AARP members can save money at hundreds of retailers, restaurants, hotels, and service providers

AARP membership comes with access to discounts at major chains and local businesses across the country. These discounts cover groceries, dining, travel, insurance, prescriptions, and home services. The discounts vary by location and change periodically, so what's available in your area may differ from what's available elsewhere.

You don't automatically receive every discount — most require you to show your AARP membership card at the point of sale, mention the discount code when booking, or enter a code online. Some discounts stack with other offers; others don't. The best approach is to check the AARP website or call the business directly before you make a purchase, because discount terms shift and not every location honors every offer.

Key Takeaways

  • AARP discounts are available at grocery stores, pharmacies, restaurants, hotels, car rental companies, and home service providers, though which ones explore depends on your location.
  • You must show your AARP membership card or provide a discount code — discounts are not automatic and vary by individual business location.
  • The AARP website's discount finder tool lets you search by zip code to see what's available near you.
  • Some discounts combine with manufacturer coupons or sales; others exclude them, so ask before checkout.
  • Discounts on insurance products, travel packages, and financial services often require you to contact AARP's partner directly rather than a retail location.

How to find discounts in your area

Start at aarp.org/discounts. Enter your zip code into the discount finder tool, and it will show you participating businesses near you — grocery stores, pharmacies, restaurants, and service providers. The tool displays the discount amount or percentage and tells you whether you need a coupon code or just your membership card.

You can also call AARP at 1-888-687-2277 and ask what discounts are currently active in your area. This is useful if you want to know about a specific business or if you're planning a trip and want to know what's available at your destination.

Not every location of a national chain honors the same discounts. A Denny's in one state may offer a discount that another Denny's doesn't. Always confirm with the specific location before you go, either by calling ahead or checking the AARP website for that particular address.

Grocery stores and pharmacies

Major grocery chains including Safeway, Kroger, and regional supermarkets offer AARP member discounts on select items or senior discount days. These are typically percentage discounts on your total purchase or discounts on specific product categories. Pharmacy discounts at chains like CVS and Walgreens may include reduced prices on over-the-counter medications and health products.

Prescription drug discounts work differently — AARP offers a prescription discount program through a partner pharmacy network that can reduce costs on medications whether or not your insurance covers them. You don't need to be enrolled in Medicare to use this program. Visit aarp.org/pharmacy or call 1-888-687-2277 to find participating pharmacies near you and compare prices on specific medications.

Restaurants and food delivery

Participating restaurant chains offer discounts ranging from 10 percent off your meal to free appetizers or beverages. Chains like Denny's, Perkins, Cracker Barrel, and Outback Steakhouse have offered AARP discounts in the past, though the specific offer changes. Some locations require you to show your card; others ask you to mention the discount when ordering.

Food delivery services and meal kit companies sometimes offer discounts to AARP members as well. Check the AARP website for current partners, because these relationships change frequently and vary by region.

Travel, hotels, and car rentals

AARP negotiates rates with major hotel chains, car rental companies, and airlines. Hotels like Choice Hotels, Hilton, and Marriott often offer AARP rates that may be lower than standard online rates, though you must book through AARP's travel partner or enter a specific code. Car rental companies including Hertz, Avis, and Budget offer member discounts, typically 10 to 25 percent off base rates.

Cruise lines and tour operators also partner with AARP to offer group rates and onboard credits. These are usually booked through AARP's travel website or by calling AARP Travel at 1-866-942-7748. Discounts on airfare vary by airline and route, so compare the AARP rate against other booking sites before purchasing.

Insurance and financial services

AARP offers discounted rates on auto and homeowners insurance through partner companies. These are not discounts you claim at checkout — instead, you contact the insurance company directly, mention you're an AARP member, and receive a quoted rate. Common partners include The Hartford, Aetna, and State Farm, though the available companies vary by state.

Life insurance, long-term care insurance, and Medicare Supplement plans are also available to AARP members at negotiated rates. These require you to contact the provider or AARP directly to receive a quote. Financial products like credit cards, investment accounts, and banking services may offer AARP member rates as well.

Home services and utilities

AARP has partnerships with home service providers including plumbers, electricians, and HVAC contractors in many areas. These typically offer discounts on service calls or repairs. You usually need to mention your AARP membership when calling for an appointment or provide your membership number at the time of service.

Some utility companies and internet service providers offer discounts to AARP members on monthly bills. Check with your current providers to see if they participate, or use the AARP discount finder to see what's available in your area.

Frequently Asked Questions

Do I have to pay extra to access AARP discounts?

No. Discounts are included with your AARP membership. You pay the annual membership fee once, and then you can use any available discounts. Some discounts require you to provide a code or show your card, but there's no additional charge to use them.

What if a store says they don't honor AARP discounts?

Not every location of a chain participates, and some businesses have ended their AARP partnerships. Check the AARP website to confirm the discount is listed for that specific address. If it is listed and the store refuses, you can contact AARP to report it. If it's not listed on the website, the discount may no longer be available there.

Can I combine AARP discounts with coupons or sales?

Sometimes, but not always. Some retailers allow you to stack an AARP discount with a manufacturer coupon or sale price; others require you to choose one or the other. Ask the cashier or customer service before checkout to avoid surprises.

How do I use AARP discounts when I shop online?

Online discounts vary by retailer. Some require you to enter a code at checkout; others require you to shop through a specific AARP link. Check the AARP website for the retailer you're using to find the correct method and current code.

Are AARP discounts the same everywhere in the country?

No. Discounts vary by state, region, and individual business location. Use the AARP discount finder with your zip code to see what's available where you live. If you're traveling, search the destination zip code to see what discounts you can use there.