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We spend a whole lot of time discussing journey and one of the best bank cards for issues like no overseas transaction charges, eating places, supermarkets and extra. We even have guides to one of the best bank cards for college students, however one other group that deserves its personal consideration is seniors and retirees, given their differing life from these different teams.
Let’s evaluate which bank cards for this group may help you navigate your senior years with perks and advantages geared particularly towards your wants.
The very best bank cards for retirees and seniors
These playing cards supply high quality incomes constructions, low annual share charges (APRs) and different perks that ought to be engaging for individuals of their later years who might have much less disposable revenue resulting from now not working. Let’s take a look at one of the best on a regular basis bank cards for retirees and seniors.
- Financial institution of America® Custom-made Money Rewards bank card
- Blue Money Most popular® Card from American Categorical
- Chase Freedom Limitless® (see charges and costs)
- Chase Sapphire Most popular® Card (see charges and costs)
- Citi Double Money® Card (see charges and costs)
- Capital One Enterprise X Rewards Credit score Card
- Chase Sapphire Reserve® (see charges and costs)
- American Categorical® Gold Card
- Constancy® Rewards Visa Signature® Credit score Card*
- AARP® Important Rewards Mastercard® from Barclays*
*The knowledge for the AARP Important Rewards Mastercard and Constancy Rewards Visa has been collected independently by The Factors Man. The cardboard particulars on this web page haven’t been reviewed or offered by the cardboard issuer.
Financial institution of America Custom-made Money Rewards bank card
Welcome bonus: Earn 6% money again for the primary yr from account opening in your selection class. Plus, get a $200 on-line money rewards bonus after making a minimum of $1,000 in purchases within the first 90 days of your account opening.
Annual price: $0.
Why we prefer it: The Financial institution of America Custom-made Money Rewards bank card has no annual price and lets you select a class the place you earn 6% money again (for the primary yr, then 3%) on spending on the primary $2,500 and a pair of% money again at grocery shops and wholesale golf equipment on the primary $2,500 of mixed spending in these classes every quarter (then 1%) and 1% again on all different purchases.
The place this card can excel is in case you are a member of Financial institution of America Most popular Rewards®. Eligible members can earn an up-to-75% bonus on bank card rewards, which might nearly double the Custom-made Money Rewards card’s incomes charges. The Most popular Rewards bonus just isn’t utilized to the three% first-year bonus.
For extra data, try our full evaluate of the Custom-made Money Rewards.
Apply right here: Financial institution of America Custom-made Money Rewards bank card
Blue Money Most popular Card from American Categorical
Welcome supply: Earn a $250 assertion credit score after spending $3,000 on purchases on the cardboard throughout the first six months.
Annual price: $0 introductory annual price for the primary yr, then $95 (see charges and costs).
Why we prefer it: This card earns effectively in frequent spending classes, has a reasonable annual price and the worth of the rewards you earn can simply offset the annual price. Plus, take pleasure in 0% introductory APR for brand spanking new purchases and stability transfers within the first 12 months from account opening (then a variable APR between 20.24% to 29.24% will apply; see charges and costs).
Cardmembers earn 6% money again at U.S. supermarkets on as much as $6,000 in spending per yr (then 1% money again). If maximized, this alone may present $360 in money again per yr. Cardmembers additionally earn 6% money again on choose U.S. streaming subscriptions, 3% money again at U.S. fuel stations and on transit (together with taxis, ride-hailing companies, parking, tolls, trains and different commuting bills) and 1% money again on all different purchases. Money again is obtained within the type of reward {dollars} that may be redeemed as a press release credit score or at amazon.com.
For extra data, try our full evaluate of the Blue Money Most popular.
Apply right here: Blue Money Most popular Card from American Categorical
Chase Freedom Limitless
Welcome supply: Earn $200 money again after spending $500 on purchases within the first three months from account opening.
Annual price: $0.
Why we prefer it: The Freedom Limitless earns 5% money again on Chase Journey℠ purchases, 3% money again on eating and at drugstores, and 1.5% money again on all different purchases. The cardboard’s sturdy go well with is the power to earn 1.5% on all purchases that fall exterior of the cardboard’s bonus classes.
This may be helpful if you pay for varied issues or you probably have bigger bills, akin to medical payments. Better of all, for those who or a member of your family has one other Chase Final Rewards point-earning bank card, you possibly can mix factors to unlock Chase’s full vary of resort and airline companions.
For extra data, try our full evaluate of the Chase Freedom Limitless.
Apply right here: Chase Freedom Limitless
Chase Sapphire Most popular Card
Welcome bonus: Earn 60,000 bonus factors after spending $5,000 on purchases within the first three months from account opening.
Annual price: $95.
Why we prefer it: Apart from our suggestion that this ought to be the primary card in any factors and miles collector’s pockets, it’s greater than only a starter card. The cardboard offers compelling advantages, like a $50 annual resort credit score, a ten% annual factors bonus, a yr of complimentary DoorDash DashPass for meals supply with no charges (activate by Dec. 31, 2027), and a slew of journey protections, in addition to no overseas transaction charges. In order for you a journey card to your later years however don’t need a hefty annual price, this generally is a nice card to your purse or pockets.
The incomes construction can be wonderful when in comparison with different playing cards with a sub-$100 annual price. You’ll earn 5 factors per greenback spent on journey booked by Chase Journey, 5 factors per greenback spent on Lyft (by Sept. 30, 2027), 3 factors per greenback spent on eating, choose streaming companies and on-line grocery retailer purchases (excluding Goal, Walmart and wholesale golf equipment), 2 factors per greenback spent on all journey not booked by Chase Journey and 1 level per greenback spent on every thing else.
Chase Final Rewards factors are extraordinarily worthwhile, and that is the cardboard with the bottom annual price that unlocks all of Chase’s switch companions.
For extra data, try our full evaluate of the Sapphire Most popular.
Apply right here: Chase Sapphire Most popular Card
Citi Double Money Card
Welcome bonus: Earn $200 money again after spending $1,500 on purchases within the first six months of account opening, plus an introductory APR of 0% for 18 months on stability transfers solely; after that, the variable APR will probably be 18.24% — 28.24%, based mostly in your creditworthiness.
Annual price: $0.
Why we prefer it: The Citi Double Money Card is an easy solution to earn rewards. The cardboard earns 2% money again — 1% if you make a purchase order with this card and one other 1% if you make a fee. You can even entry Citi’s full vary of resort and airline switch companions for those who maintain one other Citi bank card, just like the Citi Strata Premier℠ Card (see charges and costs).
Though this card’s welcome bonus doesn’t supply a windfall of rewards, the introductory APR supply may help you fiscal a big buy.
For extra data, try our full evaluate of the Citi Double Money.
Apply right here: Citi Double Money Card
Capital One Enterprise X Rewards Credit score Card
Welcome supply: Earn 75,000 bonus miles after spending $4,000 on purchases inside three months from account opening.
Annual price: $395.
Why we prefer it: The Enterprise X provides high quality advantages, an honest reward fee, journey perks that ought to make your journeys extra pleasing — all with out charging you overseas transaction charges.
The cardboard offers a $300 annual journey credit score for bookings with Capital One Journey, 10,000 anniversary bonus miles annually, reimbursement to your TSA PreCheck or International Entry utility price, Precedence Cross Choose membership and entry to Capital One lounges for you and two friends.
You’ll additionally get Hertz President’s Circle standing for rental automobile perks*, cellphone safety and the power so as to add as much as 4 free approved customers. These customers can take pleasure in a slew of perks in their very own proper.
Cardmembers earn Capital One miles, which, based on TPG’s Could 2025 valuations, are price 1.85 cents every and can be utilized with Capital One’s 15-plus journey companions. The cardboard earns 10 miles per greenback spent on lodges and rental vehicles booked with Capital One Journey, 5 miles per greenback spent on flights and trip leases booked by way of Capital One Journey and a pair of miles per greenback spent on all different purchases.
For extra data, try our full evaluate of the Enterprise X
*Upon enrollment, accessible by the Capital One web site or cellular app, eligible cardholders will stay at that standing degree by the length of the supply. Please be aware, enrolling by the traditional Hertz Gold Plus Rewards enrollment course of (e.g. at Hertz.com) is not going to mechanically detect a cardholder as being eligible for this system and cardholders is not going to be mechanically upgraded to the relevant standing tier. Further phrases apply
Study extra: Capital One Enterprise X
Chase Sapphire Reserve
Welcome supply: Earn 60,000 bonus factors after spending $5,000 on purchases within the first three months from account opening.
Annual price: $550.
Why we prefer it: Regardless of the next annual price, the perks and advantages provided by the cardboard can simply be justified by those that journey typically and are ready to make use of them. These embody an annual $300 journey credit score that applies mechanically to a broad vary of journey bills, entry to Precedence Cross Choose lounges, journey portal redemptions at elevated charges, utility price reimbursement for TSA PreCheck, International Entry or Nexus and quite a few journey and buying protections. Cardholders additionally take pleasure in no overseas transaction charges.
The Sapphire Reserve earns Final Rewards factors that, based on TPG’s Could 2025 valuations, are price 2.05 cents apiece. You’ll earn 10 factors per greenback spent on lodges and automobile leases booked by Chase Journey, 5 factors per greenback spent on Lyft rides (by Sept. 30, 2027), 5 factors per greenback spent on airfare booked by the Chase journey portal, 3 factors per greenback spent on eating and different journey spending and 1 level per greenback spent on different purchases. (Notice that you don’t earn bonus factors on purchases coated by the $300 journey credit score.)
The annual price might be justified for many who can make the most of the cardboard’s perks and the journey protections can present peace of thoughts when one thing goes improper.
For extra data, try our full evaluate of the Chase Sapphire Reserve.
Apply right here: Chase Sapphire Reserve
American Categorical Gold Card
Welcome supply: Earn 60,000 bonus factors after spending $6,000 on purchases within the first six months of card membership.
Annual price: $325 (see charges and costs).
Why we prefer it: The American Categorical Gold Card is a good possibility for anybody trying to leverage their on a regular basis spending for optimum rewards, whereas additionally having fun with helpful assertion credit.
With the Amex Gold you’ll earn 4 factors per greenback spent at eating places worldwide (on as much as $50,000 in purchases per calendar yr, then 1 level per greenback) in addition to 4 factors per greenback spent on as much as $25,000 in purchases per calendar yr at U.S. supermarkets (then 1 level per greenback), 3 factors per greenback spent on flights booked instantly with airways or on AmexTravel.com, 2 factors per greenback spent on pay as you go lodges and different eligible purchases booked on AmexTravel.com and 1 level per greenback spent on every thing else.
You additionally get a variety of assertion credit together with as much as $120 in assertion credit per calendar yr (as much as $10 per thirty days) towards eating purchases with choose retailers, as much as $120 per calendar yr (as much as $10 per thirty days) in Uber Money towards U.S. Uber rides and U.S. Uber Eats orders after enrolling your Amex Gold card in your Uber account (you possibly can then pay with any Amex card). You additionally rise up to $7 per thirty days in assertion credit (as much as $84 yearly) towards Dunkin’ purchases within the U.S. and as much as $100 in U.S. Resy assertion credit per calendar yr on purchases made at eating places. Enrollment is required for choose advantages; phrases apply.
For extra data, try our full evaluate of the Amex Gold Card.
Apply right here: American Categorical Gold Card
Constancy Rewards Visa Signature Credit score Card
Welcome bonus: None.
Annual price: $0.
Why we prefer it: It’s not typically that you simply discover a card that earns rewards that may be deposited right into a retirement account, well being financial savings account or faculty financial savings account. With the Constancy Rewards Visa, you are able to do all three, which presents an fascinating prospect for seniors and retirees who need to develop their retirement financial savings, plan for medical bills or assist their kids and grandchildren put together for the rising prices of tuition.
Cardmembers earn limitless 2% money again on purchases, and the earnings might be deposited into a number of forms of eligible Constancy accounts. Because the identify implies, you could have a Constancy account to work in tandem with the bank card. Because the card has no annual price, no incomes limits and no reward classes to maintain observe of, it could possibly be a terrific card for many who need to use their bank card rewards to plan for the longer term.
AARP Important Rewards Mastercard from Barclays
Welcome bonus: Earn a $100 money bonus after spending $500 on purchases inside 90 days of account opening.
Annual price: $0.
Why we prefer it: If in case you have a whole lot of medical bills, you’ve doubtless observed a extreme lack of playing cards that earn bonus factors on this sort of spending. The AARP Important Rewards card earns 2% money again on eligible medical bills and three% money again on fuel and drugstore purchases (excluding Goal and Walmart). You’ll earn 1% money again on all different purchases.
You’ll be able to redeem your earnings for money again, assertion credit, reward playing cards, merchandise and towards the price of an AARP membership for your self or another person. There aren’t any incomes limits in any of the classes and no annual price. For these in search of a card that earns effectively on medical bills however who don’t need to pay an annual price, this card could possibly be your resolution.
Backside line
One measurement doesn’t match all right here. Seniors and retirees should not all alike, and it’s possible you’ll even discover that one card from our record doesn’t meet all your wants. It is best to contemplate your spending habits and private targets (together with journey) at this stage in your life to discover a card that rewards you for purchases you make typically and offers perks you could really use in a approach that greater than compensates for the cardboard’s annual price.
Whether or not you’re on the lookout for money again, 0% APR for big purchases coming quickly, a card that rewards a specific spending want or a card that provides premium journey perks, it’s best to be capable of discover a card or two that advantage a spot in your pockets.
For charges and costs of the Blue Money Most popular, click on right here.
For charges and costs of the Amex Gold, click on right here.
For Capital One merchandise listed on this web page, a number of the advantages could also be offered by Visa® or Mastercard® and should fluctuate by product. See the respective Information to Advantages for particulars, as phrases and exclusions apply.
