Can you get a senior discount at 55? The surprising truth about age-based savings

Over one-third of businesses that offer age-based savings begin them for customers in their 50s. So, can you get a senior discount at 55? The good news is that for many businesses, you can indeed start saving well before the traditional retirement age.

Quick Summary

Yes, many businesses offer senior discounts to customers aged 55, especially in retail, dining, and travel. These discounts are not universal and vary widely by company and location, so savvy shoppers should always inquire about eligibility before making a purchase. Many of these discounts are not widely advertised, so it's always worth asking.

Key Points

• Age 55 Eligibility: Many retailers and restaurants offer senior discounts starting at age 55.

• Ask Directly: Many businesses have unadvertised senior discounts, so you should always ask about them.

• AARP Advantage: Joining AARP at 50 provides early access to a wide range of discounts before standard senior age qualifications.

• Discount Variations: Eligibility for discounts varies by company, location, and industry, ranging from 50 to 65+.

• Plan Ahead: Maximize savings by checking for specific 'Senior Days' at stores and planning your errands accordingly.

• Proof of Age: Always carry identification as proof of age is often required to qualify for discounts.

• Diverse Savings: Discounts are available in numerous categories, including retail, grocery, travel, and dining.

Senior Discounts Begin Sooner Than You Think

While the government recognizes 65 for Medicare eligibility, the private sector's definition of a "senior" is often much younger. Many discounts become available at 55, and some even begin at 50, particularly through membership organizations like AARP. This means that at 55, you can and should be proactively looking for savings across various categories.

Why Businesses Offer Discounts for the 55+ Age Group

Businesses offer discounts to people aged 55 and older for several strategic reasons:

• Cultivating Customer Loyalty: By rewarding older customers with discounts, companies foster goodwill and encourage repeat business.
• Attracting Off-Peak Traffic: Some businesses, particularly in dining and entertainment, use senior discounts to attract customers during slower times of the day or week.
• Increasing Sales Volume: The purchasing power of the 55+ demographic is significant. Offering discounts can stimulate sales and attract a lucrative customer base.
• Building Brand Reputation: Companies that offer senior discounts often build a reputation as community-minded and supportive, which can enhance their public image.

Where to Find 55+ Senior Discounts

At age 55, you can start looking for discounts in a wide variety of sectors. These include retail, groceries, dining, travel, and more. Here is a more detailed breakdown of where to find these savings.

Retail and Department Stores

• Michael's: The craft store chain offers a daily 10% discount for customers 55+, including on sale items, with a Michaels Rewards account.
• Ross Dress for Less: On Tuesdays, customers 55+ can receive 10% off their purchases.
• Walgreens: On the first Tuesday of each month, myWalgreens rewards members 55+ can get 20% off eligible regular-priced items.
• Belk: This department store may offer 15% off on the first Tuesday of every month for those 55+.

Grocery Stores

While many grocery store discounts are regional, some chains are known to offer specials for the 55+ crowd:

• Fred Meyer: Offers 10% off select items on the first Tuesday of the month for those 55+.
• Fry's Food Stores: Similar to Fred Meyer, Fry's offers 10% off on the first Wednesday of the month for customers 55+.
• Bashas': This Arizona chain has offered 10% off for customers 55 and older on Wednesdays.

Restaurants and Dining

Many restaurants offer discounted menus or a percentage off the bill for those 55 and older. Examples include:

• IHOP: Provides a special 55+ menu with smaller portions and reduced prices.
• Chili's: Many locations offer a 10% discount for customers 55 and older.
• Arby's: Some locations offer a 10% discount for those 55+.
• Denny's: While they have a 55+ menu, AARP members (eligible at 50) can get 15% off.

Travel and Lodging

• Best Western: Guests 55+ can receive discounted room rates at participating locations.
• Hertz: The “Fifty Plus Program” offers up to 20% off base rental rates for customers 50 and over.
• Royal Caribbean & Carnival Cruises: Offer reduced rates on select sailings for passengers 55 and older.

The Importance of Membership Organizations

Joining an organization like AARP can be a game-changer for someone aged 55. While you can join at 18, eligibility for most discounts starts at 50. An AARP membership opens doors to a vast network of savings that you might not find otherwise, including discounts on travel, insurance, dining, and more.

Comparison of Common Senior Discount Ages

Navigating the varying age requirements can be confusing. Here is a general comparison of common discount ages you'll encounter.

Industry	Typical Starting Age	Examples of Discounts Found at this Age
Restaurants	55+	IHOP 55+ Menu, Chili's (10% off at some locations)
Retail	55+	Michaels (10% daily), Ross (10% on Tuesdays)
Travel	50-55+	Hertz (50+), Best Western (55+), Carnival/Royal Caribbean (55+)
Groceries	55+	Fred Meyer (1st Tuesday monthly), Fry's (1st Wednesday monthly)
Entertainment	60+	AMC Theatres, Regal Cinemas

A Simple Strategy to Maximize Your Savings at 55

1. Always Ask: Many businesses don't advertise their senior discounts. A simple, polite inquiry at the checkout or when making a reservation can uncover unexpected savings.
2. Join AARP: Membership is available at 50 and provides access to hundreds of discounts across many categories for a nominal annual fee.
3. Use Loyalty Programs: Beyond age-based discounts, sign up for rewards programs at stores you frequent, as these often offer additional savings. Walgreens requires a myWalgreens account for their senior discount day.
4. Check for Discount Days: Many retailers and grocery stores offer discounts on specific days of the week or month. Plan your errands around these days to maximize savings.
5. Look Beyond Senior-Specific Deals: Don't forget that other discounts, like those for AAA members or veterans, can often be stacked or used in lieu of a senior discount. AARP also has deals on auto and home insurance via The Hartford.

What if a Discount Isn't Advertised?

Even if you don't see a sign, many companies have unadvertised age-based discounts. Corporate policies can vary by franchise, so the key is to ask a manager or cashier directly if there is a senior rate or promotion available. Having your ID ready is always a good idea to confirm your age. The potential savings are significant and well worth the brief moment of asking. For more information, the AARP website is an excellent resource for a comprehensive list of discounts and benefits for those 50 and over: https://www.aarp.org/membership/benefits/all-offers-a-z/.

Conclusion: Your 55th Birthday is a Milestone for Savings

Turning 55 isn't just another birthday—it's a financial milestone that can open up a world of savings. With many businesses offering discounts at this age, and powerful membership options like AARP available at 50, you are in a prime position to start cutting costs on everything from dining out to travel and retail purchases. By being proactive and simply asking, you can ensure you're not leaving any money on the table. Start exploring your options today and enjoy the benefits of smart, age-based saving.

Frequently Asked Questions

What is the most common age to receive a senior discount?

While discount ages vary, 55 is one of the most common starting points for senior discounts in retail, dining, and other sectors. Some start even earlier at age 50, especially with an AARP membership.

Do I need to be retired to get a senior discount at 55?

No, eligibility for senior discounts is based on age, not employment status. Your employment status has no bearing on whether you can receive an age-based discount.

How can I find out if a specific store offers a discount for people 55 and older?

The most reliable method is to ask a cashier or manager directly. Many discounts are not advertised on signs or websites, so a polite inquiry is the best way to find out.

Is an AARP membership required for all senior discounts at 55?

No, an AARP membership is not required for all discounts. Many businesses offer their own age-based discounts independently. However, an AARP membership, available at age 50, provides access to an extensive network of member-exclusive savings.

Do senior discounts apply to sale items?

This depends on the specific store's policy. Some retailers, like Michaels, allow their senior discount to be combined with sale prices. Others apply the discount only to regular-priced items. It's best to confirm the policy with an employee.

Can I use a senior discount online?

This varies by company. While some online retailers offer specific discount codes, many age-based discounts are only available for in-store purchases and require an ID. Always check the retailer's website or terms and conditions for details.

What kind of proof do I need to get a discount at 55?

Most businesses will accept a state-issued photo ID or driver's license to verify your age. If the discount requires an AARP membership, you would need to show your AARP card.