AARP Essential Rewards Mastercard from Barclays is a personal credit card from Barclays. Application typically pulls a credit report from TransUnion. The annual fee is $0. The ongoing APR is 20.49% to 29.99% after a 0% intro APR on balance transfers for the first 15 billing cycles (transfers posted within 45 days of opening); no intro APR on purchases introductory rate. Signup bonus: $100 cash back bonus after $500 in purchases in the first 90 days. Rewards: 3% cash back on gas and drug store purchases (excl. Target and Walmart); 2% on eligible medical expenses; 1% on all other purchases.