Many people associate AARP with retirement, but it's a valuable resource for adults of all ages, offering a range of discounts and benefits that can translate directly into maximizing your credit card rewards. At RewardSmart, we're always looking for ways to help you earn more points, miles, or cash back on your purchases, and AARP membership can be a surprising ally.

Beyond Senior Discounts: AARP Perks for Everyone

AARP membership opens doors to savings on travel, dining, entertainment, and even everyday expenses like groceries and prescriptions. While the specific discounts vary, the potential impact on your wallet is significant. For example, AARP often has partnerships with rental car companies, hotels, and restaurants, offering discounts ranging from 5% to 20%.

Strategic Spending: Pairing AARP with the Right Credit Card

The key to maximizing these benefits lies in strategically pairing your AARP discounts with the right credit card. Here's how:

  • Travel Rewards: If AARP offers discounts on hotels or rental cars, use a travel credit card that earns bonus points on travel purchases. Cards like the Chase Sapphire Preferred or American Express Platinum can significantly amplify your rewards earnings when combined with AARP travel discounts. For example, if you save 10% on a hotel stay through AARP and then earn 5x points on that purchase with your Chase Sapphire Preferred, you're essentially double-dipping on savings and rewards.
  • Dining Rewards: Many AARP discounts extend to restaurants. Use a credit card that offers bonus points or cash back on dining purchases, such as the Capital One SavorOne card or the American Express Gold card. This combination allows you to save money on your meal while simultaneously earning valuable rewards.
  • Everyday Spending: AARP also provides discounts on everyday essentials. Consider using a general rewards card, like a 2% cash back card, for these purchases. While the rewards rate might not be as high as a category-specific card, it provides a consistent return on all your AARP-discounted spending.

Actionable Tips for RewardSmart Users

  1. Review AARP's website: Regularly check the AARP website for updated discounts and partnerships. They frequently add new offers, so staying informed is crucial.
  2. Compare discounts and credit card rewards: Before making a purchase, compare the AARP discount with the potential rewards you could earn using different credit cards. Choose the combination that provides the greatest overall value.
  3. Use the RewardSmart app: Track your AARP savings and credit card rewards in the RewardSmart app to monitor your progress and identify opportunities for optimization.
  4. Consider AARP's insurance benefits: AARP offers various insurance products, including auto and home insurance. Evaluate these options and use a credit card that earns bonus points on insurance premiums, if available.

The Bottom Line

Don't overlook the potential of AARP membership to boost your credit card rewards. By strategically combining AARP discounts with the right credit cards, you can save money and earn valuable rewards on a wide range of purchases. Start exploring AARP's benefits today and use RewardSmart to track and maximize your savings and earnings.