The Best Credit Cards for Seniors in 2025
We chose Barclays AARP Essential Rewards Mastercard as the best credit card for seniors because it has cash back for medical expenses, all the benefits of an AARP membership, and no annual fees.
Our team of experts researched and evaluated over a dozen credit cards and narrowed down the list to our top picks for seniors.
How We Evaluated the Best Credit Cards for Seniors
Below is the process we used to research and compare the best credit cards:
- We reviewed the requirements for applying and being eligible for each credit card.
- Our team contacted customer service representatives to review the latest deals, discounts, and card benefits. We also asked about any requirements and discussed the fine print to consider possible disadvantages for seniors.
- We read online reviews from consumers who have applied for or owned each card.
- We compared notes and narrowed down our list to the top credit cards for seniors.
How We Chose the Best Credit Cards
Here are the most important factors that helped us narrow down our list:
- Annual fees: Depending on the card and the customer’s credit history, seniors may need to pay an annual credit card fee. We focused on cards that offered low or no annual fees.
- APR: Annual Percentage Rate (APR) is partially determined by current market fees set by the individual bank or card provider, along with your credit score. We looked for providers that offer competitive APRs.
- Other fees: Most credit cards charge fees on top of the interest you accrue on any remaining balance you keep on your card. Common fees include foreign transaction fees (important to consider for seniors who travel), balance transfer fees, and overlimit fees. We looked for cards that keep fees at a minimum and benefits at a maximum.
- Eligibility requirements: We included a wide range of credit cards, as every senior’s financial situation is unique. Some cards on this list require higher credit scores and positive credit histories, while others are easier to obtain for seniors with lower credit scores or those who are building credit for the first time.
- Senior-friendly rewards: One of the most important factors we considered was credit card rewards. From cash-back deals to travel reimbursements, we found credit cards with rewards that benefit seniors.
- Introductory offers: We looked for cards that offered introductory rewards. Some cards have cash rewards if you spend a certain amount within the first 90 days, while others offer zero percent APR for the first 18 months.
Why Trust Us?
Our experts have spent hundreds of hours researching credit cards for seniors. We’ve tested and reviewed financial products and services designed specifically to help seniors for years.
We also consult with older adults who use credit cards regularly to learn about their personal experiences with different cards and gain better insights into potential advantages and disadvantages.
SeniorLiving.org is supported by commissions from providers listed on our site. Read our Editorial Guidelines
- 2 percent cash back on eligible medical expenses
- Rewards can be put toward an AARP membership
- Highlights: No annual fee
- 6 percent cash back on groceries and streaming services
- Rewards include several cash-back benefits
- Highlights: Purchase Protection helps you shop with confidence
- 2 percent cash back on all purchases
- Rewards can be redeemed as statement credits, gift cards, and more
- Highlights: Zero percent intro APR for the first 18 months on balance transfers
- No foreign transaction fees
- $100 credit for TSA PreCheck
- Flexible reward redemption
- Zero percent APR for 15 months
- No annual fee
- Up to 5 percent cash back on certain categories
- 2 percent cash back on all purchases
- Designed to build your savings
- No annual fee
Contents
With so many different credit cards out there, it’s not easy to choose which one fits your needs. Our experts spent over 100 hours researching the best credit cards for seniors. We evaluated credit cards based on fees, APR, introductory offers, eligibility requirements, and senior-friendly rewards programs. Our top pick is the Barclays AARP Essential Rewards Mastercard, which is exclusively available to older adults, has no annual fee, and offers cash-back rewards on medical expenses. Along with the other cards that we included, we’ll discuss what seniors should look for in a credit card and help you decide if a new credit card is right for you.
Our Top Credit Cards for Seniors
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Barclays AARP Essential Rewards Mastercard - Best for Medical Expenses
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American Express Blue Cash Preferred Card - Best Cash Back
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Citi Double Cash Card - Best Basic Card
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Capital One Venture Rewards Card - Best Travel Rewards -
Chase Freedom Flex Credit Card - Best Introductory APR -
Fidelity Rewards Visa Signature Credit Card - Best for Savers
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1. Barclays AARP Essential Rewards Mastercard - Best for Medical Expenses
What we like most
- 2 percent cash back on eligible medical expenses
- Rewards can be put toward an AARP membership
- Highlights: No annual fee
Overview:- Annual fee: $0
- APR: 20.99 to 29.99 percent
- Minimum credit score: 620 and above
- Best for: Seniors who want to save on medical expenses
If you’re an AARP member and have medical expenses, consider the Barclays AARP Essential Rewards Mastercard. Designed exclusively for older adults, this card offers 2 percent cash back on eligible medical expenses, including out-of-pocket Medicare or Medicaid costs. Since retirement medical expenses are unpredictable, getting that extra 2 percent back is a nice perk. Plus, you’ll get 3 percent back on gas and drugstore purchases, and 1 percent back on everything else. These cash-back deals aren’t as good as the deals from the American Express Blue Cash Preferred Card, but they’ll still put money back in your wallet.
Pro Tip: Read our credit card guide for seniors to learn which credit card is right for you.
You can redeem rewards for cash back, AARP membership, or other rewards on Barclays’ website. You can even use rewards to gift an AARP membership to a friend. Just remember, you must have an AARP membership to apply for this card. Membership costs between $1 and $2 per month. So, while this card doesn’t have an annual fee, it’s not completely free.
» Check Out: A Guide to AARP Memberships
Barclays AARP Essential Rewards Mastercard
Pros & Cons:Pros About Barclays AARP Essential Rewards Mastercard
- 2 percent cash back on eligible medical expenses
- No annual fee
- Cash back on all purchases
- Unlimited rewards never expire
- Barclays donates 1 percent of eligible purchases to the AARP Foundation
- Sign-up bonus
Cons About Barclays AARP Essential Rewards Mastercard
- Only for AARP members
- Balance transfer fee
- Foreign transaction fee
Summary:Card Features
Annual fee $0 (does not include AARP membership fee) APR - 0% on balance transfers and purchases for 15 billing cycles
- 20.99% to 29.99% on purchases after introductory period
- Cash advance APR: 29.99% variable
Rewards - 2% cash back on medical expenses
- 3% cash back on gas and drugstore purchases, excluding Target and Walmart
- 1% cash back on all other purchases
Sign-up bonus $100 cash back after $500 spent during initial 90 days Foreign transaction fee 3% of each transaction in U.S. dollars Balance transfer fee $5 or 5% of the transferred amount (whichever is greater) Customer Feedback
After speaking with seniors who own the Barclays AARP Essential Rewards Mastercard and reading online reviews, it’s clear that most cardholders are happy with their experiences. Seniors appreciate the sign-up bonus, which is easier to meet than the sign-up bonus for the Capital One Venture Rewards Card. Additionally, the cash-back rewards apply to important spending categories. Barclays is also a trusted institution that offers advanced security protection for people of all ages.
» Related Reading: Best Identity Theft Protection for Seniors
We also read dozens of negative reviews, which complained about unexpected reductions in credit limits. While many seniors use the card without issue, others found that Barclays reduced their credit limit without notice. That said, some customers have been able to call Barclays directly to reinstate their previous credit limits.
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2. American Express Blue Cash Preferred Card - Best Cash Back
What we like most
- 6 percent cash back on groceries and streaming services
- Rewards include several cash-back benefits
- Highlights: Purchase Protection helps you shop with confidence
Overview:- Annual fee: $0 for first year, $95 annually thereafter
- APR: 20.24 to 29.24 percent
- Minimum credit score: 670 and above
- Best for: Seniors with good credit who want high cash-back rewards
Whether you’re buying ingredients for a backyard BBQ or renewing your Netflix subscription, the American Express Blue Cash Preferred Card has you covered. This credit card offers 6 percent cash back on groceries and select streaming services, as well as 3 percent cash back on gas and transit, making it a smart choice for those who use ride-share services or enjoy the RV life. Any cash back you accumulate can be redeemed as a statement credit, which keeps things simple.
» Also Check Out: Transportation for Seniors
After the first year (which is free), you’ll pay $95 annually to maintain the card. That isn’t as convenient as zero annual fee cards like Barclays AARP or Chase Freedom Flex. Check your spending to determine if the cash-back benefits outweigh the annual fee. Also, ensure the spots you regularly shop at accept American Express. Although popular, American Express isn’t accepted everywhere.1
American Express Blue Cash Preferred Card
Pros & Cons:Pros About American Express Blue Cash Preferred Card
- Up to 6 percent cash back on certain purchases
- Easy-to-earn introductory bonus
- Zero percent introductory APR for 12 months
- Return protection
Cons About American Express Blue Cash Preferred Card
- Annual fee
- Not accepted everywhere
- Foreign transaction fee
Summary:Card Features
Annual fee $0 for first year, $95 annually thereafter APR - Introductory on purchases and balance transfers: 0% for 12 months
- 20.24% to 29.24% after introductory period
- Cash advance APR: Variable prime rate plus 21.99%
Rewards - 6% cash back at U.S. supermarkets on up to $6,000 in purchases annually
- 6% cash back on select streaming services
- 3% cash back on gas and transit
- 1% cash back on all other purchases
- Car rental loss and damage insurance
Sign-up bonus $300 statement credit if you spend at least $3,000 in the first six months Foreign transaction fee 2.7% of each transaction after USD conversion Balance transfer fee $5 or 3% of the transferred amount (whichever is greater) Customer Feedback
The American Express Blue Cash Preferred Card generally receives positive feedback. Many older adults praise the relatively low APRs, especially when compared to similar cards such as the Barclays AARP Mastercard. Additionally, the cash-back rewards are among some of the best we’ve encountered.
Did You Know? American Express charges higher merchant fees than other global payment networks like Visa and Mastercard, which is why American Express cards are not as widely accepted.2
However, not all feedback has been positive. Many adults with average credit have complained about the low credit limit offers and the difficulty of getting the sign-up bonus. Reviews of customer service are mixed, with some seniors praising the fast response times and others claiming that their issues were not resolved to their satisfaction.
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3. Citi Double Cash Card - Best Basic Card
What we like most
- 2 percent cash back on all purchases
- Rewards can be redeemed as statement credits, gift cards, and more
- Highlights: Zero percent intro APR for the first 18 months on balance transfers
Overview:- Annual fee: $0
- APR: 18.24 to 28.24 percent
- Minimum credit score: 580 and above
- Best for: Seniors with fair to average credit who want a simple cash rewards card
Older adults wanting something simple will appreciate the Citi Double Cash Card. This Mastercard has no annual fee and gives you 2 percent cash back on all purchases, regardless of the point of purchase or category. You’ll earn 1 percent cash back when making a purchase and then 1 percent cash back when you pay it off. Citi calls their cash back “ThankYou Points,” which you can redeem for statement credits, checks, gift cards, and direct deposits.
FYI: While seniors may be able to get the Citi Double Cash Card with credit scores as low as 580, the card issuer recommends a score of 670 or higher to secure the best APR and credit limit.
You won’t find fancy benefits with this card, but it’s a great everyday card to keep in your wallet. Plus, since half your cash back is tied to when you pay off the purchase, it’s an extra incentive to stay out of credit card debt. It is also perfect for seniors who have debt on a high-APR card and want to complete a balance transfer; this card offers zero percent intro APR on balance transfers for the first 18 months. That gives cardholders a year and a half to pay down their debt, interest-free!
» Useful Guide: Getting Out of Debt
Citi Double Cash Card
Pros & Cons:Pros About Citi Double Cash Card
- Unlimited 2 percent cash back on every purchase
- Seniors with fair or average credit may still be eligible
- No annual fee
- Zero percent intro APR on balance transfers for 18 months
Cons About Citi Double Cash Card
- Foreign transaction fee
- Balance transfer fee
Summary:Card Features
Annual fee $0 APR - Introductory balance transfer APR: 0% for 18 months
- Purchases: 18.24% to 28.24% variable, depending on credit score
- Cash advance APR: 29.49%, plus a 5% fee (minimum of $10)
- Late or returned payment penalty APR: Up to 29.99% variable
Rewards 2% cash back on all purchases (1% at purchase and 1% when the debt is paid) Sign-up bonus $200 cash back after spending $1,500 in the first six months Foreign transaction fee 3% Balance transfer fee $5 or 3% of the transferred amount (whichever is greater) Customer Feedback
The Citi Double Cash Card is popular among seniors for several reasons. First, it doesn’t charge an annual fee or require a high credit score (though older adults with poor credit may not be eligible). Second, the cash-back rewards system encourages paying your debt as quickly as possible. Seniors appreciate the card’s simplicity and the incentive to manage their debt. It’s also easier to acquire than more “elite” cards like the Fidelity Rewards Visa Signature Credit Card.
» Also Check Out: Why Older Adults Shouldn't Worry About Old Debts
Like any card, there have been some complaints. Many reviews mention the time it takes to get in touch with customer service, while others have mentioned how difficult it is to get a credit line increase, even with years of on-time payments.
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4. Capital One Venture Rewards Card - Best Travel Rewards
What we like most
- No foreign transaction fees
- $100 credit for TSA PreCheck
- Flexible reward redemption
Overview:- Annual fee: $95
- APR: 19.99 to 29.24 percent
- Minimum credit score: 620 and above
- Best for: Seniors who frequently travel
Plan to spend your retirement years traveling? Earn rewards when you travel and toward future travel with the Capital One Venture Rewards Card. This card earns two miles per dollar on every purchase and five miles per dollar when you book a rental car or hotel through Capital One Travel. Redeem your miles for past travel or future travel purchases. For example, it counts anytime you purchase from airlines, hotels, cruise lines, etc. You can also redeem miles for a check, account credit, gift cards, or other rewards.
» For Frequent Travelers: Senior Travel and Vacations
The card costs $95 per year, but if you’re a big traveler, the rewards could easily pay for the annual fee. Other perks include no foreign transaction fees and up to a $120 credit for TSA PreCheck, which gets cardholders through the airport security line faster. It’s the best card for travelers on this list, especially since it doesn’t charge fees when you make purchases abroad, unlike the Citi Double Cash Card, American Express Blue Cash Preferred Card, and Barclays AARP Essential Rewards Mastercard.
FYI: If you’re not a fan of annual fees, check out the VentureOne Rewards card from Capital One. It earns 1.25 miles per dollar with no annual fee.3
Capital One Venture Rewards Card
Pros & Cons:Pros About Capital One Venture Rewards Card
- No foreign transaction fees
- Opportunity to earn 75,000 sign-up bonus miles
- Flexible reward redemption
- High reward rate
Cons About Capital One Venture Rewards Card
- $95 annual fee
- Sign-up bonus may be difficult to reach for some seniors
- No introductory APR offer
- No balance transfer offer
Summary:Card Features
Annual fee $95 APR - Purchases: 19.99% to 29.24% variable, based on creditworthiness
- Cash advance APR: 29.99% variable
Rewards - Earn unlimited 2 miles per dollar on every purchase
- Earn unlimited 5 miles per dollar on rental cars and hotels booked through Capital One Travel
- Up to $120 credit for Global Entry or TSA PreCheck
- Hertz Five Star status
- Access to premium Capital One experiences
- Travel accident insurance
- Access to Capital One travel deals
- Auto rental collision damage waiver
Sign-up bonus Earn 75,000 miles when you spend $4,000 within the first three months Foreign transaction fee None Balance transfer fee 4% of the transferred amount Customer Feedback
The Capital One Venture Rewards Card generally receives positive reviews. Many people’s opinions about the card depended on their general opinion of Capital One as a bank. Many older adults praise the company for keeping things simple and offering ample travel rewards via the Venture card (and many other Capital One cards that don’t charge foreign transaction fees).
» For More Protection: Best Travel Insurance for Seniors
As with the Citi Double Cash Card, many reviewers complained about the difficulty of resolving issues with customer service representatives. One important note is that Capital One will not mail cards to anyone located outside the United States. While the Venture card offers excellent travel rewards, if a cardholder loses their card while traveling abroad, they may be out of luck until they return to the United States.
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5. Chase Freedom Flex Credit Card - Best Introductory APR
What we like most
- Zero percent APR for 15 months
- No annual fee
- Up to 5 percent cash back on certain categories
Overview:- Annual fee: $0
- APR: 19.49 to 29.99 percent
- Minimum credit score: 670 and above
- Best for: Seniors with good credit who want to make a large purchase soon
The Chase Freedom Flex card is our pick for seniors who are planning to make a large purchase and need to pay for it over time. Unlike the Capital One Venture Rewards Card (which has no introductory APR deal), this card offers zero percent APR for the first 15 months, giving you time to pay before interest starts accumulating. Other perks include 5 percent cash back on bonus categories and travel (including gas), 3 percent cash back on drugstore purchases and restaurants, and 1 percent cash back on everything else.
With no annual fee, there aren’t many drawbacks to the Chase Freedom Flex card. Just know that this may not be the best card to bring when you’re vacationing abroad, as Chase charges a 3 percent foreign transaction fee. However, this is the same as you would get with a Citi Double Cash Card or a Barclays AARP Essential Rewards Mastercard.
Chase Freedom Flex Credit Card
Pros & Cons:Pros About Chase Freedom Flex Credit Card
- Zero percent introductory APR for the first 15 months
- No annual fee
- Up to 5 percent cash back on certain categories
- Sign-up bonus offer
Cons About Chase Freedom Flex Credit Card
- Low base cash-back rate
- Foreign transaction fee
Summary:Card Features
Annual fee $0 APR - Introductory APR: 0% for first 15 months
- Purchases: 18.99% to 28.49% variable, based on creditworthiness
- Late payment penalty APR: Up to 29.99%
- Cash advance APR: 29.24% variable, plus $10 or 5% of amount, whichever is greater
Rewards - 5% cash back on up to $1,500 in purchases in changing bonus categories (changes each quarter)
- 5% cash back on travel purchased through Chase Travel
- 3% cash back on restaurants and eligible delivery services
- 3% cash back on drugstore purchases
- 1% cash back on all other purchases
- 6 free months of DashPass, which saves you money on DoorDash deliveries
- 2% cash back on Lyft rides
- Auto rental collision damage waiver
- Trip cancellation/interruption insurance
Sign-up bonus Earn $200 when you spend $500 within the first three months Foreign transaction fee 3% of the amount of each transaction in USD Balance transfer fee $5 or 3% of the transferred amount (whichever is greater) Customer Feedback
One of the biggest complaints from reviewers was their inability to qualify for the Chase Freedom Flex Card. It requires good or excellent credit, with very few exceptions. For those who have the card, feedback is overwhelmingly positive. The card is ideal for seniors who want to purchase a dream vacation or luxury item and pay it down, interest-free, for the first 15 months. Other reviews praised the high cash-back rewards for rotating categories, as well as Chase Bank for their quality customer service and excellent fraud alert and identity theft protection.
There were two common themes among negative reviews of the Chase Freedom Flex Card. If and when a cardholder requests a credit line increase, Chase does a hard credit pull, which negatively impacts credit scores. The other issue is related to travel. If cardholders don’t book travel expenses through the Chase Ultimate Travel Rewards system, they’ll have a much harder time disputing charges or requesting refunds
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6. Fidelity Rewards Visa Signature Credit Card - Best for Savers
What we like most
- 2 percent cash back on all purchases
- Designed to build your savings
- No annual fee
Overview:- Annual Fee: $0
- APR: 18.99 to 28.49 percent
- Minimum Credit Score: 700 and above
- Best For: Seniors with excellent credit who want to add to their retirement savings
Saving for retirement can be challenging. The Fidelity Rewards Visa Signature Credit Card makes adding to your savings easier. It earns you a generous, unlimited 2 percent cash back on every purchase. You only receive the full 2 percent when you deposit your rewards into an eligible Fidelity account. That includes brokerage, IRA, HSA, cash management, and 529 plans.
If you’d rather redeem your cash back for gift cards or other rewards, its value drops to 1 percent, so this credit card is for older adults who love to save. The estimated reward potential could be as high as $500 or more per year, as long as you’re depositing it into a Fidelity account.
Like the Capital One Venture Rewards Card, Fidelity has no foreign transaction fees, so cardholders can save more for retirement and enjoy traveling abroad without all the extra fees. That said, if you want more control over where your cash rewards go or your credit score isn’t 700 or above, the Barclays AARP Essential Rewards Mastercard or American Express Blue Cash Preferred Card might be better options.
Fidelity Rewards Visa Signature Card
Pros & Cons:Pros About Fidelity Rewards Visa Signature Credit Card
- Helps you save your money
- No annual fee
- Unlimited 2 percent cash back on every purchase
- Visa Signature Card perks
- No foreign transaction fee
Cons About Fidelity Rewards Visa Signature Credit Card
- No sign-up bonus
- High credit requirements
- Can’t redeem rewards as a check or statement credit
- Must have a Fidelity account to receive full cash-back value
Summary:Card Features
Annual fee $0 APR - Purchases: 18.99% to 28.49% variable, based on creditworthiness
- Cash advance APR: Variable APR, plus $10 or 5% of amount, whichever is greater
Rewards - Unlimited 2% cash back on every purchase
- Worldwide Automatic Travel Accident Insurance
- Lost luggage reimbursement
- Purchase security
- Roadside dispatch
Sign-up bonus None Foreign transaction fee None Balance transfer fee $5 or 3% of the transferred amount (whichever is greater) Customer Feedback
While many seniors are pleased with Fidelity’s retirement and investment solutions, they haven’t always had stellar experiences with the Fidelity Rewards Visa Signature Credit Card. Yes, many cardholders have praised the ability to grow their retirement savings, but others have complained that the cash-back deals are too restrictive for those who don’t want to add to their retirement fund.
Many reviews have complained about rude or unhelpful customer service representatives. From denied credit line increases to poor fraud resolution, many older adults have said that the card works great until they need help from customer service.
Do I Need a Credit Card?
When used wisely, a credit card is a beneficial tool for managing your finances. But whether you need one depends on you, your finances, and your spending habits. Some older adults find credit cards too tempting, causing them to spend money they don’t have on goods they can’t afford. Others like using credit cards for perks such as travel rewards and cash-back deals. Others may need one to help build up credit so they can get approved for a loan in the future.
Pro Tip: Need help with financial planning? Check out our guide to finance for seniors!
Whichever side you lean toward, it’s vital to know that seniors aren’t immune to credit card debt. As of the latest data, adults between the ages of 65 and 74 have an average household debt of $45,000 — a figure that has more than quadrupled for that age group since 1992.4 If you decide to get a credit card, make sure you have the means to pay off your balance each month. That might be Social Security funds, other retirement funds, a pension, savings, or earnings from a part-time job.
How to Choose the Right Credit Card
Even with a narrowed-down list to choose from, you might still be wondering, how can I possibly pick one? Here are a few questions to ask yourself before choosing a credit card:
1. What Is Your Credit Score?
Your credit score helps determine if you’re approved for a new credit card. Most credit card companies, or affiliate companies, advertise the score range needed for approval. Check your credit score online and compare it to that range. Doing this can help you narrow down your options, especially if you don’t have excellent credit.
2. What Are Your Financial Goals?
You need a credit card that will help you meet your financial goals. So, what are they? Are you looking to build credit, save money on interest, or earn rewards? Choose a card that gets you closer to your goals, whether that’s frugally paying for a trip abroad with airline miles or making a large purchase, like a new appliance, without worrying about interest.
3. Do the Benefits Outweigh the Cost?
When evaluating a credit card, make sure you read the fine print carefully. Does the card have an annual fee? How much does it cost to transfer a balance from another card? If there’s a zero percent introductory APR, what’s the standard APR once the introductory period ends? You need to decide if the cash-back or travel perks replace any annual fees, foreign transaction fees, or a higher APR.
Pro Tip: The FDIC offers specific information to help inform cardholders on the ways they can minimize financial risks and maximize benefits with credit cards.5
Frequently Asked Questions About Credit Cards for Seniors
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Does AARP have a credit card for seniors?
Yes, AARP offers the AARP Essential Rewards Mastercard through Barclays.
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What is the best credit card for a senior?
Based on our research, the Barclays AARP Essential Rewards Mastercard is the best credit card for seniors. It has no annual fee, offers cash-back rewards, and is ideal for AARP members who want to capitalize on senior discounts.
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Can you get approved for a credit card if you are retired?
Yes, retired people can get approved for a credit card. The application process is the same, so your approval odds will depend on the card you’re applying for, your income, your credit score, and your credit history.
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What is the Fair Credit Act for seniors?
Amended in 2010, the Fair Debt Collection Practices Act (FDCPA) is a law that ensures older adults are protected from predatory or abusive debt collection practices.6
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American Express. (2025). Blue Cash Preferred® Card.
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Experian. (2024). Where Is American Express Accepted?
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Capital One. (2025). VentureOne Rewards from Capital One.
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AARP. (2024). Why Retirees Are Carrying More and More Debt.
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Federal Deposit Insurance Corporation. (2019). Rewards Cards – Minimize the Pitfalls, Maximize the Benefits.
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Federal Trade Commission. (2010). Fair Debt Collection Practices Act.
