Rating: 5 Stars
Rewards for AAA members
|Regular APR:||14.99% – 24.99% (Variable)|
|Intro APR (Purchases):||0% for 12 months|
|Intro APR (Balance transfers):||0% for 12 months on qualifying balance transfers|
|Rewards Rate:||3X points on eligible AAA and travel purchases|
2x points on gas grocery store, wholesale club, and drugstore purchases
1x points on all other types of purchases
|Credit Needed:||(580-669) Average/Fair|
*See online credit card application for details on the terms and conditions.
- Click APPLY NOW to apply online
- New cardholders get a $150 statement credit after making at least $750 in purchases within the first 90 days of account opening.
- $0 annual fee and no foreign transaction fee
- Earn 3X points on eligible AAA and travel purchases
- Earn 2x points on gas, grocery store, wholesale club, and drugstore purchases
- Earn 1x points on all other types of purchases
Is AAA Member Rewards worth it?
AAA Member Rewards Credit Card is a great card for AAA members with 3 points per dollar on eligible AAA purchases and travel which can be booked through the AAA Travel Center. For non-AAA members, the card is a solid choice, with 2 points per dollar on popular spending categories – gas, grocery store, wholesale club, and drugstore purchases.
Point redemptions start at 5,000 points for statement credit, 2,500 points for air-travel, 3,500 for gift cards, 5,000 for AAA vouchers, including AAA auto repair facilities. Points are worth one cent when redeemed as statement credit and a little more when redeemed for AAA purchases. This card has no annual fee.
- $150 statement credit after $750 in purchases in first 90 days of account opening
- 3x rewards on eligible AAA purchases and travel
- 2x rewards in popular spending categories ? gas, grocery store, wholesale club, and drugstore purchases
- No annual fee
- 5000 points must be earned before they can be redeemed for cash or AAA benefits
Why 5 Stars?
The normal APR of 14.99% – 24.99% (Variable) is average. Pretty good for a rewards card, but not excellent.
There is an Intro APR of 0% for 12 months on purchases and balance transfers, as long as the transfer is made in the first 60 days of opening the account. This is a great Intro APR. But there is a caveat to be aware of with balance transfers, and this goes for all balance transfer cards.
If you make a transfer and then make a purchase, you have to pay the minimum payment and on top of that pay off the purchase in that billing period to avoid interest. Because you have to know your minimum payment to get this right, most people should use a different card for purchases.
There’s no annual fee and no foreign transaction, but there’s no break on balance transfer or cash advance fees. Plus, there’s up to 29.99% penalty interest, depending on your credit, if you make a late payment.
Free cash is good – especially $150 statement credit after $750 in purchases in first 90 days. 3x rewards on AAA purchases and travel and 2x rewards in gas, grocery store, wholesale club, and drugstore purchases covers almost every major category of everyday purchase people use credit cards for.
Putting aside the AAA rewards for a second, if all you did was spend $1000 on gas, $3000 on groceries and wholesale club purchases, and $1000 on drugstore purchases, you would get $50 in statement credit. Not bad for a no annual fee card. The card is a Visa Signature too, so it offers a long list of benefits.
The rewards are pretty good and will be even sweeter if you are already comfortable making purchases through the AAA.com website. There’s no break on interest or penalty interest, so keep an eye on your balance and hopefully you won’t have to deal with interest.
|Foreign Transaction Fee||None|
|Balance Transfer Fee||3% per transaction|
|Cash Advance Fee||None|
|$0 Fraud Liability|
|Auto Rental Collision Damage Waiver|
|Baggage Delay Reimbursement|
|Emergency Card Replacement|
|Emergency Cash Disbursement|
|Extended Warranty Protection|
|Lost Luggage Reimbursement|
|Travel Accident Insurance|
|Travel and Emergency Assistance|
|Trip Cancellation/Trip Interruption Reimbursement|
|Trip Delay Reimbursement|
Editorial Note: This content is not provided by the issuer. Any opinion, analyses, reviews, or recommendations expressed on this page are those of the author?s alone, and may not have been reviewed, approved or otherwise endorsed by the issuer.
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