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

Super Contributor

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


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.  


Fast food and restaurants count, also purchases without a pump (no car, convenience store shopping).  But, it will be closed after reaching next reward threshold, because redundant with other cards, diluting spend.  PS, AARP gets a cut of the interest, but for us non interest holders, they do not get much (maybe swipe fee cut?)

Starting score EQ SW 563 April 2014, Fico 8 EQ 801, EX 794, TU 805 (April 2016)
Message 21 of 29
Super 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.


It is 20 minimum to redeem. Smiley Wink. Like any chase card.

Starting score EQ SW 563 April 2014, Fico 8 EQ 801, EX 794, TU 805 (April 2016)
Message 22 of 29
Contributor

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


Imperfectfuture wrote:

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.


It is 20 minimum to redeem. Smiley Wink. Like any chase card.


Freedom Unlimited has no minimum to redeem.

Message 23 of 29
Frequent Contributor

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


DeepKc wrote:

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


That's how I feel. I want it even more now that I'm learning even fast food counts for 3%. I'll hold out for a bit just in case the $200 bonus comes back in the late fall, but if not I'll be picking it up early next year. When I get this I won't have much spend to put on my Quicksilver. I was also heavily considering getting the Citi DC as well after my year of Discover double cashback is over. Decisions, decisions.

Barclay Rewards - $10,200 | Quicksilver - $16,000 | Discover It - $34,000 | Citi DC - $6,100 | EX FICO (Discover CSC) 780
Message 24 of 29
Senior Contributor

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


barthooper wrote:

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.


I'm with you! 

 

Gardening since xx/xx/xx Gardenversary xx/xx/xx Score: 08/21/17 EQ 781 TU 784 EXP 789
Current Score: 781
Goal Score: 800
Take the myFICO Fitness Challenge
Message 25 of 29
Senior Contributor

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


barthooper wrote:

DeepKc wrote:

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


That's how I feel. I want it even more now that I'm learning even fast food counts for 3%. I'll hold out for a bit just in case the $200 bonus comes back in the late fall, but if not I'll be picking it up early next year. When I get this I won't have much spend to put on my Quicksilver. I was also heavily considering getting the Citi DC as well after my year of Discover double cashback is over. Decisions, decisions.


Good decision. I Heart the DC for all noncategory spend. 

Gardening since xx/xx/xx Gardenversary xx/xx/xx Score: 08/21/17 EQ 781 TU 784 EXP 789
Current Score: 781
Goal Score: 800
Take the myFICO Fitness Challenge
Message 26 of 29
Super Contributor

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


barthooper wrote:

DeepKc wrote:

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


That's how I feel. I want it even more now that I'm learning even fast food counts for 3%. I'll hold out for a bit just in case the $200 bonus comes back in the late fall, but if not I'll be picking it up early next year. When I get this I won't have much spend to put on my Quicksilver. I was also heavily considering getting the Citi DC as well after my year of Discover double cashback is over. Decisions, decisions.


It's nice that fast food counts, but then, fast food is cheaper than restaurant dining anyway, so how many dollars you really spending on fast food to where 3% will add up to a lot of money?

 

Like others have mentioned, I find that opening a bunch of cards for 3% on this or that leads to spend dilution and only a small increase in overall rewards, but it really depends on what you're spending.

Message 27 of 29
Mega Contributor

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


kdm31091 wrote:

barthooper wrote:

DeepKc wrote:

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


That's how I feel. I want it even more now that I'm learning even fast food counts for 3%. I'll hold out for a bit just in case the $200 bonus comes back in the late fall, but if not I'll be picking it up early next year. When I get this I won't have much spend to put on my Quicksilver. I was also heavily considering getting the Citi DC as well after my year of Discover double cashback is over. Decisions, decisions.


It's nice that fast food counts, but then, fast food is cheaper than restaurant dining anyway, so how many dollars you really spending on fast food to where 3% will add up to a lot of money?

 

Like others have mentioned, I find that opening a bunch of cards for 3% on this or that leads to spend dilution and only a small increase in overall rewards, but it really depends on what you're spending.


Right, and if fast food is a lot, consider the Cash + for 5% for up to $2K a quarter.   Similarly, if gas is a big expense to make 3% attractive over a general 2% card, one of the 5% cards, such as Penfed Cash Rewards would be a lot more useful

Message 28 of 29
Highlighted
Frequent Contributor

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


kdm31091 wrote:

barthooper wrote:

DeepKc wrote:

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


That's how I feel. I want it even more now that I'm learning even fast food counts for 3%. I'll hold out for a bit just in case the $200 bonus comes back in the late fall, but if not I'll be picking it up early next year. When I get this I won't have much spend to put on my Quicksilver. I was also heavily considering getting the Citi DC as well after my year of Discover double cashback is over. Decisions, decisions.


It's nice that fast food counts, but then, fast food is cheaper than restaurant dining anyway, so how many dollars you really spending on fast food to where 3% will add up to a lot of money?

 

Like others have mentioned, I find that opening a bunch of cards for 3% on this or that leads to spend dilution and only a small increase in overall rewards, but it really depends on what you're spending.


Yes, I wouldn't say the fast food is a major selling point for me with this card. Rather it's the icing on the cake. I agree that most of the cashback would come from restaurants. I'm mainly interested for the restaurants and the (hopefully) $200 bonus.

 

I think this would be my last category specific card. I've got Sallie Mae for gas and groceries (my two largest, regular categories) as well as Amazon. Easily my next highest category is restaurants, so I think it's a decent enough increase over a 1.5-2% gen spend card. Most other spending falls under other miscellaneous merchants that can't be lumped into a category card.

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