Apply for the AAA Member Rewards Visa® credit card, and earn unlimited rewards you can use toward travel, merchandise, attractions, gift cards to restaurants and retailers, cash, and more. Plus, enjoy no annual fee.2
Earn triple points on all qualifying AAA purchases including travel, movie and attraction tickets, and more. Earn double points when you use your AAA Member Rewards Visa® credit card for gas, grocery, and drug store purchases, including prescriptions. Earn a single point for each dollar you spend on all other purchases you make every day. Get on the road to great rewards today.
Chip technology now offered on credit cards
Many European countries are now using a secure chip for credit card transactions. That’s why AAA offers chip technology on its credit cards to help make your international travel easier. Chip-enabled cards provide expanded purchase options and convenience for Americans traveling abroad. These cards also include a magnetic stripe, so they can be used in the U.S. as well as abroad. Make your next trip easy, worry-free, and secure with help from AAA. Check the chip-enabled card option to request this feature for free on the online application.
Or, call 1-866-665-3581 to speak with a AAA agent.
Redemption rewards include:
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Travel: Redeem points for a AAA Rewards Voucher good toward your next qualifying vacation booked through AAA Travel, including a cruise or tour package. |
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Merchandise: Reward yourself with name-brand merchandise, starting at 2,500 points. |
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AAR: Use your AAA Rewards Voucher at a participating AAA Approved Auto Repair facility to help ensure your car gets you where you’re going. |
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Gift Cards: Beginning at 3,500 points, the Member Rewards gift card collection provides a wide assortment of popular retailers, restaurants, and entertainment. |
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Cash: Enjoy the freedom of choice with cash rewards–including the option to have cash deposited directly into your account. |
Current AAA card holders:
Cash Rewards MasterCard®, Member Rewards and WorldPoints® rewards Visa® credit card holders:
1Earn 1 point per dollar of new net retail purchase transactions (qualifying purchases less credits, returns, and adjustments) (“Net Purchases”) charged to the card each billing cycle. Earn 2 points per dollar (consisting of 1 base point and 1 bonus point) for Net Purchases made with the card at any eligible gas, grocery or pharmacy retail merchant categories as designated by us. Eligible merchants and their associated Merchant Category Codes (“MCC”) are the following: (a) Gas Stations (MCC codes 5541 and 5542); (b) Grocery Stores (MCC codes 5411, 5422, 5441, 5451, 5462, and 5499); and (c) Pharmacy Stores (MCC codes 5122 and 5912). Purchases made at merchants that do not process transactions under these codes will not qualify to receive double points. Earn 3 points per dollar (consisting of 1 base point and 2 bonus points) for Net Purchases made with the card through any participating AAA Club, when AAA is the merchant of record, or at eligible retail travel merchant categories as designated by us. Eligible travel Merchant Category Codes (“MCC”) are the following: (a) Airlines (MCC codes 3000-3299, and 4511); (b) Car Rental Agencies (MCC codes 3351-3441, and 7512); (c) Hotels, Motels, Inns and Resorts (MCC codes 3501-3999, and 7011); (d) Cruise Lines (MCC code 4411); and (e) Travel Agencies and Tour Operators (MCC Code 4722). Purchases made at merchants that do not process transactions under these codes will not qualify to receive triple points. Allow 8-12 weeks from qualifying for the bonus points to post to your account. Rewards begin at 2,500 points for merchandise, 5,000 points for cash and AAA reward vouchers and 15,000 points for air. Other restrictions apply. Complete details accompany new account materials.
2The Standard Annual Percentage Rates (APRs) vary based on the method of application. If you apply using a take-one application or by phone the Standard Variable APR for Purchases and Balance Transfers is currently between 13.99% and 19.99%, based on your creditworthiness, and the Standard Variable APR for Cash Advances is currently 24.99%. If you apply online, the Standard Variable APR for Purchases and Balance Transfers is currently between 12.99% and 20.99%, based on your creditworthiness, and the Standard Variable APR for Cash Advances is currently 24.99%. If you apply in a AAA club, the Standard APR for Purchases and Balance Transfers is between 12.99% and 19.99%, based on your creditworthiness, and the Standard APR for Cash Advances is 24.99%. For the accounts with Variable APRs, they will vary with the market based on the Prime Rate as set out in the Variable-Rate Information section of your Credit Card Agreement. The remaining terms apply to all methods of application. The current Introductory APR for any Balance Transfers made within 60 days of opening your account is 2.99% through your first 12 statement Closing Dates. Minimum Finance Charge is $1.50. Transaction fee for Balance Transfers, Cash Advances and purchases of wire transfers from a non-financial institution is 4% (min. $10). Overdraft Protection Cash Advances have a fee of $10. Transaction fee for any transaction made in a foreign currency is 2%. We reserve the right to change fees, the APRs for new transactions, and other terms of the account in accordance with the Credit Card Agreement and applicable law. If your account has balances with different APRs, the amount of your payment equal to the Total Minimum Payment Due is applied to the balance with the lowest APR before any payments are applied to balances with higher APRs. Any amount of your payment that is greater than the Total Minimum Payment Due is applied to the balances with the highest APR before being applied to balances with lower APRs. Cash Advances and/or Balance Transfers may not be used to pay off or pay down any account issued by FIA Card Services, N.A. This credit card program is issued and administered FIA Card Services, N.A.
This credit card program is issued and administered by FIA Card Services, N.A. Visa and Visa Signature are registered trademarks of Visa International Service Association and are used by the Issuer pursuant to license for Visa U.S.A. Inc. AAA is a trademark of American Automobile Association, Inc.
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