Top 10 Best Credit Cards For Seniors 2020

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2 Top 10 Best Credit Cards For Seniors 2020 Reviews

List Of Top 10 Best Credit Cards For Seniors 2020

Here we present you the list of 10 Best Credit Cards for Seniors for your reference. 

  1. Chase Freedom Unlimited
  2. Chase Freedom Flex℠
  3. Blue Cash Preferred® Card from American Express
  4. Capital One® Savor® Cash Rewards Credit Card
  5. Capital One® Venture® Rewards Credit Card
  6. Bank of America® Cash Rewards credit card
  7. Chase Sapphire Preferred® Card
  8. Wells Fargo Cash Wise Visa® card
  9. Wells Fargo Propel American Express® card
  10. Citi® Diamond Preferred® Card

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Top 10 Best Credit Cards For Seniors 2020 Reviews

Here we present for you the detailed information relating to the top 10 best reward credit cards for seniors with their into offers, and APR as well as transaction fees and other related things

  1. Chase Freedom Unlimited

Chase Freedom Unlimited is the best travel points credit cards no annual fee for seniors was launched in 2016 and from then on it is the top flat rate cash back card available in the market. This card even offers you Tour termination or trip interruption insurance, Travel and emergency support services, with legal and medical referrals, Auto rental collision damage waiver, etc. to its holder.

Associated features offered by Chase Freedom Unlimited card:

  1. Intro (Purchases): 0 % Intro APR on Purchases 15 months
  2. Intro (Transfers): Not Applicable
  3. Regular APR:99 % – 23.74 % Variable
  4. Credit Needed: You need a Good or Excellent credit score to apply for this credit card for seniors
  5. Annual Fee: $ 0
  6. Foreign Transaction Fees: 3 % of each transaction in U.S. dollars
  7. Bonus Offers: The following bonus offers are enjoyed by Chase Freedom Unlimited card members as:
  • With this best travel points credit cards for seniors, you can earn a $ 200 as cash back bonus when you spend just $ 500 in the first three months of the issue of the card as a cardholder. 
  • Apart from this, you can also take advantage of an intro 0 % APR on purchases made for the first 15 months (and afterward 14.99 % to 23.74 % Variable).
  1. The Rewards: Chase Freedom Unlimited card members are rewarded with the following offers as:
  • Here with this best credit card for retirees you can even earn the following rewards in your first year of card membership issued as:
  • 5 % of reward on the travel purchases made through Chase Ultimate Rewards®.
  • 3 % of reward on dining at restaurants and on drugstore purchases and 
  • 1.5 % of reward on gas
  • 1.5 % of reward on all other purchases 
  • Plus, earn 5 % of the reward as a cash back on up to $ 12,000 amount you spend at grocery stores (apart from Target and Walmart) 

PROS: 

  • Here by using Chase Freedom Unlimited best credit card for seniors you have to spend $ 500 in three months of the issuance of the card to earn the $ 200 welcome bonus.
  • This best credit card for seniors also offers 1.5 % cash back on all non-bonus category purchases as this card has a greater cash-back rate than offered by some of the other no annual fee even rate cash back cards. 
  • With this, the fresh cardholders receive intro 0 % APR for the purchases made for 15 months afterward it tends to be 14.99 % to 23.74 % Variable.

CONS: 

  • The cash back of 1.5 % is more than the cash back offered by other cards but you have to unlock its bonus offers by making most of the payments through the card. 
  • You can easily earn the $ 200 welcome bonus but it is not as productive and beneficial as other offers from other cards. 
  • You need to pay a foreign transaction fee on this card while you use this card abroad. 

Our Verdict:

Chase Freedom Unlimited credit card as the best credit cards for seniors provides cash back on non-bonus categories of 1.5 % which is a pretty rewarding offer to be used. 

Apply to Chase Freedom Unlimited credit card:

https://creditcards.chase.com/a1/freedom-unlimited 

  1. Chase Freedom Flex℠

This best credit card for retirees of Chase Freedom Flex℠ offers its card holders with Complimentary ShopRunner membership, 5 % cash back on the grocery store, and other cash backs and complimentary services as well with cell phone insurance too, when you pay your monthly cell phone bill with your Flex℠ card and no annual membership.

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Associated features offered by Chase Freedom Flex℠:

  1. Intro (Purchases): 0 % Intro APR on Purchases 15 months
  2. Intro (Transfers): Not Applicable
  3. Regular APR:99 % – 23.74 % Variable
  4. Annual Fee: $ 0
  5. Credit Needed: You need a Good or Excellent credit score to apply for this credit card for seniors
  6. Bonus: The following bonus offers are enjoyed by Chase Freedom Flex℠ card members as:
  • With this best retirement credit card, you receive a $ 200 bonus after you have spent $ 500 in the first three initial months of issuance of the card.
  • Further, you also receive a 5 % cash back on grocery store purchases that eliminate Target and Walmart for the first $ 12,000 spent in the first year of the issue of the card as a cardholder.
  • Foreign Transaction Fees: 3 % for each transaction done in U.S. dollars
  1. The Rewards: Chase Freedom Flex℠ card members are rewarded with the following offers as:
  • On purchases made up to $ 1,500, You can earn 5 % back in quarterly bonus categories at the time of sign up for the card.
  • Additionally, the Chase Ultimate Rewards® portal can also provide you with 5 % of cash back on travel purchased made
  • And you get 3 % cash back at restaurants
  • and get 3 % cash back on drugstore purchases
  • and 1 % cash back on all other qualified purchases.

PROS:

  • Here with this best credit card for seniors you can enjoy 0 percent of APR on new purchases for the first 15 months of the issue of credit card and after the 15 months, the rate will be 14.99 % to 23.74 % Variable.
  • You can also claim your cell phone insurance of up to $1,000 a year, only in case of when you are paying your monthly cell phone bill with your Flex℠ card.
  • A complimentary ShopRunner membership for a period of 2 days and a complimentary three-month Door Dash Pass is also offered by the card company with a 50% discount for 9 months too.

CONS:

  • In order to earn the bonus of 5% cashback, you must activate quarterly categories
  • The 5 % of cashback that you earn on the categories is stopped at an amount of $ 1,500 in combined purchases every quarter.
  • You need to use a different card on foreign travels as this chase freedom flex℠ card involves foreign transaction fees.

Our Verdict:

Chase Freedom Flex℠ as the best credit cards for seniors citizens can offer you many instances to earn points with its unique rotating category or say the design of the tiered reward.

Apply to Chase Freedom Flex℠:

https://creditcards.chase.com/a1/freedomflex 

  1. Blue Cash Preferred® Card from American Express

This best credit card for retired person as Blue Cash Preferred® Card from American Express offers you a $ 250 welcome bonus and also has a low intro APR period of 0 % APR for 12 months. Thus, this is recommended credit cards for seniors with bad credit. 

Associated features offered by Blue Cash Preferred® Card from American Express:

  1. Intro (Purchases): a $ 250 bonus
  2. Intro (Transfers): Not Applicable
  3. Regular APR: 13.99 % – 23.99 %
  4. Annual Fee: $ 95
  5. Credit Needed: You need a Good or Excellent credit score to apply for this credit card for seniors
  6. Bonus: The following bonus offers are enjoyed by Blue Cash Preferred® Card from American Express card members as With this credit card for the elderly parent, you receive a $ 250 bonus statement credit when you have spent $ 1,000 in the first three months of the issuance of the card as account membership.
  7. Foreign Transaction Fees: 2.7 % of each transaction after conversion to US dollars.
  8. The Rewards: Blue Cash Preferred® Card from American Express card members are rewarded with the following offers:
  • You get 6 % of the amount back when you spend up to $ 6,000 at U.S. supermarkets annually
  • unlimited 3 % of the amount back which is spent at U.S. gas stations
  • and 1 % of the amount back on everything else you purchase.
  • With this card, you can also earn 6 % of the amount back on select U.S. streaming services
  • and 3 % of the amount back on transit purchases.

PROS:

  • You get a huge earn rate that can be earned at U.S. supermarkets.
  • This is a tremendous card for your grocery shopping.
  • You will also get amazing rewards at U.S. gas stations by using this card.
  • This card is also recommended to be used when traveling or dung a road trip.
  • You can receive an intro 0 % APR for the purchases made for the initial 12 months after which you will get 13.99 % to 23.99 % Variable as New cardholders members.

CONS:

  • In case your spending is less on the U.S. supermarkets then the annual fee of this card might not be worth it for you.
  • This card involves a foreign transaction fee on this card so it’s not the best for international travel.

Our Verdict:

We recommend Blue Cash Preferred® Card from American Express card for the ones who eat a lot home made food and stream a lot of Netflix and spending huge amounts of card transactions on the U.S. supermarkets.

Apply to Blue Cash Preferred® Card from American Express:

https://www.americanexpress.com/us/credit-cards/card/blue-cash-preferred 

  1. Capital One® Savor® Cash Rewards Credit Card

Capital One® Savor® Cash Rewards Credit Card is the best free credit cards for seniors with no international fees in our list of best credit cards for seniors offering dining and entertainment purchases cashback of 4 percent and cashback on grocery purchases of 2 percent as well as 1 percent on others. Further, you will also get a prolonged warranty, with no foreign transaction fees, a travel accident insurance plan, and prompt purchase notices, and more.

Associated features offered by Capital One® Savor® Cash Rewards Credit Card:

  • Intro (Purchases): 0 % for 15 months
  • Intro (Transfers): Not Applicable
  • Regular APR:49 % – 25.49 % (As Variable)
  • Annual Fee: $ 0 for the first year, then $ 95
  • Credit Needed: You need a Good or Excellent credit score to apply for this credit card for pensioners
  • Foreign Transaction Fees: None
  • Bonus: With this best retirement credit card, you receive a $ 300 amount of cashback bonus after spending $ 3,000 on purchases made through the card in the first three months of the issuance of the card.
  • The Rewards: You are eligible to get an infinite amount of cashback on dining and entertainment of about 4 %, and cashback on grocery purchases of 2 percent as well as 1 percent on other items purchased.

PROS:

  • The recompenses earning on the Savor® card are superb for those that often dine out as it offers 4 % back on all your dining and entertainment purchases as well as on grocery stores you will get 2 % back.
  • On other purchases, you will be getting 1 percent as a cashback.
  • The running offer of $ 300 bonus cashback when you spend $ 3,000 in the first three months of the issuance of the card is a good deal to grab.
  • There are no foreign transaction fees associated with the Savor® card.

CONS:

  • You can earn a high number of rewards with the card for certain purchases, but if you don’t use the card for doing purchases more often there exist some other more exciting offers for you.  
  • Although there is no annual fee or say $ 0 annual fee in the first year, but you need to pay $ 95 as an annual fee from the 2nd year onwards.

Our Verdict:

Capital One® Savor® Cash Rewards Credit Card is the best credit cards for seniors that rewards you with everything you do from the card.

Apply to Capital One® Savor® Cash Rewards Credit Card:

https://creditcards.chase.com/a1/freedom-unlimited 

  1. Capital One® Venture® Rewards Credit Card

Capital One® Venture® Rewards Credit Card is the best reward credit cards for seniors with no annual fees where you can earn 1.25 miles per $ 1 spent with a welcome bonus opportunity of 20,000 miles.

Associated features offered by Capital One® Venture® Rewards Credit Card: 

  1. Intro (Purchases): Not Applicable
  2. Intro (Transfers): Not Applicable
  3. Regular APR:24 % – 24.49 % (Variable)
  4. Annual Fee: $ 95
  5. Credit Needed: You need a Good or Excellent credit score to apply for this credit card for pensioners
  6. Foreign Transaction Fees: None
  7. Bonus: 
  • You are eligible to earn 100,000 as bonus miles which is equal to $ 1,000 in travel when you have spent $ 20,000 with your card in the first 12 months of the issuance of the card.
  • or You are eligible to earn 50,000 bonus miles which is equal to $ 500 in travel when you have spent $ 3,000 on purchases in the first three months of the issuance of the card.
  • Furthermore, you can save money up to a $ 100 statement credit by which you can cover your Global Entry or TSA Pre✓™ application fee.
  1. The Rewards:
  • Here you can Make two miles per $ 1 spent on every purchase. 
  • And utilize the miles to offset travel purchases on your card or to transfer them to one of some travel loyalty series that can offer you more value.

PROS: 

  • The rewards program of this best credit cards for seniors is super simple.
  • you can Make two miles per $ 1 spent on every purchase. 
  • You can obtain up to $ 100 as submission fee credit.
  • There is no cost or fee for the foreign transaction so you can travel wherever you want. 

CONS: 

  • There is a continuing twelve-monthly fee to ponder. 
  • A yearly fee is pretty typical however for top travel rewards credit cards. 
  • There are a limited number of transfer partners and as a result, you will face difficulty to apply miles to your favourite loyalty program.

Our Verdict:

Capital One® Venture® Rewards Credit Card is a simple way to earn a reward for elderly people and you can also easily redeem rewards and convert the rewards into travel purchases.

Apply to Capital One® Venture® Rewards Credit Card:

https://applynow.capitalone.com/ 

  1. Bank Of America® Cash Rewards Credit Card

Bank of America® Cash Rewards credit card is the best prepaid credit cards for seniors, where you can choose your spending category to earn rewards and can also directly deposit your rewards too. 

Associated features offered by Bank of America® Cash Rewards credit card: 

  1. Intro (Purchases): 0 % for 12 months’ period
  2. Intro (Transfers): 0 % for 12 months’ period
  3. Regular APR: 13.99 % – 23.99 %
  4. Annual Fee: $ 0
  5. Credit Needed: You need a Good or Excellent credit score to apply for this credit card for pensioners
  6. Foreign Transaction Fees: 3 % 
  7. Bonus: 
  • You are eligible to earn a $ 200 online cash rewards bonus when you have spent $ 1,000 within the first 90 days of the card issue or account opening. 
  • Furthermore, you can also yield the benefit of a preliminary 15 billing cycles with no interest in purchases and balance transmissions made within the first 60 days of the issue of the card.
  1. The Rewards:
  • You are eligible to earn a 3 % cash back on a classification that depends on your choice among the list of the following items: in case of gas, online shopping, travel, dining, drug stores, or home development or home furnishings.
  • On the first $ 2,500 spend in the combined choice category or grocery or for wholesale club purchases made in each quarter you can and are eligible to earn 2 percent back.
  • You can get 1 % cash back on all your other purchases
  • Additionally, you can also boost up your reward earning on every purchase by 25 % to 75 % depending on your tier, if you are a Preferred Rewards client with Bank of America.

PROS: 

  • You will receive a 3 % of cash back in a category you choose and 2 % cash back at grocery stores by which you can take full advantage of your rewards on the purchases you make most repeatedly.
  • You are eligible to receive 1 % cash back on all other purchases.
  • There is no annual fee.
  • A welcome bonus of $ 200 online cash back is earned when you spend $ 1,000 within the first 90 days after the issuance of the card or the opening of an account.
  • You can also earn more cash back of up to 25 %-75 % on every purchase if you are a Bank of America Premier Rewards member

CONS: 

  • In case you want to directly claim your reward then you need a Bank of America or Merrill account
  • Foreign transaction fees or charges are also charged so it’s not the top choice for worldwide travel.

Our Verdict:

When you are applying for a credit card when retired to choose the Bank of America® Cash Rewards credit card, this card provides you with a list from which you can choose a category that you find you will be spending more on to earn more rewards. 

Apply to Bank of America® Cash Rewards credit card:

https://www.bankofamerica.com/smallbusiness/credit-cards/products/cash-rewards-business-credit-card/ 

  1. Chase Sapphire Preferred® Card

This best free credit cards for seniors with no international fees of Chase Sapphire Preferred® Card in our list of the best credit cards for seniors offers a newly increased signup bonus worth up to $ 1,000 and is an excellent travel reward credit card option to consider. 

Associated features offered by Chase Sapphire Preferred® Card:

  1. Intro (Purchases): Not Applicable
  2. Intro (Transfers): Not Applicable
  3. Regular APR:99 % – 22.99 % Variable
  4. Annual Fee: $95
  5. Credit Needed: You need a Good or Excellent credit score to apply for these credit cards for elderly
  6. Foreign Transaction Fees: $ 0
  7. Bonus:
  • You can earn 80,000 as additional points when you spent $ 4,000 in the first three months of the issuance of the card.
  • The points issued are worth $ 1,000 when you redeemed them for travel through the Chase Ultimate Rewards® portal or when you transfer the reward points to one of Chase’s airline or hotel loyalty that will give you more value.
  1. The Rewards: 
  • You can earn two points per $1 spent on travel and dining purchases and also get one point per $ 1 on other purchases. 
  • In case you redeem rewards for travel through the Chase Ultimate Rewards® portal your rewards are worth 25 % more, meaning that cents instead of the standard $ 0.01 each your point is worth of $ 1.25.

PROS: 

  • This best credit cards for seniors provides its new cardholders with valuable perk worth $ 1,000 in travel by the 80,000 bonus points.
  • When you Spend on dining and travel, you earn two points per dollar which is double the amount earned on other purchases. 
  • You will get 25 % more value If you redeem your points for travel through Chase Ultimate Rewards®.

 CONS: 

  • You’ll need to spend $ 4,000 within the first three months after opening an account to earn welcome offer 80,000 bonus point.
  • This card charges an annual fee as with many other travel rewards cards

Our Verdict:

Chase Sapphire Preferred® Card is the most popular travel rewards cards for elderly that one should defiantly go for if you are on the go. 

Apply to Chase Sapphire Preferred® Card:

https://creditcards.chase.com/rewards-credit-cards/sapphire/preferred 

  1. Wells Fargo Cash Wise Visa® Card

Wells Fargo Cash Wise Visa® card is the best credit cards for seniors low income, which has no-annual-fee card and also give its users with unlimited 1.5 % cash back on every purchase. Further, you can also receive 1.8 % cash back on qualified digital wallet purchases.

Associated features offered by

  1. Intro (Purchases): 0 % for 15 months
  2. Intro (Transfers): 0 % for 15 months
  3. Regular APR:49 % – 24.99 %
  4. Annual Fee: $0
  5. Credit Needed: You need a Good or Excellent credit score to apply for this credit cards for elderly
  6. Foreign Transaction Fees: 3 %
  7. Bonus: 
  • You can earn a $150 cash rewards bonus after when you spend $500 in the first three months the issuance of the card
  • Further, on qualified digital wallet purchases during your first 12 months of the issue of the card as a cardholder, you are eligible to earn 1.8 % cash back as compared to the standard 1.5 % or it.
  • You can also take advantage of an intro 0 % APR on purchases and balance transfers for the first 15 months there after which tends to be 13.99 % to 25.99 % Variable.
  1. Rewards:
  • You can earn a flat 1.5 % cash back on all your purchases without choosing any categories.
  • Here, you can earn 1.8 % of cash back on meet the requirements of digital wallet purchases during your first 12 months of issue of card as a cardholder.

PROS:

  • Apart from earning 1.5 % cash back on everyday purchases, you can also avail 1.8 % of cash back when they use a qualified digital wallet, such as Apple Pay and Google Pay, during the first 12 months of issue of the card or opening of an account. 
  • a 0 % APR for 15 months on purchases and balance transfers is earned by the new members. 
  • The rewards do not expire until you deactivate your account. 

CONS: 

  • For cash redemptions you need to open up Wells Fargo account.
  • An amount of fee need to be paid for balance transfers, but this is average for cards that offers a 0 % intro APR period.
  • As this card charges a foreign transaction fees, so it is not an ideal choice for international travel.

Our Verdict:

Wells Fargo Cash Wise Visa® card for seniors has a simple flat-rate rewards with cell protection insurance too. 

Apply to Wells Fargo Cash Wise Visa® card:

https://www.wellsfargo.com/credit-cards/visa-wise/ 

  1. Wells Fargo Propel American Express® Card

This credit card for elderly parent of Wells Fargo Propel American Express® card provides 3 times the point you earn on eating out and; for gas station, trip share and others with cell phone insurance. 

Associated features offered by Wells Fargo Propel American Express® card:

  1. Intro (Purchases): 0 % for 12 months
  2. Intro (Transfers): 0 % for 12 months
  3. Regular APR:49 % – 24.99 %
  4. Annual Fee: $0
  5. Credit Needed: You need a Good or Excellent credit score to apply for this credit cards for elderly
  6. Foreign Transaction Fees: None
  7. Bonus: 
  • You are eligible to earn 20,000 bonus points which are worth $ 200 when you cash in their value, but for this you need to spend $ 1,000 on purchases in the initial first three months of the issue of the card.
  • An introductory offer of no interest period of 12 months on purchases and balance transfers which are made within the first 120 days prior to which the intro offers ends and the APR jumps to 13.99 % to 25.99 % Variable. 
  1. The Rewards:
  • You earn three points per $ 1 spent on eating out and; for gas station, trip share and transportation purchases; on travel purchases, that even includes flights, hotels, homestays and car rent.
  • You earn 1 point per $ 1 on your other purchases as well.

PROS:

  • The New cardholders are eligible to receive 20,000 bonus points which are worth $ 200 in cash redemptions when they have spent $ 1,000 in purchases within the first three months of the issue of the card. 
  • Purchases in popular spending categories can earn you three points per dollar spent.
  • You are also eligible for cell phone protection if you pay your wireless bill using this card.

 CONS: 

  • Here you have limited cash redemption options to $ 20 or $ 25 increments.
  • You will not be eligible to avail for the Propel card’s 0 % introductory APR or bonus point offer if you have opened account or issued card with Wells Fargo within the past 15 months.

Our Verdict:

Wells Fargo Propel American Express® credit card for elderly parent comes with nice perks and reward opportunities for its members with an add on offer to pay phone bill to get cell phone insurance too. 

Apply to Wells Fargo Propel American Express® card:

https://www.wellsfargo.com/credit-cards/propel/ 

  1. Citi® Diamond Preferred® Card

Citi® Diamond Preferred® Card is the best reward credit cards for seniors, which has a long introductory 0% APR period and included amongst the top annual picks for its long intro offered in the market. 

Associated features offered by Citi® Diamond Preferred® Card: 

  1. Intro (Purchases): 0 % for 12 months
  2. Intro (Transfers): 0 % for 21 months
  3. Regular APR:74 % – 23.74 % (Variable)
  4. Annual Fee: $ 0
  5. Credit Needed: You need a Good or Excellent credit score to apply for this credit cards for elderly
  6. Foreign Transaction Fees: 3 %
  7. Bonus:
  • This card has no traditional rewards bonus, but the intro APR periods are treated as bonuses.
  • New cardholders can enjoy 0 % intro APR for 18 months on balance transfers 
  • A regular 14.74 % to 24.74 % Variable APR applies, when the promotion into offer is over.  
  1. The Rewards: 
  • This card has no rewards card, so you do not receive any traditional rewards on purchases. 
  • The big reward that you can get on this card is the large 0 % APR period.

PROS: 

  • The intro period offers on balance transfers of this best credit cards for seniors is of long period compared to the others. 
  • This card does not involve any annual fee.
  • If you have exceptional credit, then the typical interest rate of 14.74 % to 24.74 % Variable APR can be competitive for you. 
  • You can enjoy access to Citi Entertainment®. 
  • You can enjoy special right to use to purchase tickets to thousands of events annually, that even include presale tickets and concerts, sporting events, and dining experiences and more. 

CONS: 

  • Excellent credit is needed to apply for this card.
  • There are no rewards program for its customers or card holders. 

Our Verdict:

Citi® Diamond Preferred® Card is the best credit cards for seniors low income as it has no annual fees and provides a lengthy into offer with extra time to pay your outstanding expenses. 

Apply to Citi® Diamond Preferred® Card:

https://citicards.citi.com/usc/LPACA/Citi/Cards/DiamondPreferred 

FAQ

What Is The Best Credit Card For Retirees?

Some of the best credit card for retirees are as follows:

  • Capital One® Venture® Rewards Credit Card.
  • Bank of America® Cash Rewards credit card.
  • U.S. Bank Visa® Platinum Card credit for elders
  • Chase Freedom Flex℠
  • Wells Fargo Cash Wise Visa® card

Is The AARP Credit Card A Good Deal?

Yes, it is a good deal as it offers 3 % cash back at restaurants and gas stations as well as 1 % cash back on all other purchases. So, it is best credit cards for seniors with other benefits too. 

What Credit Card Company Is Easiest To Get?

Some of the credit card company is easiest to get are as:

  • Credit One Bank® Visa® Credit Card.
  • Capital One® QuicksilverOne® Cash
  • Wells Fargo Business Secured Credit Card.
  • Capital One® Secured Mastercard®

Conclusion

Use your card wisely as credit card is a tool that can also add up to your expenses list if not used wisely. So, here we have referred for you some of the best credit card for retirees that one can consider depending upon the needs and bonus, as well as cash back and travel fees associated with them. 

What are the best credit cards for senior citizens?