The Ultimate Guide to Credit Cards
Thursday, July 2, 2026

5 Best Credit Cards for Seniors & Retirees (2026)

Best Credit Cards For Seniors And Retirees
Brittney Mayer

Writer: Brittney Mayer

Brittney Mayer

Brittney Mayer, Credit Analyst

Brittney is a Credit Strategist and Finance Expert who has spent years honing her knowledge of the credit industry both personally and professionally. Brittney applies her more than a decade of research experience to crafting in-depth consumer guides designed to help CardRates readers make better, more informed financial decisions.

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Lillian Guevara-Castro

Editor: Lillian Guevara-Castro

Lillian Guevara-Castro

Lillian Guevara-Castro, Senior Editor

Lillian Guevara-Castro brings more than 30 years of editing and journalism experience to the CardRates team. She has worked at The Atlanta Journal and Constitution, Gwinnett Daily News, Gainesville Sun, and The New York Times, where she covered demographics, consumer issues, and the business and financial sectors. Lillian has a degree in journalism and communications from Georgia State University and brings her fact-checking expertise to ensure Digital Brands content is accurate and engaging.

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Ashley Fricker

Reviewer: Ashley Fricker

Ashley Fricker

Ashley Fricker, Senior Editor

Ashley Fricker has more than a decade of experience as a finance contributor and editor, and has specialized in the credit card industry since 2015. Her credit card commentary is featured on national media outlets that include CNBC, MarketWatch, Investopedia, and Reader's Digest, among many others. She has worked closely with the world’s largest banks and financial institutions, up-and-coming fintech companies, and press and news outlets to curate comprehensive content and media. Ashley holds a bachelor's degree in multimedia journalism from Florida Atlantic University.

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With so many options available these days, it may seem impossible to know where to begin when searching for the best credit cards for seniors and retirees. Well, we’ve done some research for you — keep reading for some of our top choices.

It’s estimated that by 2030, a full 18% of the US population will be 65 and older, with a projected 10,000 people retiring each day. For most folks, aging and retirement come with many major lifestyle changes, including a number of shifts in their financial needs.

As you set out on new adventures, it makes sense to re-evaluate your current credit cards to determine whether they still merit a place in your wallet. You may also want to take a look at the options to see if there are replacements that will better suit your new lifestyle.

Travel Rewards | No Foreign Transaction Fees | Cash Back | 0% Intro APR | Low Ongoing APR

Best “Travel Rewards” Cards for Seniors

While the average Baby Boomer may spend around $6,300 on travel in a single year, those who use the right travel rewards credit card for their expenses may be able to cut that number down by an appreciable amount.

Travel rewards credit cards offer points or miles on every purchase, which can generally be redeemed for travel-related expenses like flights and hotel stays. Many of our favorite travel cards even come with nice signup bonuses to get you traveling faster.

1

Capital One Venture Rewards Credit Card

CardRates Expert Rating ★★★★★ 4.8/5.0
  • Earn 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, vacation rentals and rental cars booked through Capital One Travel
  • 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 $120 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
  • Enjoy a $50 experience credit and other premium benefits with every hotel and vacation rental booked from the Lifestyle Collection
  • Transfer your miles to your choice of 15+ travel loyalty programs
  • Top rated mobile app
Intro (Purchases) N/A
Intro (Transfers) N/A
Regular APR 19.49% - 28.49% (Variable)
Annual Fee $95
Credit Needed Excellent, Good
2

Capital One Venture X Rewards Credit Card

CardRates Expert Rating ★★★★★ 4.7/5.0
  • Earn 75,000 bonus miles when you spend $4,000 on purchases in the first 3 months from account opening, equal to $750 in travel
  • Receive a $300 annual credit for bookings through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options
  • Get 10,000 bonus miles (equal to $100 towards travel) every year, starting on your first anniversary
  • Earn unlimited 10X miles on hotels and rental cars booked through Capital One Travel and 5X miles on flights and vacation rentals booked through Capital One Travel
  • Earn unlimited 2X miles on all other purchases
  • Enjoy access to 1,300+ lounges worldwide, including Capital One Lounge and Landing locations and participating Priority Pass™ lounges, after enrollment
  • Use your Venture X miles to easily cover travel expenses, including flights, hotels, rental cars and more—you can even transfer your miles to your choice of 15+ travel loyalty programs
  • Enjoy a $100 experience credit and other premium benefits with every hotel and vacation rental booked from the Premier Collection
  • Receive up to a $120 credit for Global Entry or TSA PreCheck®
  • Top rated mobile app
Intro (Purchases) N/A
Intro (Transfers) N/A
Regular APR 19.49% - 28.49% (Variable)
Annual Fee $395
Credit Needed Excellent
3

Capital One Venture Business

CardRates Expert Rating ★★★★★ 4.7/5.0
  • Earn a one-time welcome bonus of 100,000 miles once you spend $10,000 on purchases within the first 3 months from account opening
  • Earn unlimited 2X miles per dollar on every purchase, everywhere, no limits or category restrictions, and miles won't expire for the life of the account
  • Receive up to $220 in credits: Receive an annual $50 travel credit for bookings through Capital One Business Travel, up to an annual $50 statement credit for purchases at qualifying advertising or software merchants, plus up to a $120 credit for Global Entry or TSA PreCheck® every four years. Terms and conditions apply
  • Unlimited 5X miles on hotels, vacation rentals and rental cars booked through Capital One Business Travel
  • Transfer your miles to 15+ travel loyalty programs
  • Redeem your miles instantly for any travel-related purchases, from flights and hotels to ride-sharing services
  • $95 annual fee
  • Free employee cards which also earn unlimited 2X miles from their purchases
  • Top rated mobile app
Intro (Purchases) N/A
Intro (Transfers) N/A
Regular APR 24.49% (Variable)
Annual Fee $95
Credit Needed Excellent

+See More Cards with Travel Rewards

In your research, you’ll come across two main types of travel rewards credit cards: co-branded and bank-branded.

Co-branded credit cards are typically aligned with a single airline or hotel brand and earn loyalty points for that brand (i.e., an American Airlines co-branded credit card earns American Airlines miles). While the rewards are generally limited to redemption on branded purchases, co-branded cards can often provide additional perks and benefits.

Travel cards issued directly by the bank tend to reward generic points or miles that can be redeemed toward travel purchases through the issuer’s own redemption system. This usually means no blackout dates or brand restrictions. Some travel cards will also allow you to transfer your points to partner airline or hotel brands for direct redemption.

Best “No Foreign Transaction Fee” Cards for Seniors

Of the millions of seniors planning trips in the next year, nearly half intend to travel internationally. With their security and convenience, credit cards can make traveling abroad much easier — but that ease isn’t always free.

For example, making purchases in foreign currencies is simple with a credit card that automatically converts it, but the 2% to 4% foreign transaction fees can get costly. To avoid these fees, you should choose a card that won’t charge foreign transaction fees, like our picks below.

4

Discover it® Cash Back

CardRates Expert Rating ★★★★★ 4.9/5.0
  • INTRO OFFER: Unlimited Cashback Match for all new cardmembers. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. You could turn $150 cash back into $300.
  • Earn 5% cash back on everyday purchases at different places you shop each quarter like grocery stores, restaurants, gas stations, and more, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases.
  • Redeem cash back for any amount. No annual fee.
  • Get a 0% intro APR for 15 months on purchases and balance transfers. Then 17.49% to 26.49% Standard Variable Purchase APR applies, based on credit worthiness.
  • Terms and conditions apply.
Intro (Purchases) 0% Intro APR for 15 months
Intro (Transfers) 0% Intro APR for 15 months
Regular APR 17.49% - 26.49% Variable APR
Annual Fee $0
Credit Needed Excellent/Good
5

Capital One Venture Rewards Credit Card

CardRates Expert Rating ★★★★★ 4.8/5.0
  • Earn 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, vacation rentals and rental cars booked through Capital One Travel
  • 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 $120 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
  • Enjoy a $50 experience credit and other premium benefits with every hotel and vacation rental booked from the Lifestyle Collection
  • Transfer your miles to your choice of 15+ travel loyalty programs
  • Top rated mobile app
Intro (Purchases) N/A
Intro (Transfers) N/A
Regular APR 19.49% - 28.49% (Variable)
Annual Fee $95
Credit Needed Excellent, Good
6

Chase Sapphire Reserve®

CardRates Expert Rating ★★★★★ 4.7/5.0
  • Earn 125,000 bonus points after you spend $6,000 on purchases in the first 3 months from account opening.
  • Get more than $2,700 in annual value with Sapphire Reserve.
  • Earn 8x points on all purchases through Chase Travel℠, including The Edit℠ and 4x points on flights and hotels booked direct. Plus, earn 3x points on dining worldwide & 1x points on all other purchases
  • $300 annual travel credit as reimbursement for travel purchases charged to your card each account anniversary year.
  • Access over 1,300 airport lounges worldwide with a complimentary Priority Pass™ Select membership, plus every Chase Sapphire Lounge® by The Club with two guests. Plus, up to $120 towards Global Entry, NEXUS, or TSA PreCheck® every 4 years
  • Get up to $150 in statement credits every six months for a maximum of $300 annually for dining at restaurants that are part of Sapphire Reserve Exclusive Tables.
  • Count on Trip Cancellation/Interruption Insurance, Auto Rental Coverage, Lost Luggage Insurance, no foreign transaction fees, and more.
  • Get complimentary Apple TV+, the exclusive streaming home of Apple Originals. Plus Apple Music — all the music you love, across all your devices. Subscriptions run through 6/22/27 — a value of $250 annually
  • Member FDIC
Intro (Purchases) N/A
Intro (Transfers) N/A
Regular APR 20.24% - 28.74% Variable
Annual Fee $795
Credit Needed Good/Excellent

Additional Disclosure: Non-Monetized. The information related to Chase Sapphire Reserve® was collected by CardRates and has not been reviewed or provided by the issuer of this product/card. Product details may vary. Please see issuer website for current information. CardRates does not receive commission for this product.

+See More Cards with No Foreign Transaction Fees

Some foreign merchants may offer you dynamic currency conversion (DCC), which basically means they’ll convert their prices to US dollars for you before running your credit card.

DCC can seem like a convenient way to avoid foreign transaction fees, but it’s rarely the best way to get a good conversion rate since the merchant can choose the rate. What’s more, your issuer may still consider the transaction to be foreign and charge you a fee anyway.

Best “Cash Back” Cards for Seniors

Those who see the articles on complicated schemes to maximize rewards for free travel may be intimidated into thinking credit card rewards are too complicated. But not all rewards credit cards come with convoluted transfers and three-digit annual fees.

For many, the simplest form of credit card rewards is cash back, with straightforward, flat-rate redemption that won’t require a spreadsheet to master. Some of our favorite cash back cards can provide up to 5% cash back on eligible purchases, with rewards redeemable as a statement credit.

7

Bank of America® Customized Cash Rewards credit card

CardRates Expert Rating ★★★★★ 4.9/5.0
Bank of America® Customized Cash Rewards credit card Review

at Bank Of America'ssecure website

Our Review »
  • $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening.
  • Earn 6% cash back for the first year in the category of your choice. You’ll automatically earn 2% cash back at grocery stores and wholesale clubs, and unlimited 1% cash back on all other purchases. After the first year from account opening, you’ll earn 3% cash back on purchases in your choice category.
  • Earn 6% and 2% cash back on the first $2,500 in combined purchases each quarter in the choice category, and at grocery stores and wholesale clubs, then earn unlimited 1% thereafter. After the 3% first-year bonus offer ends, you will earn 3% and 2% cash back on these purchases up to the quarterly maximum.
  • No annual fee and cash rewards don’t expire as long as your account remains open.
  • Select your card design option when you apply – the Customized Cash Rewards design, or the limited-time FIFA World Cup 2026™ design.
  • 0% Intro APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the Intro APR offer ends, a Variable APR that’s currently 17.49% - 27.49% will apply. A 3% Intro balance transfer fee will apply for the first 60 days your account is open. After the Intro balance transfer fee offer ends, the fee for future balance transfers is 5%. Balance transfers may not be used to pay any account provided by Bank of America.
  • This offer may not be available elsewhere if you leave this page. You can take advantage of this offer when you apply now.
Intro (Purchases) 0% Intro APR for 15 billing cycles for purchases
Intro (Transfers) 0% Intro APR for 15 billing cycles for any balance transfers made in the first 60 days (Balance Transfer Fee 3% for 60 days from account opening, then 5%)
Regular APR 17.49% - 27.49% Variable APR on purchases and balance transfers
Annual Fee $0
Credit Needed Excellent/Good

Additional Disclosure: Bank of America is a CardRates advertiser.

8

Citi Double Cash® Card

CardRates Expert Rating ★★★★★ 4.8/5.0
  • Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.
  • 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. Plus, earn 5% total cash back on hotel, car rentals and attractions booked with Citi Travel.
  • Balance Transfer Only Offer: 0% intro APR on Balance Transfers for 18 months. After that, the variable APR will be 17.49% - 27.49%, 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).
Intro (Purchases) N/A
Intro (Transfers) 0% 18 months on Balance Transfers
Regular APR 17.49% - 27.49% (Variable)
Annual Fee $0
Credit Needed Excellent/Good

Additional Disclosure: Citi is a CardRates advertiser.

9

Discover it® Cash Back

CardRates Expert Rating ★★★★★ 4.9/5.0
  • INTRO OFFER: Unlimited Cashback Match for all new cardmembers. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. You could turn $150 cash back into $300.
  • Earn 5% cash back on everyday purchases at different places you shop each quarter like grocery stores, restaurants, gas stations, and more, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases.
  • Redeem cash back for any amount. No annual fee.
  • Get a 0% intro APR for 15 months on purchases and balance transfers. Then 17.49% to 26.49% Standard Variable Purchase APR applies, based on credit worthiness.
  • Terms and conditions apply.
Intro (Purchases) 0% Intro APR for 15 months
Intro (Transfers) 0% Intro APR for 15 months
Regular APR 17.49% - 26.49% Variable APR
Annual Fee $0
Credit Needed Excellent/Good

+See More Cards with Cash Back

By far, the easiest and most hands-off form of credit card rewards can be had from an unlimited cash back card that offers a single earning rate — typically between 1% and 2% — for every purchase.

If you want to take your cash back to the next level, you can try a card that offers bonus cash back for specific category purchases, like gas or restaurants.

You can choose between a card that offers the same bonus categories year-round, or a card that provides rotating categories throughout the year for seasonal savings. These cards often provide 3% to 5% cash back for category purchases, but they may have yearly or quarterly bonus rewards earnings caps.

Best “0% Intro APR” Cards for Seniors

Whether you’re actively retired or simply planning to be, paying for large purchases on a set budget can put a dent in your savings. And charging it to a typical credit card can mean hundreds in interest fees depending on your card’s APR.

Credit cards with 0% introductory APR offers can be a useful way of financing large purchases that you want to pay off over a period of months. Some of the best intro-APR offers, like our top-rated picks below, can offer 12 months or more of 0% interest on new purchases.

10

BankAmericard® credit card

CardRates Expert Rating ★★★★★ 4.6/5.0
BankAmericard® credit card Review

at Bank Of America'ssecure website

Our Review »
  • New! 0% Intro APR for 21 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the Intro APR offer ends, a Variable APR that’s currently 14.99% - 25.99% will apply. A 5% fee applies to all balance transfers. Balance transfers may not be used to pay any account provided by Bank of America.
  • No annual fee.
  • No penalty APR. Paying late won't automatically raise your interest rate (APR). Other account pricing and terms apply.
  • This offer may not be available elsewhere if you leave this page. You can take advantage of this offer when you apply now.
Intro (Purchases) 0% Intro APR for 21 billing cycles for purchases
Intro (Transfers) 0% Intro APR for 21 billing cycles for any balance transfers made in the first 60 days (Balance Transfer Fee 5% of the amount of each transaction)
Regular APR 14.99% - 25.99% Variable APR on purchases and balance transfers
Annual Fee $0
Credit Needed Excellent/Good
11

Bank of America® Customized Cash Rewards credit card

CardRates Expert Rating ★★★★★ 4.9/5.0
Bank of America® Customized Cash Rewards credit card Review

at Bank Of America'ssecure website

Our Review »
  • $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening.
  • Earn 6% cash back for the first year in the category of your choice. You’ll automatically earn 2% cash back at grocery stores and wholesale clubs, and unlimited 1% cash back on all other purchases. After the first year from account opening, you’ll earn 3% cash back on purchases in your choice category.
  • Earn 6% and 2% cash back on the first $2,500 in combined purchases each quarter in the choice category, and at grocery stores and wholesale clubs, then earn unlimited 1% thereafter. After the 3% first-year bonus offer ends, you will earn 3% and 2% cash back on these purchases up to the quarterly maximum.
  • No annual fee and cash rewards don’t expire as long as your account remains open.
  • Select your card design option when you apply – the Customized Cash Rewards design, or the limited-time FIFA World Cup 2026™ design.
  • 0% Intro APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the Intro APR offer ends, a Variable APR that’s currently 17.49% - 27.49% will apply. A 3% Intro balance transfer fee will apply for the first 60 days your account is open. After the Intro balance transfer fee offer ends, the fee for future balance transfers is 5%. Balance transfers may not be used to pay any account provided by Bank of America.
  • This offer may not be available elsewhere if you leave this page. You can take advantage of this offer when you apply now.
Intro (Purchases) 0% Intro APR for 15 billing cycles for purchases
Intro (Transfers) 0% Intro APR for 15 billing cycles for any balance transfers made in the first 60 days (Balance Transfer Fee 3% for 60 days from account opening, then 5%)
Regular APR 17.49% - 27.49% Variable APR on purchases and balance transfers
Annual Fee $0
Credit Needed Excellent/Good

Additional Disclosure: Bank of America is a CardRates advertiser.

12

Citi Strata℠ Card

CardRates Expert Rating ★★★★★ 4.8/5.0
  • Earn 20,000 bonus Points after spending $1,000 in the first 3 months of account opening.
  • 0% Intro APR on balance transfers and purchases for 15 months; after that, the variable APR will be 18.49% - 28.49%, based on your creditworthiness. 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).
  • Earn 3 ThankYou® Points for each $1 spent in an eligible Self-Select Category of your choice (Fitness Clubs, Select Streaming Services, Live Entertainment, Cosmetic Stores/Barber Shops/Hair Salons, or Pet Supply Stores). Choose your eligible Self-Select Category on Citi Online or by calling customer service. The default Self-Select Category is Select Streaming Services.
  • Earn 5 ThankYou® Points for each $1 spent on Hotels, Car Rentals and Attractions booked on Citi Travel® via cititravel.com; earn 3 ThankYou Points for each $1 spent at Supermarkets, on Select Transit purchases, and at Gas & EV Charging Stations.
  • Earn 2 ThankYou® Points for each $1 spent at Restaurants; earn 1 ThankYou® Point for each $1 spent on All Other Purchases.
  • No Annual Fee
Intro (Purchases) 0% 15 months on Purchases
Intro (Transfers) 0% 15 months on Balance Transfers
Regular APR 18.49% - 28.49% (Variable)
Annual Fee $0
Credit Needed Good/Excellent

Additional Disclosure: Citi is a CardRates advertiser.

+See More Cards with 0% Intro APR Offers

The most important thing to remember about intro-APR offers is that they are, by nature, temporary. Your new purchase APR will increase to the default rate once your promotional period expires, and any remaining balance will be charged the higher rate.

Furthermore, be cognizant of the exact terms of your offer. While many intro-APR offers will apply to both new purchases and balance transfers, some offers may only apply to transactions of one type or the other.

Best “Low Ongoing APR” Cards for Seniors

Depending on the source of your retirement income, you may receive sporadic payments or be required to withdraw funds in certain increments or at specific times of the year. This inconsistent income can mean you may need to carry a balance from time to time as you await funds to hit your account.

While introductory low-interest offers can be a good stop-gap for a specific occasion, they don’t last forever. A better option for those who may need to periodically carry a balance is a credit card with a low ongoing APR, like our picks below, that can provide year-round savings.

13

USAA Rate Advantage Visa® Platinum Credit Card

CardRates Expert Rating ★★★★ 4.4/5.0
USAA Rate Advantage Visa® Platinum Credit Card Review

at Usaa Savings'ssecure website

  • Get a 0% intro APR for 15 months on Balance Transfers and Convenience Checks that post to your account within 90 days of account opening. After this time, the Variable Regular APR will apply to your balance.
  • Our lowest-rate card: Pay less in interest if you carry a balance from month to month
  • Travel benefits include Auto Rental Coverage, Travel Accident Insurance, Baggage Delay and Reimbursement, and Trip Cancellation and Interruption Coverage
  • No annual fee or foreign transaction fees
  • This offer is only open to members of military-affiliated groups and their families
Intro (Purchases) N/A
Intro (Transfers) 0% for 15 Months
Regular APR 9.15% - 26.15% (Variable)
Annual Fee $0
Credit Needed Good to Excellent
14

Discover it® Cash Back

CardRates Expert Rating ★★★★★ 4.9/5.0
  • INTRO OFFER: Unlimited Cashback Match for all new cardmembers. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. You could turn $150 cash back into $300.
  • Earn 5% cash back on everyday purchases at different places you shop each quarter like grocery stores, restaurants, gas stations, and more, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases.
  • Redeem cash back for any amount. No annual fee.
  • Get a 0% intro APR for 15 months on purchases and balance transfers. Then 17.49% to 26.49% Standard Variable Purchase APR applies, based on credit worthiness.
  • Terms and conditions apply.
Intro (Purchases) 0% Intro APR for 15 months
Intro (Transfers) 0% Intro APR for 15 months
Regular APR 17.49% - 26.49% Variable APR
Annual Fee $0
Credit Needed Excellent/Good
15

Discover it® Chrome

CardRates Expert Rating ★★★★★ 4.8/5.0
  • INTRO OFFER: Unlimited Cashback Match for all new cardmembers. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards.
  • Earn 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter, automatically. You'll still earn unlimited 1% cash back on all other purchases.
  • Get a 0% intro APR for 18 months on balance transfers. Then 17.49% to 26.49% Standard Variable APR applies, based on credit worthiness.
  • Redeem cash back for any amount
  • No annual fee.
  • Terms and conditions apply.
Intro (Purchases) 0% Intro APR for 6 months
Intro (Transfers) 0% Intro APR for 18 months
Regular APR 17.49% - 26.49% Variable APR
Annual Fee $0
Credit Needed Excellent/Good

+See More Cards with Low Ongoing APRs

Most credit cards will have a specific range of potential APRs, i.e. 14.99% to 19.99%. Those who are approved for a given card will be offered an APR from within the set range, with the specific APR dependent upon the cardholder’s credit profile.

Although improving your credit is the best way to ensure a low APR, you can reduce the chances of receiving a high APR by choosing a card with a low APR range. Keep in mind that most credit cards have variable APRs, so your APR can change with the US Prime Rate over time.

Spend Wisely in Your Retirement

For those of us still chugging along through our working lives, retirement is the proverbial light at the end of the 9-to-5 tunnel, the ultimate vacation. And for some retirees, that can certainly be true — but many others will be on tighter budgets than we often imagine.

If you can use them responsibly, credit cards can be a useful way of making your retirement a little less expensive, helping pay for travel or simply saving you a little on every purchase.

Of course, always remember that credit card rewards can’t make up for poor credit card management. Interest fees allowed to grow can quickly outpace even the best rewards, and late payments or delinquencies can ruin the credit you’ve spent a lifetime building.

While tried-and-true methods of keeping track of your finances, like tracking receipts and balancing your check book, can still have their place, don’t forget to embrace some new tools to stay on top of everything. For example, setting up automatic bill payments can make sure you never forget a due date, giving you one less thing to worry about as you set off on new adventures.

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CardRates.com is a free online resource that offers valuable content and comparison services to users. To keep this resource 100% free, we receive compensation for referrals for many of the offers listed on the site. Along with key review factors, this compensation may impact how and where products appear across CardRates.com (including, for example, the order in which they appear). CardRates.com does not include the entire universe of available offers. Editorial opinions expressed on the site are strictly our own and are not provided, endorsed, or approved by advertisers.