AAA Member Rewards Credit Card

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Good
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AAA Member Rewards Credit Card’s Rewards

Bonus
None
Base Earn
1 points / $1
Max Earn
3 points / $1
Earn / Redeem Limit
No
  • Earn 2 points per $1 for gas, grocery and drug store purchases and 3 points per $1 on all qualifying AAA and travel purchases.
  • Exclusive Rewards including AAA vouchers good for travel, even car repairs or choose merchandise, gift cards or 1% cash back.
  • Earn 1 point per $1 on purchases everywhere.

AAA Member Rewards Credit Card’s Key APRs & Fees

Intro Rate on Purchases
Not Offered
Intro Rate on Transfers
2.99% for 12 months
Regular Rate
12.99% - 22.99% (V)
  • ANNUAL FEE None
  • BALANCE TRANSFER
    FEE
    3%

AAA Member Rewards Credit Card’s Additional Info

  • MAX LATE FEE   $35
  • MAX OVERLIMIT
    FEE  
    N/A
  • MAX PENALTY APR   29.99% (V)
  • GRACE PERIOD   25 days
  • ONLINE RESPONSE   Yes
  • CASH ADVANCE
    RATE
    24.99% (V)
  • CASH ADVANCE
    FEE
    5% (min $10)
  • FOREIGN
    TRANSACTION FEE  
    2%
  • SMART CHIP   Yes, chip-and-signature
  • Smart chip technology lets you make purchases with ease and confidence outside of the U.S. You'll enjoy greater acceptance in over 130 countries around the world including Canada, Mexico and the United Kingdom.
  • Paperless Statement Option: Opt for paperless credit card statements and increase account security while reducing paper consumption.
  • Overdraft Protection.
  • SafePass®.
Apply Now
at Bank of America’s
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AAA Member Rewards Credit Card Reviews

 
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3.9
Overall Rating: 3.9 / 5
Total Ratings: 214
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Apr 23, 2015
Photo of Max J.
5
By:
Apr 23, 2015
This is a pretty sweet card if you're an AAA member. It has a lot going on for it. Top of which is 2 points per $1 for gas, grocery and drug store purchases and 3 points per $1 on all qualifying AAA and travel purchases which will really rack up the points as you use this card. Plus you can get points for other purchases to. Add this to rewards relating to car services or repair and you can save a pretty good amount of money over time.

The terms are good as well and the AAA Member Rewards Credit Card has a good interest rate. It's really the rewards more
Apr 6, 2015
Photo of Courtney G.
5
By:
Apr 6, 2015
This is a great card to have. I love the point system and how you can earn 2 points when you use it for gas, groceries, or prescriptions. Your points will add up fast when you go on a trip (if it's a qualified AAA purchase.) The card I use now is Discover, and I only receive 1% cash back on my purchases, no matter what I'm buying. The AAA Member Rewards card looks like a great option for me.
Mar 20, 2015
Photo of Shayna A.
4
By:
Mar 20, 2015
It goes without saying that the AAA Member Rewards Credit Card is the best deal for AAA members. You earn 3 points per $1 on AAA and travel purchases which is a very nice perk if you travel a lot. You earn 1 point per dollar spent elsewhere which isn't that exciting.

The APR ranges from 12.99% - 22.99% which goes from decent/good to never carry a balance land. There is no annual fee which is a big plus. A lot of rewards cards have crazy annual fees which can sneak up on you.

For comparison sake, I also looked at the Citi ThankYou Preferred Card. That card also has no annual more
Mar 5, 2015
Photo of George G.
4
By:
Mar 5, 2015
I like that this card has a consistent reward system. My BankAmericard cash back system offers different points for different purchases, and will change depending on how many you use. The AAA card does not have that issue. Plus along with my AAA membership, this card makes offers towards travel vouchers and I spent a lot of time traveling, so this maybe very useful if you travel a lot. But, with high variable rates, you have to be sure not to keep a balance, as much as possible with this card.
Feb 17, 2015
Photo of Quincy L.
3
By:
Feb 17, 2015
The only advantage of the AAA Member Rewards Credit Card is the reward program. I think that it’s great that you can earn 2 points per $1 for gas & grocery. These are the two primary reasons I use my credit card. The 3 points per $1 on all qualifying AAA/ travel purchases are only beneficial if you travel and use AAA. I think the rewards offered are better than my current card (Chase Freedom Visa) which offers 5% cash back on categories that change every 3 months. I do not like how the categories change because they you will lose rewards for a few months. This card offers better consistent rewards.
Jan 5, 2015
Photo of Pro S.
4
By:
Jan 5, 2015
I like the rewards program for the AAA Member Rewards Credit Card, and the overall offering is favorable for a person with good credit habits. If you are a member of AAA or use their services, you can make good use of the AAA vouchers available for points, and you can also get triple rewards on AAA related automotive and travel expenses.

Assuming that I had the credit rating to qualify, I'd get this card, especially since you get rewards on all purchases.
Dec 22, 2014
Photo of Tom M.
4
By:
Dec 22, 2014
I've had this card for a really long time and maybe only used it once. It came with our membership with AAA. AAA itself has some really awesome benefits (hotel discounts, rental car discounts, flight discounts, etc.) and has gotten me out of a bind many, many times (towing services, roadside assistance). Fortunately, we haven't had to charge to this card much but it's been there if we needed it. Additionally, they have some awesome customer service so don’t be afraid to call. I’m definitely a fan of AAA and if you had to get a card, this wouldn't be a bad one.
Dec 1, 2014
Photo of Jen F.
2
By:
Dec 1, 2014
The AAA member Rewards Credit Card is an alright card. It is nothing special really. It has rewards that are AAA related such as car repairs and vouchers good for travel, but it also rewards you with a point system that gives you 2 points per $1 on gas, groceries and drug store purchases. This is a pretty decent amount of rewards for one card and it is especially beneficial to me because I travel by car a lot. Unfortunately, this card does have many drawbacks. For example, the interest rate on this card is a lot higher than a lot of similar cards I looked up. I have also more
Nov 22, 2014
Photo of Bonnie B.
1
By:
Nov 22, 2014
This card is terrible. I called over 1 year ago to ask that my mom not be charged for an AAA membership since she wasn't driving any longer. They said no problem. Of course when it came time to renew they did it automatically. When I called to have it rescinded they said they couldn't do that unless they got the card back. That is BS since I am a member of AAA and they bill me annually. I can choose to renew or not and no one asks for the card back. We sent the card back over 2 months ago and they still haven't credited her account. Well more
Nov 20, 2014
Photo of Topanga E.
4
By:
Nov 20, 2014
This card is really nice. I like it a lot and know someone else who uses it too. Few credit cards are so flexible with their reward points. Its reward system that allows cash the flexibility of cash back is similar to my Chase Freedom card, I can use my rewards for cash or gift cards. The AAA Members Reward Credit Card looks promising, especially to those traveling outside of the country with its acceptance in 130 countries! Not many cards boast of that attribute. All in all it is a decent card.
Oct 29, 2014
Photo of Linda T.
4
By:
Oct 29, 2014
The AAA Member Rewards Credit Card has the smart chip technology that puts your mind at ease when using it at a store or online, with all the credit card fraud happening this is a great feature. It is always nice to earn rewards while using it also. All in all it is a decent card.
Sep 9, 2014
Photo of Alia B.
5
By:
Sep 9, 2014
The AAA Member Rewards Credit Card seems like a good credit card. I normally dislike point based rewards, because I have a Capital One credit card and reward points are definitely not worth it. But getting extra points on groceries and gas is an appealing offer. This card also seems unique in that you can get exclusive AAA rewards such as travel and car repairs. Having money or credit that you can use for car repairs is always a good thing, because you never know when you might need it! If it was a card I used often, and was able to redeem the AAA vouchers, it would feel like more
Aug 25, 2014
Photo of Dee B.
5
By:
Aug 25, 2014
I love this credit card. The service is great, the APR is low, and the benefits are wonderful. I first opened the card to transfer a balance from another card and the low APR helped me pay off my card faster. I love logging on to see how many points I have earned!
Aug 25, 2014
Photo of Christine B.
5
By:
Aug 25, 2014
The AAA Member Rewards card looks to be a good and useful card to have. The ability to use the reward points for everyday expenses like gas, car repairs and even cash back is a major benefit. Few credit cards are so flexible with their reward points. Its reward system that allows cash the flexibility of cash back is similar to my Chase Freedom card, I ca use my rewards for cash or gift cards. The fees and APR seem to be relatively standard to most credit cards, making it an easy choice if comparing cards. There is no annual fee, which is a major plus. Overall, this is a more
Aug 7, 2014
Photo of Blake W.
5
By:
Aug 7, 2014
I like that this AAA Member Rewards Credit card's gives rewards on the things most people consider simple, yet very necessary like gas and groceries. Moreover, this card offers better benefits compared to others I've used in the past. One example is the American Express credit card that I used in the past which really had a high maximum amount i had to spend in stores in order to be eligible for a reward. This card seems offers good benefits and I will be getting one in the future.
Jul 16, 2014
Photo of Kate M.
3
By:
Jul 16, 2014
I like that the card gives you 2 points used per $1 on gas. I don't like the color or image on the credit card itself, it's really kind of ugly.
Jun 24, 2014
Photo of John T.
1
By:
Jun 24, 2014
I think the intro rate on transfers is high as well as the regular rate. My capitalone card is 0% for the first 6 months
May 29, 2014
Photo of Early N.
4
By:
May 29, 2014
The point system on this card is very good. It is very easy to accumulate points fast because they are double when you use the card for gas and groceries. There is no bonus, but the rates are great! I recommend this card! It is just as good as my Capital One card!
May 19, 2014
Photo of Theo K.
4
By:
May 19, 2014
This card seems pretty great. Compared to most cards it has a low interest rate at 13 percent but it doesn't have high cash back interest rate like some other cards such as bank of america card.
Apr 28, 2014
Photo of Koushi S.
4
By:
Apr 28, 2014
I do like that there's no annual fee, and their customer service is friendly and efficient- not to mention easy to reach. I've had to use this card internationally when another card I had planned on using wouldn't work abroad before and I know from personal experience that it's great to travel with.
Apr 8, 2014
Photo of Corey B.
4
By:
Apr 8, 2014
The AAA Members Reward Credit Card looks promising, especially to those traveling outside of the country with its acceptance in 130 countries! Not many cards boast of that attribute. I like that there is overdraft protection and while there is a foreign transaction fee, there is no over-limit fee. This is awesome when I can't access the Internet to check my balances, but still need to make a purchase! And since there's no annual fee, this looks like a good card.
Mar 27, 2014
Photo of Nick C.
4
By:
Mar 27, 2014
This card is great! I usually use it for my gas purchases throughout the week and any other little things that catch my eye. The low interest rate is helpful if you don't have that good credit and are looking to build. I also like the low cap penalty for being late and the option to get a loan if needed. It is nice to have that cushion in case something goes wrong.
Mar 13, 2014
Photo of Sam W.
5
By:
Mar 13, 2014
As an AAA member, you can't go wrong with this card. The AAA Member Rewards credit card not only offers you a low introductory interest rate, but also a solid standard rate as well. The points you earn on qualifying purchases at gas stations, grocery stores and drug stores make this an even better deal. In addition to all of these outstanding benefits, you also have no annual fee. Excellent terms overall.
Mar 10, 2014
Photo of Crystal R.
4
By:
Mar 10, 2014
I like that you can earn 1 point per $1 on purchases everywhere, that's great. I also like that you can earn 2 points per $1 for gas, grocery and drug store purchases and 3 points per $1 on all qualifying AAA and travel purchases. It's like the rewards card of Bank of America . It's great that there is no overdraft limit. The grace period is very generous. The only downfall I see is that regular is very high.
Mar 7, 2014
Photo of Dawn M.
3
By:
Mar 7, 2014
The AAA Member Rewards Card seems to be a really good offer. The card offers very attractive interest rates. This one thing makes the card a really good deal. In addition to the great interest rates offered, there is no annual fee. This card offers more with overdraft protection. The AAA Member Rewards Card offers really nice rewards on all purchases. You can use these rewards for cash back, travel and hotel discounts, etc. It is easy to see that this card offer is a good deal for most people who seek a reward for purchases and a reasonable interest rate. The offer is attractive to most anyone.
Feb 25, 2014
Photo of Samantha W.
3
By:
Feb 25, 2014
The AAA Member Rewards Card is nice because it lets you earn points as you spend. You can earn up to 3 points per $1 on select items. I didn’t like that the interest rate could get as high as 23%. That seems way higher than my competition cards. My Citibank card has only 12% interest. Overall, I feel like I could earn a lot by using this card, like possible travel vouchers. That is reason enough to try this card out!
Feb 21, 2014
Photo of Tory H.
4
By:
Feb 21, 2014
I like the fact that there is no annual fee and an intro rate on transfers. I think that if someone wisely used the card, it could help them regain standing with their financial situation. The only downside I see is that the interest rates have the potential to get very high very quickly.
Feb 10, 2014
Photo of Lakeisha M.
4
By:
Feb 10, 2014
The AAA Member Rewards Credit Card does have some perks and some downfalls as well. The perks to it is that you can earn 2 point per $1 for gas, grocery, and drug store purchases and 3 points per $ on all qualifying AAA and travel purchases. Another perk is that you can earn 1 point per $1 on purchases everywhere. Also there is no annual fee which makes it great too. The downfalls to the card are that after the 12 months your rate would be 12.99% - 22.99% that is extremely high.
Dec 11, 2013
Photo of Zeb D.
4
By:
Dec 11, 2013
The AAA Member Rewards Credit Card seems like a fairly typical credit card. Compared to other cards I've had it is definitely lacking the incentive of an initial introductory rate. The annual percentage rate is comparable to most cards I've used over the years and seems fair. The extra bonus points on travel related purchases is a good deal if you find yourself on the road frequently. The card doesn't have an annual fee which is a very nice perk for a credit card. Overall the AAA Members Rewards Credit Card, looks like a great card, especially for travelers.
Dec 8, 2013
Photo of Greg K.
4
By:
Dec 8, 2013
Rewards for gas and travel purchases make the AAA Member Rewards Credit Card a favorite of travelers everywhere. With rewards also including gift cards and even vouchers for car repairs, you cannot go wrong! Though the points for purchase and interest rates are just average, Smart Chip technology ensures your purchases outside the border are 100% secure. The card does not require excellent credit either, making it a popular choice among those with a less-than-perfect history and a favorite among loyal AAA members.
Dec 5, 2013
Photo of Susan C.
3
By:
Dec 5, 2013
The AAA Member Rewards Credit Card is a great traveler's card to keep on hand during vacations or semi-regular use at home. The card requires a good to excellent credit rating and has APR's ranging from 12.99% to 22.99%, which is slightly lower than average.

The card does not feature an introductory APR for purchases, but does offer an introductory balance transfer rate of 2.99% for 12 months. This option makes the AAA Member Rewards Card a decent option for consolidating other credit debt onto one card.

The card also features a meager rewards program which earns one to three points per dollar spent. Don't expect to earn much back on the more
Nov 25, 2013
Photo of Rob D.
5
By:
Nov 25, 2013
AAA Member Rewards Credit Card is a good credit card to get but i am quite partial to AAA they have helped me out of more than one bind in my life. There is no annual fee for this one which is great because there is a lot of cards that do have that annual fee so it's always good to get one without it so you don't have to worry about that. The places to shop at to get the rewards points is also much more useful than a lot of other cards because it's for purchases at places everyone shops at on a regular basis and not some more
Nov 21, 2013
Photo of Krystal M.
4
By:
Nov 21, 2013
I quite like the AAA Member Rewards Credit Card. There is no annual fee! Their interest rate, at 12.99% to 22.99%, is definitely a big draw! Much lower then other comparable cards! I believe their reward points are absolutely superb. You can also earn AAA vouchers for traveling, car repairs, merchandise, gift cards or 1% cash back as part of their rewards. Their cash advance rate is rather high, but if you stay clear of that, I really think this is a great card. If you're an everyday traveler, like myself, it's just a must have for saving money. They also have an option for paperless billing and I feel more
Nov 16, 2013
Photo of Nicole A.
4
By:
Nov 16, 2013
If travelling by car is your standard means of transportation, the AAA Member Rewards Credit Card is an attractive credit card. This card has one of the lowest APR's at 13%. And with no signup fee or annual fee, it is a low maintenance credit card. As a member of AAA, you receive roadside assistance and other perks, and using this credit card gets you rewards for all of them. With a 3 point per dollar reward, you can quickly start raking up points in contrast to your regular visa card. However, if you really want to take advantage of rewards and travelling, this card does not compare to the more
Nov 8, 2013
Photo of Jacoby G.
3
By:
Nov 8, 2013
The AAA Member Rewards Credit Card has one of the best rewards hierarchies of a credit card, offering up to 3 points per dollar. This reward system doesn't exactly compare to cards from issuers such as Chase Bank or One who offer up to 6 points per dollar spent, but it's still decent. The interest rate on the AAA Member Rewards Credit Card isn't one of the best in the industry, but it will suffice for anyone looking for a general use credit card. If you're the type of individual who takes out frequent cash advances on their card, the AAA Member Rewards Card might not be for you as more
Nov 5, 2013
Photo of Richard T.
3
By:
Nov 5, 2013
With a slightly better than average rewards point system and surprisingly reasonable interest rates if your credit is good, the AAA Member Rewards credit card is a solid card to use should you travel a lot. With 3 points per dollar on travel expenses and AAA purchases, and 2 points per dollar on gas, if you're frequently on the road this card could be quite handy. Compared to a lot of rewards cards which offer a maximum of 2 points per dollar on specific purchases, the AAA Member Rewards card will help trim a bit more change off your travel costs.
Oct 24, 2013
Photo of Jason L.
5
By:
Oct 24, 2013
The AAA Member Rewards credit card is pretty great. Compared to most cards it has a low interest rate at 13 percent but it does have the usual high cash back interest rate. The point system is also a little better than most cards with the added points for gas purchase. My Bank of America credit card has a standard one point across all purchase but the AAA card gives you a little extra on gas. The absolute best part of this card is the vouchers which are used every where. If you travel a lot this is a must have card. Renting a car, a room or even eating more
Oct 21, 2013
Photo of Bela K.
4
By:
Oct 21, 2013
I love the AAA card because it is unique and really stands out from the other cards. There are so many rewards programs and benefits for using this card, that it's hard to see why anyone wouldn't! for instance, for every dollar you spend on gas or food or even at a drug store, you earn 2 points on their rewards system. I think that is awesome. You can also earn 1 point on your purchases elsewhere. So basically, wherever you use this card, you will be earning points that count on their rewards system! The downside is that their rates are rather high. The cash advance rate is somewhere more
Oct 12, 2013
Photo of Dan G.
4
By:
Oct 12, 2013
The AAA credit card is unlike a lot of cards our there right now, its not a store specific card, or a generic credit card, it is one for the traveling type! If you have long commutes or love to get out of your shell and go places this is a great card. The rewards you can get are mainly for traveling and things that go with traveling like gas, and food, and of course AAA travel purchases. Another nice thing is that you also get some rewards points from getting your car fixed, talk about awesome! This card has some foreign fees if you travel abroad but it still more
Oct 3, 2013
Photo of Clay H.
4
By:
Oct 3, 2013
I think this card has some decent benefits but is also lackluster in other areas. The rewards system seems rather robust, offering between 1 and 3 points per dollar spent (depending on the items purchased). It also offers a 25-day grace period on purchases, which seems to be what other cards offer.

If I had to choose something I don't like about the card, it's the percentage rate on balance transfers. I've seen other cards offer lower introductory rates on balance transfers, some going as low as 0. Everything else about the card seems to be in line with what other cards offer, which to me, makes this card a more
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Apr 10, 2015
Photo of Karen S.
By:
Apr 10, 2015
The 3% on travel that is offered. What are the qualifiers? Does it have to be travel booked through AAA of any travel or tour company?
Apr 15, 2015
Photo of Card H.
Apr 15, 2015
You earn 3 points per $1 for all purchases made with the card through AAA and at eligible travel merchants. You can find the eligible travel merchants here: https://www.bankofamerica.com/credit-cards/credit-cards-terms-and-conditions.go?cid=2124554&po=J4&request_locale=en_US
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Last updated on: Apr 23rd, 2015 at 11:26 EDT