AAA Credit Card

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Info about the AAA Credit Card has been collected by CardHub to help consumers better compare credit cards. The card issuer did not provide the details.
Existing Cardholders
Change my rating to: Excellent

AAA Credit Card’s Rewards

Base Earn
1 point / $1
Max Earn
3 points / $1
  • Get a $100 statement credit after you make at least $250 in purchases within 90 days of account opening
  • Earn 3 points per dollar on qualifying AAA and travel purchases
  • Exclusive Rewards including AAA vouchers good for travel, even car repairs or choose gift cards or 1% cash back
  • Earn 2 points per dollar on gas, grocery and drug store purchases
  • Earn 1 point per dollar on all other purchases made with the card

AAA Credit Card’s Key APRs & Fees

Purchase Intro APR
Not Offered
Transfer Intro APR
0% for 12 months
Regular APR
13.24% - 23.24% (V)
    3% (min $10)

AAA Credit Card’s Additional Info

  • MAX LATE FEE   $37
  • MAX PENALTY APR   29.99% (V)
  • GRACE PERIOD   25 days
    16.24% - 25.24% (V)
    5% (min $10)
  • SMART CHIP   Yes, chip-and-signature
  • Overdraft Protection.
  • ShopSafe® - add an extra layer of protection when you shop online.
  • $0 Liability Guarantee.
  • Mobile banking, text or email alerts to keep you on top of your finances, quick access to your account information with text banking.

Customer Questions and Answers

Don't see what you're looking for? Submit your question about AAA Credit Card to our community.

What credit score is needed to qualify?

Photo of Card H.
Dec 8, 2015
Applicants generally need good credit, which means a score of at least 660, in order to qualify for the AAA Credit Card. However, having such a credit score doesn’t necessarily mean that you will get approved. Credit scores are an imperfect indicator for approval, as issuers typically modify publicly-available scoring models with their own proprietary screening criteria. They also take into account numerous factors that aren’t necessarily incorporated into your score, such as your income and outstanding debt.

With that being said, you can get a ballpark sense of your credit standing (and thus your likelihood of approval), by using CardHub’s free credit check tool: . You can also more
25 Votes 30 5

How do I find out how much my existing points are worth in cash?

Photo of Card H.
Mar 5, 2016
The current redemption value for cash rewards, check or deposits into a checking or savings account is 1% of the amount of the points redeemed (100 points=1$). The redemption value for other reward options varies based on the type of reward and amount of points redeemed. You can find out more about Bank of America rewards in our article at: . Best of luck!
22 Votes 24 2

What is the status of my application?

Photo of Card H.
Mar 5, 2016
Once your application has been submitted, an answer is usually provided within 60 seconds. If you didn't get an answer in this time-frame, you can check your approval status by calling Bank of America’s customer service at 1-866-665-3581. Hope this helps.
12 Votes 14 2
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Customer Reviews

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3.8 out of 5

265 reviews
Photo of Wade L.
Jun 1, 2016
During the last couple months AAA Credit Card has transitioned from VISA to Master Card. I never had any problems when they were with VISA, but on my first billing I got an "Interest Charge on Purchases", I called member services and asked how that can be because I have auto-payment where my bill is paid in full every month. She said it was an error in the system and happened because it was the first billing system with the new "Master Card" charge card. She said it would be reversed, BUT if it happened to me, then I suspect it happened to many others. Not everyone scrutinizes their charges more
Photo of Becky D.
Sep 16, 2015
The AAA Member Rewards Credit Card has a decent rewards program and no annual fee, but the APR is pretty high. This is a good card for people who use their credit card instead of a debit card and pay it off in full every month. I also like that it has the smart chip technology because it's much safer than just the magnetic strip.
Photo of Dave S.
Jul 6, 2015
I got this card because I like AAA. The credit card, however, I did not like. First of all, they'd send me a bill every OTHER month, so when I got it, I always had a late fee on it, which I had to call and get removed. Second, I had a charge from a company that auto-charged me. I called and asked them to cancel and remove the charge, and the company refused. I called the credit card company and tried to dispute it, but they said, "nah, it's in their terms and conditions". Credit card companies should PROTECT CONSUMERS from this kind of crap, and they DIDN'T! So more
Photo of Randy S.
Jun 9, 2015
I think there are some good and bad things with this card. A 25 day grace period is nice, in case you are having trouble paying on time but that APR can get a little high. Personally, I would never use a card that could shoot up to almost 23% after a year. The smart chip is an essential tool to have in a new card so I do like that. Again, I would never take out a cash advance with a 15% fee. It would make more sense to take the time to take a bank loan out instead.
Photo of Roshan J.
May 8, 2015
I think that the AAA Member Rewards Credit Card is a great choice for AAA members it has a lot of benefits and protection options from overdraft protection to shopping protection. I also like that there are no annual fees which in turn can help save you a lot of money,and the cash reward bonus is a great idea while in turn with the cash back. The only thing I did not like in my opinion is the balance transfer fee because it charges you 3% of whatever you are transferring, and the max penalty APR is kind of high.
Photo of Max J.
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
Photo of Courtney G.
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.
Photo of Shayna A.
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
Photo of George G.
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.
Photo of Quincy L.
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.
Photo of Pro S.
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.
Photo of Tom M.
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.
Photo of Jen F.
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
Photo of Bonnie B.
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
Photo of Topanga E.
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.
Photo of Linda T.
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.
Photo of Alia B.
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
Photo of Dee B.
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!
Photo of Christine B.
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
Photo of Blake W.
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.
Photo of Kate M.
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.
Photo of John T.
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
Photo of Early N.
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!
Photo of Theo K.
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.
Photo of Koushi S.
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.
Photo of Corey B.
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.
Photo of Nick C.
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.
Photo of Sam W.
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.
Photo of Crystal R.
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.
Photo of Dawn M.
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.
Photo of Samantha W.
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!
Photo of Tory H.
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.
Photo of Lakeisha M.
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.
Photo of Zeb D.
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.
Photo of Greg K.
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.
Photo of Susan C.
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
Photo of Rob D.
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
Photo of Krystal M.
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
Photo of Nicole A.
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
Photo of Jacoby G.
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
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Last updated on: Sep 28th, 2016 at 2:07 EDT

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