay Rewards - $10,200 | Quicksilver - $16,000 | Discover It - $34,000 | Citi DC - $6,100 | EX FICO (Discover CSC) 780
Message 14 of 29
Contributor

Re: AARP by Chase: 3% restaurants and gas: opinions?


Themanwhocan wrote:

The 10th option is to join Navy Federal Credit Union, and then get the Go Rewards card. 3X restaurants, 2X gas, 1X everything else.

 

Unless you primarily eat at Fast Food restaurants, then the Cash+ is king. And the 5% rotating category cards in certain quarters...

 

The Marvel card is what I would prefer to use, of the 3% cards. Automatic monthly redemptions, and large credit limits.


The only thing against NFCU GoRewards, for me, is $50 minimum to redeem, whereas AARP has no min.

Message 15 of 29
Senior Contributor

Re: AARP by Chase: 3% restaurants and gas: opinions?


IvyRain wrote:

Themanwhocan wrote:

The 10th option is to join Navy Federal Credit Union, and then get the Go Rewards card. 3X restaurants, 2X gas, 1X everything else.

 

Unless you primarily eat at Fast Food restaurants, then the Cash+ is king. And the 5% rotating category cards in certain quarters...

 

The Marvel card is what I would prefer to use, of the 3% cards. Automatic monthly redemptions, and large credit limits.


The only thing against NFCU GoRewards, for me, is $50 minimum to redeem, whereas AARP has no min.


AARP has $20 minimum redemption for cash. What redemption option were you seeing that has no minimum?

 

The Marvel card has no minimum, if thats the card you meant.





TU-8: 755 EX-8: 771 EQ-8: 763    EX-8 Bankcard: 815    
TU-9 Bankcard: 795 EQ-9: 822
   EX-98: 735 EQ-04: 730
Total $437,800
Message 16 of 29
Contributor

Re: AARP by Chase: 3% restaurants and gas: opinions?

Oops, sorry I misspoke. I guess I meant you didn't have to redeem in exact increments. For example, after meeting the spend requirement and getting $100 bonus, I was able to redeem 10,509 points for $105.09.
Message 17 of 29
Community Leader
Super Contributor

Re: AARP by Chase: 3% restaurants and gas: opinions?

Even Starbucks counts as a restaurant on the AARP card. I have the AARP and the NFCU GoRewards. Both are excellent for dining. I am planning a long weekend in New Orleans and plan to take both.


Daily Drivers: Penfed Platinum Rewards; NFCU GoRewards; Discover; NASA Platinum Cash Rewards. EQ: 763 TU: 737 EX: 787
Message 18 of 29
Frequent Contributor

Re: AARP by Chase: 3% restaurants and gas: opinions?

Love my Aarp card. Got this card just last month and just by spending on regular gas and food i have got 25$ inrewards plus 100$ bonus. it counts fast food resturants as well. like mc donalds , tacobell etc. and it also counts murphys for gas 3%. its a great card to have for those who drive a lot and eat out a lot. i love the card design. age issue does not bother us at all. feels silly to care about it. lol

QS 7K | Disc11.5k | Amex Evday 6.9K | AmexBluCsh 20K| NFCU cashrewrds15.5K | NFCU more rewards amex 9.7K|Penfed cshrewrds 5K | Penfed travel Amex 5K|Consumers Cu Visa signature Cash rebate 6.5K | Blispay 2K| Citi Sim 8.5K|Citi Double cash 7.1k| Chase Aarp 4.2K | Chase amazon prime vis sig 8K | Paypal 2% Cash back 300$ | US Bank Cash+VisaSig 1k | US bankAmex 500$ | Walmart MC 10K | Wellsfargo cashwise 1.5K |2nd Disc 3.5K| Amz Store CC 5K | Care credit 5.5K |Marvel MC 5.5K |Good yearCC 2.4k - Over 150k CL all together

FICO SCORES- TU 737, EQ 710, EX 729 , AAOA 1 year. Inquiries TONS.
Message 19 of 29
Valued Member

Re: AARP by Chase: 3% restaurants and gas: opinions?

Loving all these great reactions to the card. Can't wait to come out of the garden in Jan and app for this! This will be my next card. I want to say about 80% of my monthly spend besides bills/utilities ( since i put that all on CC now too, even rent! ) is gas and food. I don't use cash any more, at all. ( unless stupid dispensary, and thats upwards of $5000/yr ) Hopefully by then there is atleast the $100 signup offer.

 

Thanks all you great myficoer's!

Gardening Till 1/1/17...
.... Actually still gardening ( Today : 4/29/17 )

Message 20 of 29