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Ad Disclosure

AAA Member Rewards Credit Card Review

AAA Member Rewards Card

Rating: 5 Stars

Bottom Line:
Rewards for AAA members

Apply Now
Card DetailsThe OfferIs it Worth It?
Pros and ConsWhy 5 Stars?Fees
Benefits

TABLE OF CONTENTS

  • Card Details
  • Offer Highlights
  • Is AAA Member Rewards worth it?
  • Pros
  • Cons
  • Why 5 Stars?
  • Regular APR
  • Intro APR
  • Fees
  • Perks
  • Overall
  • Fees
  • Benefits

Card Details

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
Annual Fee:None
Card Brand:Visa

*See online credit card application for details on the terms and conditions.

Offer Highlights

  • 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.

Pros

  • $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

Cons

  • 5000 points must be earned before they can be redeemed for cash or AAA benefits

Why 5 Stars?

Regular APR

The normal APR of 14.99% – 24.99% (Variable) is average. Pretty good for a rewards card, but not excellent.
4 Stars

Intro APR

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.
5 Stars

Fees

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.
4 Stars

Perks

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.
5 Stars

Overall

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.
5 Stars

Fees

Foreign Transaction FeeNone
Balance Transfer Fee3% per transaction
Cash Advance FeeNone
Penalty APR17.99%

Benefits

$0 Fraud Liability
Auto Rental Collision Damage Waiver
Baggage Delay Reimbursement
Concierge Service
Emergency Card Replacement
Emergency Cash Disbursement
Extended Warranty Protection
Lost Luggage Reimbursement
Travel Accident Insurance
Price Protection
Purchase Protection
Return Protection
Roadside Dispatch
Travel and Emergency Assistance
Trip Cancellation/Trip Interruption Reimbursement
Trip Delay Reimbursement
Get Started with AAA Member Rewards Credit Card

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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