The 10 Best Credit Cards for Seniors & Retirees [2024]

Whether you’re a senior whose priority is simply enjoying the good life you’ve earned or you’re reinventing yourself with a part-time career that focuses more on your passions than on earning potential, chances are your priorities have changed.

Perhaps your spending has shifted to everyday purchases, road trips, or even extended travel abroad, and a fresh look at your spending mix and your collection of rewards-earning cards is in order.

While no 2 seniors are alike, neither are rewards-earning credit cards. So today we’ve chosen to focus on a collection of popular cards that may appeal to a wide range of consumers, including seniors.

Join us as we look at some of the best cards for earning rewards, each with special features that could spark your interest and provide value to you as a senior.

The 10 Best Credit Cards for Seniors and Retirees — Overview

The 6 Best Everyday Credit Cards for Seniors and Retirees

Blue Cash Preferred^® Card from American Express

HIGHEST CASH BACK

Terms Apply / Rates & Fees

Blue Cash Preferred^® Card from American Express

U.P. Rating

The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

This card is great for those who want to earn cash-back with U.S. supermarkets, U.S. streaming subscriptions, transit, and U.S. gas stations.

Learn More(at Amex's secure site)

Blue Cash Preferred^® Card from American Express

This card is great for those who want to earn cash-back with U.S. supermarkets, U.S. streaming subscriptions, transit, and U.S. gas stations.

Welcome Offer

Earn a $250 statement credit after you spend $3,000 in purchases on your new Card within the first 6 months.

$250

Annual Fee

$0 intro annual fee for the first year, then $95.

APR

19.24%-29.99% Variable,0% on purchases for 12 months

Credit Recommended

Upgraded Points credit ranges are a variation of FICO^®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.

Good to Excellent (670-850)

Why We Like This Card

The Blue Cash Preferred^® Card from American Express is a stellar cash-back credit card for those looking to maximize every purchase they make.

With bonus categories like U.S. supermarkets, select streaming services, U.S. gas stations, and transit purchases, this card rewards you for the items you spend the most on in a big way! For those looking to earn up to 6% cash-back on their purchases, this could be the card for you!

Pros & Cons

Pros

• 6% cash-back at U.S. supermarkets (up to $6,000 per year) and on select streaming services
• 6% cash-back on select U.S. streaming subscriptions
• 3% cash-back on U.S. gas stations and transit (including rideshares, parking, etc.)
• 1% cash-back on all other purchases

Cons

• $0 intro annual fee for the first year, then $95 annual fee (rates and fees)

Card Highlights

• Earn a $250 statement credit after you spend $3,000 in purchases on your new Card within the first 6 months.
• $0 intro annual fee for the first year, then $95.
• Buy Now, Pay Later: Enjoy $0 intro plan fees when you use Plan It^® to split up large purchases into monthly installments. Pay $0 intro plan fees on plans created during the first 12 months from the date of account opening. Plans created after that will have a monthly plan fee up to 1.33% of each eligible purchase amount moved into a plan based on the plan duration, the APR that would otherwise apply to the purchase, and other factors.
• Low Intro APR: 0% on purchases and balance transfers for 12 months from the date of account opening. After that, your APR will be a variable APR of 19.24% - 29.99%. Variable APRs will not exceed 29.99%.
• 6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%).
• 6% Cash Back on select U.S. streaming subscriptions.
• 3% Cash Back at U.S. gas stations.
• 3% Cash Back on transit (including taxis/rideshare, parking, tolls, trains, buses and more).
• 1% Cash Back on other purchases.
• Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit or at Amazon.com checkout.
• Get up to $120 in statement credits annually when you pay for an auto-renewing subscription to Equinox+ at equinoxplus.com with your Blue Cash Preferred^® Card. That’s $10 in statement credits each month. Enrollment required.
• Thinking about getting the Disney Bundle which can include Disney+, Hulu, and ESPN+? Your decision made easy with $7/month back in the form of a statement credit after you spend $9.99 or more each month on an eligible subscription (subject to auto renewal) with your Blue Cash Preferred^® Card. Enrollment required.
• Terms Apply.

Financial Snapshot

• APR: 19.24%-29.99% Variable,0% on purchases for 12 months
• Foreign Transaction Fees: 2.7% of each transaction after conversion to US dollars.

Card Categories

• Credit Card Reviews
• Cash Back Credit Cards

Rewards Center

Redeem cash-back through your American Express account

More Reads

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• Benefits of the Amex Blue Cash Preferred
• Streaming List for the Blue Cash Preferred
• Amex Blue Cash Everyday vs. Amex Blue Cash Preferred
• Chase Sapphire Preferred vs Amex Blue Cash Preferred
• Amex Gold vs Blue Cash Preferred
• Best American Express Credit Cards
• Best Credit Cards for Groceries and Supermarkets
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Best For: Seniors who prefer cash-back, spend $6,000 at U.S. supermarkets each year, use U.S. streaming services, and spend a lot on transit and at U.S. gas stations.

The welcome bonus offers good value the first year you have the Amex Blue Cash Preferred card.

Since the card has an ongoing annual fee, cardholders should have spending levels that will earn enough rewards to offset that fee. But you could meet that goal just by spending $6,000 per year at U.S. supermarkets and earning $360.

Chase Freedom Flex℠

Chase Freedom Flex℠

U.P. Rating

The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

The Freedom Flex card is an excellent no-annual-fee card that still earns big with 5% cash-back on travel and other bonus categories.

Chase Freedom Flex℠

The Freedom Flex card is an excellent no-annual-fee card that still earns big with 5% cash-back on travel and other bonus categories.

Welcome Offer

Earn a $200 bonus after you spend $500 on purchases in your first 3 months from account opening.

$200

Annual Fee

$0

APR

0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 20.49%-29.24%.

Credit Recommended

Upgraded Points credit ranges are a variation of FICO^®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.

Good to Excellent (670-850)

Why We Like This Card

The Chase Freedom Flex℠ sure does pack quite a punch — especially for a no-annual-fee card.

The Freedom Flex card is an incredible option for those looking for a well-rounded cash-back card, or a powerful point-earner when paired with a premium card in the Ultimate Rewards family.

Pros & Cons

Pros

• 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 20.49%-29.24%.
• Powerful cash-back earner: 5% back on quarterly categories and travel purchases through Chase Ultimate Rewards, 3% back on dining and drugstore purchases, and 1% back on all other purchases
• No annual fee
• Excellent cell phone insurance
• Ability to pool points
• Mastercard World Elite benefits

Cons

• 3% foreign transaction fees in U.S. dollars

Card Highlights

• Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening.
• 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. Enjoy new 5% categories each quarter!
• 5% cash back on travel purchased through Chase Ultimate Rewards^®, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more
• 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1% cash back on all other purchases.
• No minimum to redeem for cash back. You can choose to receive a statement credit or direct deposit into most U.S. checking and savings accounts. Cash Back rewards do not expire as long as your account is open!
• 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 20.49%-29.24%.
• No annual fee - You won't have to pay an annual fee for all the great features that come with your Freedom Flex℠ card
• Keep tabs on your credit health - Chase Credit Journey helps you monitor your credit with free access to your latest score, real-time alerts, and more.
• Member FDIC

Financial Snapshot

• APR: 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 20.49%-29.24%.
• Foreign Transaction Fees: None

Card Categories

• Credit Card Reviews
• Cash Back Credit Cards
• No Annual Fee Cards

Rewards Center

Chase Ultimate Rewards

More Reads

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• Amex Blue Cash Everyday vs Chase Freedom Flex
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Best For: Seniors who want to earn rewards on everyday purchases such as at drugstores, dining, and purchases via the Chase Travel portal. Cardholders will also enjoy added bonus spending categories each quarter that provide added 5% cash-back earnings on up to $1,500 in purchases.

Cash-back earned from the Freedom Flex card can be transferred to a premium Chase card, thus turning your cash-back into Ultimate Rewards for the ability to redeem for travel for up to 50% more in value or transferred to Chase airline and hotel partners for even greater potential value.

The card also offers valuable benefits such as cell phone protection — incredible for a no-annual-fee card.

Hot Tip: To maximize your money spent on flights, hotels, cruises, travel insurance, and more, check out our guide to travel and discounts for seniors.

AARP^® Essential Rewards Mastercard^® from Barclays

Best For: Seniors who are AARP members, prefer a no-annual-fee card, and spend a lot at drugstores, gas stations, and on medical expenses.

AARP membership is a natural draw for seniors with its educational offerings, discounts, and retirement resources. This AARP-branded card pairs nicely with your membership.

Cardholders can expect to earn cash back on the following purchases.

• 3% cash-back at drugstores and gas stations (excludes Target and Walmart)
• 2% cash-back on medical expenses
• 1% cash-back on all other purchases

Rewards can be redeemed for cash-back, to pay your AARP membership, gift cards, and more.

Citi Double Cash^® Card (2% Cash-back on All Purchases)

Citi Double Cash^® Card

U.P. Rating

The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

Great card for the average spender with no specific focus category; worry-free cash-back earning on everything!

Learn More(at our partner's secure site)

Citi Double Cash^® Card

Great card for the average spender with no specific focus category; worry-free cash-back earning on everything!

Welcome Offer

Earn $200 cash back after spending $1,500 on purchases in the first 6 months of account opening.

$200 cash back

Annual Fee

$0

APR

0% Intro APR for 18 months on balance transfers, then 19.24% - 29.24% Variable

Credit Recommended

Upgraded Points credit ranges are a variation of FICO^®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.

Fair to Excellent (580-850)

Why We Like This Card

The Citi Double Cash^® Card has long been one of the top cash-back credit cards on the market, and the card now has the ability to earn Citi ThankYou Points!

This means that cardholders of the Double Cash card will now earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases. Cash back is earned in the form of ThankYou Points. This means each billing cycle, you will earn 1 ThankYou point per $1 spent on purchases and an additional ThankYou point for every $1 paid on your purchase balance as long as there is a corresponding balance in your Purchase Tracker.

Citi has turned the Double Cash card into a top choice for those who are looking for an everyday, no-fuss credit card.

Pros & Cons

Pros

• Uncapped 2% for every $1 spent (1% when you buy and another 1% when you pay)
• Flexible redemption options
• No annual fee

Cons

• No bonus categories
• 3% foreign transaction fees
• Lack of premium travel benefits

Card Highlights

• Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.
• To earn cash back, pay at least the minimum due on time.
• Balance Transfer Only Offer: 0% intro APR on Balance Transfers for 18 months. After that, the variable APR will be 19.24% – 29.24%, based on your creditworthiness.
• Balance Transfers do not earn cash back. Intro APR does not apply to purchases.
• If you transfer a balance, interest will be charged on your purchases unless you pay your entire balance (including balance transfers) by the due date each month.
• There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. After that, your fee will be 5% of each transfer (minimum $5).

Financial Snapshot

• APR: 0% Intro APR for 18 months on balance transfers, then 19.24% - 29.24% Variable
• Foreign Transaction Fees: 3% of the U.S. dollar amount of each purchase

Card Categories

• Credit Card Reviews
• Cash Back Credit Cards
• No Annual Fee Cards

Rewards Center

Citi ThankYou Rewards

More Reads

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Best For: Seniors who want to earn on every purchase they make, don’t want a complicated earning structure, prefer cash-back, and don’t want to pay an annual fee. Seniors who have high-interest credit card debt could also find value in the card’s 0% intro APR on balance transfers for 18 months. After that, the variable APR will be 19.24% - 29.24%.

If your spending is not focused on any 1 category and you want a no-annual-fee card with simplicity, the Double Cash card should be on your consideration list. You’ll earn 1% cash back when you spend, plus 1% cash-back when you pay your bill (earned as ThankYou Points).

Bottom Line: Selecting a card that earns rewards on purchases you’re making on a daily basis helps build your rewards balance quickly. To maximize earnings, determine which are the largest purchases you make on a regular basis and select a card that matches that specific spending mix. 

Costco Anywhere Visa^® Card by Citi

Costco Anywhere Visa^® Card by Citi

U.P. Rating

The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

Learn More(at our partner's secure site)

Costco Anywhere Visa^® Card by Citi

Welcome Offer

None

Annual Fee

$0

APR

20.49% Variable

Why We Like This Card

The Costco Anywhere Visa^® Card by Citi is a great Citi’s cash-back rewards card designed specifically for Costco Members.

Card Highlights

• Discover one of Citi’s best cash back rewards cards designed exclusively for Costco members
• 4% cash back on eligible gas and EV charging purchases for the first $7,000 per year and then 1% thereafter
• 3% cash back on restaurants and eligible travel purchases
• 2% cash back on all other purchases from Costco and Costco.com
• 1% cash back on all other purchases
• No annual fee with your paid Costco membership and enjoy no foreign transaction fees on purchases
• Receive an annual credit card reward certificate, which is redeemable for cash or merchandise at U.S. Costco warehouses, including Puerto Rico

Financial Snapshot

• APR: 20.49% Variable
• Foreign Transaction Fees: None

Card Categories

• Credit Card Reviews
• Cash Back Credit Cards

Best For: Seniors who shop at Costco, prefer cash-back, and spend a lot at gas stations, restaurants, and on travel.

You’ll need to be a Costco member to be a cardholder, but the Costco Anywhere card doesn’t charge an annual fee so long as you have a Costco membership. We like that the card has elevated rewards of 4% cash-back at all gas stations and EV charging purchases, not just Costco stations, and also rewards 3% cash-back on travel and dining, and 2% on Costco purchases.

Earnings at gas stations are limited to $7,000 in purchases each year, but there is no limit on dining, travel, and Costco purchase earnings.

Card earnings are accumulated and distributed annually.

Blue Cash Everyday^® Card from American Express (Best No-Annual-Fee Card)

Terms Apply / Rates & Fees

Blue Cash Everyday^® Card from American Express

U.P. Rating

The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

This cash-back card offers a capped 3% at U.S. supermarkets, 3% at U.S. gas stations, and 3% on U.S. online retail purchases!

Learn More(at Amex's secure site)

Blue Cash Everyday^® Card from American Express

This cash-back card offers a capped 3% at U.S. supermarkets, 3% at U.S. gas stations, and 3% on U.S. online retail purchases!

Welcome Offer

Earn a $200 statement credit after you spend $2,000 in purchases on your new Card within the first 6 months.

$200

Annual Fee

$0

APR

19.24%-29.99% Variable,0% on purchases for 15 months

Credit Recommended

Upgraded Points credit ranges are a variation of FICO^®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.

Good to Excellent (670-850)

Why We Like This Card

When it comes to cash-back credit cards, there are dozens of options to choose from. So what sets the Blue Cash Everyday^® Card from American Express apart from the rest?

This card is excellent at earning cash-back on your everyday purchases at U.S. supermarkets, U.S. gas stations, and on U.S. online retail purchases. So if you regularly spend money on everyday purchases, this could be the perfect card to add to your wallet.

Pros & Cons

Pros

• 3% back on purchases at U.S. supermarkets on up to $6,000 in purchases each year, then 1% back after.
• 3% back on purchases at U.S. gas stations on up to $6,000 in purchases each year, then 1% back after.
• 3% back on purchases on online retail purchases on up to $6,000 in purchases each year, then 1% back after.
• Monthly credit towards The Disney Bundle
• Monthly credit towards Home Chef

Cons

• Rewards are not flexible and can only be redeemed for cash-back. Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit.

Card Highlights

• Earn a $200 statement credit after you spend $2,000 in purchases on your new Card within the first 6 months.
• No Annual Fee.
• Balance Transfer is back! Enjoy 0% intro APR on purchases and balance transfers for 15 months from the date of account opening. After that, 19.24% to 29.99% variable APR.
• 3% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases, then 1%.
• 3% Cash Back on U.S. online retail purchases, on up to $6,000 per year, then 1%.
• 3% Cash Back at U.S. gas stations, on up to $6,000 per year, then 1%.
• Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit or at Amazon.com checkout.
• Thinking about getting the Disney Bundle which can include Disney+, Hulu, and ESPN+? Your decision made easy with $7/month back in the form of a statement credit after you spend $9.99 or more each month on an eligible subscription (subject to auto renewal) with your Blue Cash Everyday^® Card. Enrollment required.
• Enjoy up to $15 back per month when you purchase a Home Chef meal kit subscription (subject to auto renewal) with your enrolled Blue Cash Everyday^® Card.
• Terms Apply.

Financial Snapshot

• APR: 19.24%-29.99% Variable,0% on purchases for 15 months
• Foreign Transaction Fees: 2.7% of each transaction after conversion to US dollars.

Card Categories

• Credit Card Reviews
• Cash Back Credit Cards
• No Annual Fee Cards

More Reads

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• Benefits of the Blue Cash Everyday
• Amex Blue Cash Everyday vs. Amex Blue Cash Preferred
• Amex Blue Cash Everyday vs Chase Freedom Unlimited
• Amex Gold vs Blue Cash Everyday
• Amex Blue Cash Everyday vs Chase Freedom Flex
• Best 0% Interest Credit Cards
• Best Credit Cards for Groceries and Supermarkets
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Best For: Seniors who prefer cash-back, yet still want bonus earnings at U.S. gas stations and U.S. supermarkets. Seniors who have a large purchase or purchases coming up could also save on interest charges with the 0% APR period (rates & fees).

The Amex Blue Cash Everyday card doesn’t charge an annual fee but still offers plenty of earning opportunities with 3% cash-back earnings at U.S. supermarkets (up to $6,000 in purchases each year), 3% cash-back on U.S. online retail purchases (up to $6,000 in purchases each year), and 3% earnings at U.S. gas stations (up to $6,000 in purchases each year).

In addition, the card comes with a 0% intro APR on purchases and balance transfers for 15 months from the date of account opening. After that, 19.24% - 29.99% variable APR.

Bottom Line: Cash-back cards work well for those who prefer simplicity at redemption time. Cash rewards can even be accumulated to help cover the cost of an annual vacation. 

The 2 Best Travel Rewards Cards for Seniors and Retirees

Chase Sapphire Preferred^® Card (Top Pick)

POPULAR FIRST CARD

Chase Sapphire Preferred^® Card

U.P. Rating

The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

A fantastic travel card with a huge welcome offer, good benefits, and perks for a moderate annual fee.

Learn More(at Chase's secure site)

Chase Sapphire Preferred^® Card

A fantastic travel card with a huge welcome offer, good benefits, and perks for a moderate annual fee.

Welcome Offer

Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Ultimate Rewards^®.

60,000 points

UP's Bonus Valuation*:

$1,200

Annual Fee

$95

APR

21.49%-28.49% Variable

Credit Recommended

Upgraded Points credit ranges are a variation of FICO^®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.

Good to Excellent (670-850)

Why We Like This Card

The Chase Sapphire Preferred^® card is one of the best travel rewards cards on the market. Its bonus categories include travel, dining, online grocery purchases, and streaming services, which gives you the opportunity to earn lots of bonus points on these purchases.

Additionally, it offers flexible point redemption options, no foreign transaction fees, and excellent travel insurance coverage including primary car rental insurance. With benefits like these, it’s easy to see why this card is an excellent choice for any traveler.

Pros & Cons

Pros

• 5x points on all travel booked via the Chase Travel portal
• 5x points on select Peloton purchases over $150 (through March 31, 2025)
• 5x points on Lyft purchases (through March 31, 2025)
• 3x points on dining purchases, online grocery purchases, and select streaming services
• 2x points on all other travel worldwide
• $50 annual credit on hotel stays booked through the Chase Travel portal
• 6 months of complimentary Instacart+ (activate by July 31, 2024), plus up to $15 in statement credits each quarter through July 2024
• Excellent travel and car rental insurance
• 10% annual bonus points
• No foreign transaction fees
• 1:1 point transfer to leading airline and hotel loyalty programs like United MileagePlus and World of Hyatt

Cons

• $95 annual fee
• No elite benefits like airport lounge access or hotel elite status

Card Highlights

• Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Travel℠.
• Enjoy benefits such as 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases, $50 Annual Chase Travel Hotel Credit, plus more.
• Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Travel℠. For example, 60,000 points are worth $750 toward travel.
• Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
• Get complimentary access to DashPass which unlocks $0 delivery fees and lower service fees for a minimum of one year when you activate by December 31, 2024.
• Member FDIC

Financial Snapshot

• APR: 21.49%-28.49% Variable
• Foreign Transaction Fees: None

Card Categories

• Credit Card Reviews
• Credit Cards
• Travel Rewards Credit Cards
• Best Sign Up Bonuses

Rewards Center

Chase Ultimate Rewards

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• Amex Gold vs Chase Sapphire Preferred

Best For: Seniors who travel, want to earn rewards that have flexible redemption options, and want to receive travel insurance benefits.

Earning the Chase Sapphire Preferred card‘s generous welcome bonus by meeting minimum spending requirements in the first 3 months after card approval delivers a nice bank of Ultimate Rewards points to fund your next travel adventure.

We like that the card allows rewards redemptions via the Chase Travel portal with 25% more value and the ability to transfer points to travel partners for even greater potential value.

The Chase Sapphire Preferred card also has one of the best collections of travel insurance benefits, including primary car rental insurance, trip cancellation, trip interruption, trip delay, baggage insurance, and travel accident insurance.

Capital One Venture Rewards Credit Card

Terms Apply / Rates & Fees

Capital One Venture Rewards Credit Card

U.P. Rating

The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

Get 2x miles plus some of the most flexible redemptions offered by a travel credit card!

Learn More(at Capital One's secure site)

Capital One Venture Rewards Credit Card

Get 2x miles plus some of the most flexible redemptions offered by a travel credit card!

Welcome Offer

Enjoy a one-time bonus of 75,000 miles once you spend $4,000 on purchases within 3 months from account opening, equal to $750 in travel.

75,000 miles

UP's Bonus Valuation*:

$1,350

Annual Fee

$95

APR

19.99% - 29.99% (Variable)

Credit Recommended

Upgraded Points credit ranges are a variation of FICO^®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.

Good to Excellent Credit (670-850)

Why We Like This Card

The Capital One Venture Rewards Credit Card is one of the most popular rewards cards on the market. It’s perfect for anyone in search of a great welcome offer, high rewards rates, and flexible redemption options.

Frequent travelers with excellent credit may benefit from this credit card that offers a lot of bells and whistles. And it offers easy-to-understand rewards earning and redemption.

Pros & Cons

Pros

• 5x miles per $1 on hotels and rental cars booked through Capital One Travel
• 2x miles per $1 on all other purchases
• Global Entry or TSA PreCheck application fee credit
• No foreign transaction fees (rates & fees)
• Access to Capital One transfer partners

Cons

• $95 annual fee (rates & fees)
• Limited elite benefits

Card Highlights

• Enjoy a one-time bonus of 75,000 miles once you spend $4,000 on purchases within 3 months from account opening, equal to $750 in travel
• Earn unlimited 2X miles on every purchase, every day
• Earn 5X miles on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options
• Miles won't expire for the life of the account and there's no limit to how many you can earn
• Receive up to a $100 credit for Global Entry or TSA PreCheck^®
• Use your miles to get reimbursed for any travel purchase—or redeem by booking a trip through Capital One Travel
• Enrich every hotel stay from the Lifestyle Collection with a suite of cardholder benefits, like a $50 experience credit, room upgrades, and more
• Transfer your miles to your choice of 15+ travel loyalty programs

Financial Snapshot

• APR: 19.99% - 29.99% (Variable)
• Foreign Transaction Fees: None

Card Categories

• Credit Card Reviews
• Travel Rewards Credit Cards
• Best Sign Up Bonuses

Rewards Center

Capital One Miles

More Reads

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• Best Credit Card Sign Up Bonuses
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Best For: Busy seniors who don’t want to be bothered with complicated earning structures yet want options to use their rewards for travel.

The Capital One Venture card earns a straightforward 2x miles on every purchase so there are no categories nor rotating bonuses to remember. Plus, you can use your miles on flights, hotels, and more since you can transfer your miles to nearly 20 travel loyalty programs.

Seniors could also consider the Capital One VentureOne Rewards Credit Card, a no-annual-fee card (rates & fees) with the same simple rewards-earning structure and the option to redeem rewards for travel.

If you’d like to compare the Capital One Venture card and the Capital One VentureOne card, we’ve gathered all the details in our card comparison article.

Bottom Line: Travel rewards cards that earn flexible points can offer tremendous value at redemption time. Having the option to redeem points for statement credits, purchase travel, or transfer points to travel partners helps ensure you’ll receive the best possible value for your rewards. 

The 2 Best Premium Travel Rewards Cards for Seniors and Retirees

Premium credit cards come with lots of benefits that can save you money and make your travel more comfortable. Premium cards also come with higher annual fees, so it’s important to review the list of benefits and determine the value you’ll receive with each card.

We frequently get asked if the benefits that come with these premium cards have an age limit for coverage, and we eagerly respond that indeed they do not.

Here are 2 of the most popular premium travel rewards cards that can offer value to traveling seniors:

The Platinum Card^® from American Express

BEST LOUNGE ACCESS

Terms Apply / Rates & Fees

The Platinum Card^® from American Express

U.P. Rating

The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

The Amex Platinum reigns supreme for luxury travel, offering the best airport lounge access plus generous statement credits, and complimentary elite status.

Learn More(at Amex's secure site)

The Platinum Card^® from American Express

The Amex Platinum reigns supreme for luxury travel, offering the best airport lounge access plus generous statement credits, and complimentary elite status.

Welcome Offer

Earn 80,000 Membership Rewards^® Points after you spend $8,000 on purchases on the Card in your first 6 months of Card Membership.

80,000 points

UP's Bonus Valuation*:

$1,760

Annual Fee

$695

APR

See Pay Over Time APR

Credit Recommended

Upgraded Points credit ranges are a variation of FICO^®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.

Good to Excellent (670-850)

Why We Like This Card

When it comes to cards that offer top-notch benefits, you’d be hard-pressed to find a better card out there than The Platinum Card^® from American Express.

Make no mistake — the Amex Platinum card is a premium card with a premium price tag. With amazing benefits like best-in-class airport lounge access, hotel elite status, and tremendous value in annual statement credits, it can easily prove to be one of the most lucrative cards in your wallet year after year.

Pros & Cons

Pros

• The best airport lounge access out of any card (by far) — enjoy access to over 1,400 worldwide lounges, including the luxurious Amex Centurion Lounges, Priority Pass lounges, Plaza Premium Lounges, and many more!
• 5x points per dollar spent on flights purchased directly with the airline or with AmexTravel.com (up to $500,000 per year)
• 5x points per dollar spent on prepaid hotels booked with AmexTravel.com
• Annual and monthly statement credits upon enrollment (airline credit, Uber Cash credit, Saks Fifth Avenue credit, streaming credit, prepaid hotel credit on eligible stays, Walmart+ credit, CLEAR credit, and Equinox credit)
• TSA PreCheck or Global Entry credit
• Access to American Express Fine Hotels and Resorts
• Access to Amex International Airline Program
• No foreign transaction fees (rates and fees)

Cons

• $695 annual fee (rates and fees)
• Airline credit does not cover airfare (only incidentals like checked bags)

Card Highlights

• Earn 80,000 Membership Rewards^® Points after you spend $8,000 on purchases on your new Card in your first 6 months of Card Membership. Apply and select your preferred metal Card design: classic Platinum Card^®, Platinum x Kehinde Wiley, or Platinum x Julie Mehretu.
• Earn 5X Membership Rewards^® Points for flights booked directly with airlines or with American Express Travel up to $500,000 on these purchases per calendar year and earn 5X Membership Rewards^® Points on prepaid hotels booked with American Express Travel.
• $200 Hotel Credit: Get up to $200 back in statement credits each year on prepaid Fine Hotels + Resorts^® or The Hotel Collection bookings with American Express Travel when you pay with your Platinum Card^®. The Hotel Collection requires a minimum two-night stay.
• $240 Digital Entertainment Credit: Get up to $20 back in statement credits each month on eligible purchases made with your Platinum Card^® on one or more of the following: Disney+, a Disney Bundle, ESPN+, Hulu, The New York Times, Peacock, and The Wall Street Journal. Enrollment required.
• $155 Walmart+ Credit: Cover the cost of a $12.95 monthly Walmart+ membership (subject to auto-renewal) with a statement credit after you pay for Walmart+ each month with your Platinum Card^®. Cost includes $12.95 plus applicable local sales tax. Plus Up Benefits are excluded.
• $200 Airline Fee Credit: Select one qualifying airline and then receive up to $200 in statement credits per calendar year when incidental fees are charged by the airline to your Platinum Card^®.
• $200 Uber Cash: Enjoy Uber VIP status and up to $200 in Uber savings on rides or eats orders in the US annually. Uber Cash and Uber VIP status is available to Basic Card Member only. Terms Apply.
• $300 Equinox Credit: Get up to $300 back in statement credits per calendar year on an Equinox membership, or an Equinox club membership (subject to auto-renewal) when you pay with your Platinum Card^®. Enrollment required. Visit https://platinum.equinox.com/ to enroll.
• $189 CLEAR^® Plus Credit: Breeze through security with CLEAR Plus at 100+ airports, stadiums, and entertainment venues nationwide and get up to $189 back per calendar year on your Membership (subject to auto-renewal) when you use your Platinum Card^®. Learn more.
• $100 Global Entry Credit: Receive either a $100 statement credit every 4 years for a Global Entry application fee or a statement credit up to $85 every 4.5 years for a TSA PreCheck^® (through a TSA official enrollment provider) application fee, when charged to your Platinum Card^®. Card Members approved for Global Entry will also receive access to TSA PreCheck at no additional cost.
• Shop Saks with Platinum: Get up to $100 in statement credits annually for purchases in Saks Fifth Avenue stores or at saks.com on your Platinum Card^®. That's up to $50 in statement credits semi-annually. Enrollment required.
• $300 SoulCycle At-Home Bike Credit: Get a $300 statement credit for the purchase of a SoulCycle at-home bike with your Platinum Card^®. An Equinox+ subscription is required to purchase a SoulCycle at-home bike and access SoulCycle content. Must charge full price of bike in one transaction. Shipping available in the contiguous U.S. only. Enrollment Required.
• Unlock access to exclusive reservations and special dining experiences with Global Dining Access by Resy when you add your Platinum Card^® to your Resy profile.
• $695 annual fee.
• Terms Apply.

Financial Snapshot

• APR: See Pay Over Time APR
• Foreign Transaction Fees: None

Card Categories

• Credit Card Reviews
• Credit Cards
• Travel Rewards Credit Cards
• Best Sign Up Bonuses

Rewards Center

American Express Membership Rewards

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Best For: Seniors who value luxury travel benefits such as worldwide lounge access (including prestigious Centurion Lounges), hotel elite status, and car rental perks will find value in having the card. Seniors can also save hundreds of dollars with statement credits for specific purchases.

We like that Membership Rewards points earned on the Amex Platinum card can have great value at redemption time when transferring Amex points Points can also be redeemed via AmexTravel.com.

The card also offers a nice package of travel insurance benefits, including emergency evacuation insurance (no stated limit on coverage), trip interruption and cancellation insurance, and secondary car rental insurance with an option to purchase Premium Protection for 1 low fee that covers the entire rental period.

Chase Sapphire Reserve^®

Chase Sapphire Reserve^®

U.P. Rating

The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

A top player in the high-end premium travel credit card space that earns 3x points on travel and dining while offering top luxury perks.

Learn More(at Chase's secure site)

Chase Sapphire Reserve^®

A top player in the high-end premium travel credit card space that earns 3x points on travel and dining while offering top luxury perks.

Welcome Offer

Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $900 toward travel when you redeem through Chase Travel.

60,000 points

UP's Bonus Valuation*:

$1,200

Annual Fee

$550

APR

22.49%-29.49% Variable

Credit Recommended

Upgraded Points credit ranges are a variation of FICO^®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.

Excellent (740-850)

Why We Like This Card

If you’re looking for an all-around excellent travel rewards card, the Chase Sapphire Reserve^® is one of the best options out there.

The card combines elite travel benefits and perks like airport lounge access, with excellent point earning and redemption options.  Plus it offers top-notch travel insurance protections to keep you covered whether you’re at home or on the road.

Don’t forget the $300 annual travel credit which really helps to reduce the annual fee!

Pros & Cons

Pros

• 10x total points on hotels and car rentals when you purchase travel through Chase TravelSM immediately after the first $300 is spent on travel purchases annually
• 10x points on Lyft purchases March 31, 2025
• 10x points on Peloton equipment and accessory purchases over $250 through March 31, 2025
• 5x points on airfare booked through Chase Travel^SM
• 3x points on all other travel and dining purchases; 1x point on all other purchases
• $300 annual travel credit
• Priority Pass airport lounge access
• TSA PreCheck, Global Entry, or NEXUS credit
• Access to Chase Luxury Hotel and Resort Collection
• Rental car elite status with National and Avis

Cons

• $550 annual fee
• Does not offer any sort of hotel elite status

Card Highlights

• Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $900 toward travel when you redeem through Chase Travel℠.
• $300 Annual Travel Credit as reimbursement for travel purchases charged to your card each account anniversary year.
• Earn 5x total points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Travel℠ immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1 point per $1 spent on all other purchases
• Get 50% more value when you redeem your points for travel through Chase Travel℠. For example, 60,000 points are worth $900 toward travel.
• 1:1 point transfer to leading airline and hotel loyalty programs
• Access to 1,300+ airport lounges worldwide after an easy, one-time enrollment in Priority Pass™ Select and up to $100 application fee credit every four years for Global Entry, NEXUS, or TSA PreCheck^®
• Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more
• Member FDIC

Financial Snapshot

• APR: 22.49%-29.49% Variable
• Foreign Transaction Fees: None

Card Categories

• Credit Card Reviews
• Credit Cards
• Travel Rewards Credit Cards
• Best Sign Up Bonuses

Rewards Center

Chase Ultimate Rewards

More Reads

• Chase Sapphire Reserve 100k Bonus Offer
• Chase Sapphire Reserve Benefits
• Chase Sapphire Reserve Airport Lounge Access
• Chase Sapphire Reserve Travel Insurance Benefits
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• Amex Gold vs Chase Sapphire Reserve
• Amex Platinum vs Chase Sapphire Reserve
• Chase Sapphire Preferred vs Reserve

Best For: Traveling seniors who want to earn well on travel and dining purchases and who value a long list of travel-related benefits.

The Chase Sapphire Reserve card offers a $300 annual travel statement credit that is easy to use and elevated earnings on travel and dining purchases.

The card comes with $100,000 in emergency evacuation insurance, a limited emergency medical and dental benefit, roadside assistance services up to $50 per service call, primary car rental insurance, trip interruption, cancellation, and delay insurance, and more.

While the travel benefits that come on either of these premium travel rewards cards are not meant to replace a comprehensive travel insurance policy, you will find benefits you can use.

To learn more about how the Amex Platinum card and the Chase Sapphire Reserve card compare side by side, we’ve done the homework for you in this informative article.

Bottom Line: We like that both of these premium travel rewards cards have elevated travel benefits for cardholders of all ages that can make travel more comfortable, save money, and provide assistance if something goes wrong. We also like that both cards earn flexible points that can be transferred to airline and hotel partners for potentially greater value. 

Final Thoughts

When it comes to rewards-earning credit cards, one size certainly does not fit all! To find the best credit card for your situation, regardless of whether you’re a student, business owner, frequent traveler, or senior, your spending mix and redemption priorities always play a key role.

You’ll also want to find a card with an annual fee you’re comfortable paying and one that comes with benefits you can actually use and can gain value from.

Additionally, 1 card may not meet all of your needs, so a combination of cards might be worth consideration.

For the car rental collision damage coverage benefit of the Platinum Card^® from American Express, eligibility and benefit level varies by card. Terms, conditions and limitations apply. Visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company. Car rental loss or damage coverage is offered through American Express Travel Related Services Company, Inc. For the trip cancellation and interruption insurance benefits of the Platinum Card^® from American Express, eligibility and benefit level varies by card. Terms, conditions and limitations apply. Visit americanexpress.com/benefitsguide for more details. Underwritten by New Hampshire Insurance Company, an AIG Company.
The information regarding the AARP^® Essential Rewards Mastercard^® from Barclays^® was independently collected by Upgraded Points and not provided nor reviewed by the issuer.