AAA Member Rewards Credit Card

aaa credit card
Required Credit Score: Excellent, Good
4 195 reviews   Write a Review!
Existing Cardholders

AAA Member Rewards Credit Card’s Rewards

Base Earn
1 points / $1
Max Earn
3 points / $1
Earn / Redeem Limit
  • 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)

AAA Member Rewards Credit Card’s Additional Info

  • MAX LATE FEE   $35
  • MAX PENALTY APR   29.99% (V)
  • GRACE PERIOD   25 days
  • CASH ADVANCE RATE 24.99% (V)
  • CASH ADVANCE FEE 5% (min $10)
  • 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®.
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AAA Member Rewards Credit Card Reviews

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Overall Rating: 3.9 / 5
Total Ratings: 195
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Nov 22, 2014
Photo of Bonnie B.
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 When I called to have it rescinded they said they couldn't do that unless they got the card back.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.
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.
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.
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.
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.
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 Marcel G.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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
Sep 18, 2013
Photo of Sheryl P.
The AAA Credit Card has some nice benefits to a regular credit card. If you are planning on doing any travel, the 3% you get back can be very nice. They also offer 2% back on gas, grocery and drug store purchases. There are no limits to the amount of points you can earn either, which makes this much better than other cards that have a focus on travel. The 1% back on every day purchases means you might not want to use this as your every day card, so consider using something else such as Chase Sapphire or Capital One Venture that give you a little bit of a more
Sep 12, 2013
Photo of Jon S.
I really think that this card is on the VISA network, which is a major benefit as visa cards tend to be accepted in more places than others. The rates are ok, and are fairly typical of cards in this range- it really shines with the cash advance fee of only 5%, however, as many other cards charge 10% or higher. The AAA rewards card is also a great international card if you travel; the smart chip embedded in the card makes it perfect for business people or frequent travelers, and since it is a visa you know it will be accepted in most locations.
Aug 30, 2013
Photo of Pat E.
The AAA Rewards Credit Card is a rewards card where you earn an average amount on grocery and gas purchases. You earn 3 points on qualifying travel purchases, though it doesn't specify exactly what that means, so you'll have to investigate it further if you're interested. Beyond that, it's 1 point for all other purchases, which is pretty standard - my Amazon rewards card does the same thing. The rate seems a tad lower than its competitors, though there's not much else going for the card in terms of lower rates of things like transfers, if you use that sort of thing. However, it does seem to be accepted in more
Aug 22, 2013
Photo of Heather W.
I am super impressed with the different options available with the AAA Rewards Credit Card! In comparison with credit cards I've used in the past, the AAA Rewards Credit Card has soooo much more to offer. I love that it offers low introductory rates and think that its smart chip technology is such a wonderful idea and would make for a lot of ease of access when it's is most needed: during trips out of country! The rewards offered are such an incredible deal and I have to would say that this credit card rates at the top of my list in every regard!
Aug 8, 2013
Photo of Stephen B.
The AAA Rewards Credit Card is a great card for those who travel a lot. The rates are relatively low, starting at 12.99% and it offers a very good rewards program. By earning triple points on qualifying AAA travel purchases, it could be very lucrative as far as rewards go. I work in the hotel business and I have a lot of guests who use this exact card upon check-in and their reason is usually the same: they use it for the rewards. With this card, what you see is what you get. There aren't many special features that other cards offer but plainly put it's just a relatively good more
Aug 2, 2013
Photo of Tiffanie F.
I personally own and love this card. It's so easy to earn points and you start with 3% for the first year. Compared to other cards like visa signature where the interest rate is beyond reasonable. This is my first credit card and I couldn't love it more. There are tons of rewards such as cash back, AAA vouchers, or gift cards. Not to mention you could double points on grocery items. The AAA rewards credit card is a great card.
Jun 1, 2012
Photo of Megan W.
I have no complaints about this credit card. There are lots of choices for using your reward points and they are easy to cash in. The website for the card is easy to navigate and the few times I have called customer service they have been helpful. You don’t usually have opportunities to earn more than $1= 1 point so rewards do take a while to accumulate. They have deals sometimes where you can do interest free balance transfers which can be helpful but it's pretty standard. You can use it to receive AAA discounts wherever they offer them, so at hotels or stores like Payless and Walgreens you can more
Dec 20, 2011
Photo of Joe W.
Are you a AAA member? If not, you shouldn’t even consider the AAA Rewards Credit Card. If so, it really depends how lucrative this card is compared to the rest of the above-average credit rewards credit card market. The AAA rewards credit card offers the standard 1 point per dollar spent on all purchases in addition to 2 point per dollar spent on gas, grocery and drug store purchases, and 3 points per dollar on AAA purchases, including travel. That’s about it. The 2.99% intro balance transfer rate for 12 months isn’t a perk since it comes with a 4% transfer fee and there are cards out there that offer more
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Last updated on: Nov 22nd, 2014 at 10:48 EST