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AAA Member Rewards review

Written by Nov. 8, 2022 Nov. 8, 2022

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Snapshot

4.0 Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards. star icon star icon star icon star icon star icon star icon star icon star icon star icon star icon .

What are the advantages and disadvantages

Pros

Decent welcome offer Low introductory APR on balance transfers No annual fee Variety of redemption options

Cons

Need at least 5,000 points for cash or AAA voucher redemption Points expire after 5 years

A deeper look at the current card offer

Quick highlights

Rewards rate: 3X points on qualifying travel and AAA purchases; 2X points on gas, grocery, drugstore and wholesale club purchases; 1X point on all other purchases Welcome offer: $200 statement credit if you spend at least $1,000 in the first 90 days Annual fee: $0 Purchase intro APR: N/A Balance transfer intro APR: 0 percent for 12 months Regular APR: 13.99 percent to 23.99 percent (variable)

Current welcome offer

Get a $200 statement credit after spending $1,000 in the first 90 days-an offer that's on par with other annual fee-free credit cards around. The spending requirement can be met easily if you time your card application with a big purchase or spend around $334 every 30 days. Many offer welcome bonuses in the form of points or miles instead, but a statement credit is a fantastic alternative because you won't have to worry about expiry dates and you know exactly how much the bonus is worth.

Rewards

One of the best things about AAA credit card rewards is that you're not restricted to travel redemptions. You've got great rewards options, ranging from cash back, statement credits, gift cards, air travel, car rentals, hotel stays or AAA vouchers.

Earning rewards

With no limits to the points you can earn or rotating categories to monitor, this AAA credit card makes it effortless to grow your points balance. You'll earn a solid 3X points on eligible travel and AAA purchases. Examples of qualifying travel include flights, hotels, car rentals and cruise packages. Not all AAA purchases will earn you extra points, though, so always check the fine print to avoid disappointment. Everyday spending on gas, grocery and drugstore purchases will land you two points, and you'll get one point per dollar for all other purchases.

Redeeming rewards

While we love AAA's range of rewards options, we're less thrilled that points expire after five years. You'll also need to accrue a minimum number of points before redemption. For example, you'll need at least 2,500 points for air travel redemption, 3,500 points for gift cards and 5,000 points for cash and AAA vouchers. Once you've got enough points, you can receive cash in the form of a statement credit, a check or a direct deposit if you have a Bank of America checking or savings account.

How much are points worth

According to , 50,000 points can be redeemed for a $700 AAA voucher compared to $500 in cash rewards. The redemption value for other reward options varies based on the type of reward and the number of points redeemed. For example, 3,500 points can be redeemed for a $25 gift card, which gives a value of 0.7 cents per point. When redeemed for travel, points are worth one cent each.

Other cardholder perks

While AAA credit card benefits won't compare to premium travel credit cards, what it does offer-an introductory APR on balance transfers, no foreign transaction fee and FICO score access-will please most credit card users.

Intro APR on balance transfers

Particularly useful if you've got a balance on another credit card, the 0 percent introductory APR on balance transfers for 12 months can save you plenty on interest charges. Note, you'll need to make the transfer within 60 days of account opening, and the interest rate will revert to the regular APR of between 13.99 percent and 23.99 percent variable once the introductory period ends. A balance transfer fee of $10 or 3 percent of each transaction is required, whichever is greater.

Visa acceptance and no foreign transaction fees

Regular travelers will appreciate the convenience of a Visa card's worldwide acceptance and that transactions abroad won't attract the usual 3 percent foreign transaction fee.

Account features and protection

While it's somewhat standard these days, it's reassuring to know you won't have to pay for fraudulent transactions with the $0 liability guarantee. You can elect to receive text or email alerts to be notified of suspicious transactions. You'll also have access to your FICO score free of charge, which is handy for fraud protection and building credit. Managing your account can be done easily with mobile and online banking.

Maximizing AAA member benefits

Combining the use of your AAA credit card with your AAA membership benefits can really maximize the value of your spending. For example, members can save 15 percent on Hertz car rentals but also receive 3X points per dollar for paying with an AAA credit card.

Rates and fees

The card has no annual fee or foreign transaction fees, but a late payment will attract up to a $40 fee. A returned payment, on the other hand, adds up to a $29 fee. The 0 percent introductory APR for balance transfers lasts for 12 months, then a variable APR of 13.99 percent to 23.99 percent. The balance transfer fee is $10 or 3 percent of the amount transferred, whichever is greater.

How the AAA Member Rewards compares to other travel rewards cards

AAA Member Rewards Visa® Credit Card

star icon star icon star icon star icon star icon star icon star icon star icon star icon star icon Bankrate Score Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards. Annual fee Intro offer Receive a $150 statement credit after you make at least $500 in purchases within the first 90 days of account opening Rewards rate 3X points on eligible travel and AAA purchases 2X points on gas, grocery store and drugstore purchases 1 point per $1 on purchases everywhere else Recommended credit A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.

American Airlines AAdvantage MileUp℠ Card

Annual fee Intro offer Earn 10,000 American Airlines AAdvantage bonus miles and receive a $50 statement credit after making $500 in purchases within the first 3 months of account opening Rewards rate Earn 2 AAdvantage miles for each $1 spent at grocery stores, including grocery delivery services Earn 2 AAdvantage miles for every $1 spent on eligible American Airlines purchases Earn 1 AAdvantage mile for every $1 spent on other purchases Recommended credit A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.

Discover it® Miles

on Discover's secure site Annual fee Intro offer Unlimited Bonus: Only Discover gives you an unlimited match of all the Miles you've earned at the end of your first year. For example, if you earn 35,000 Miles, you get 70,000 Miles. There's no signing up, no minimum spending or maximum rewards. Just a Miles-for-Miles match. Rewards rate Automatically earn unlimited 1.5x Miles on every dollar of every purchase - with no annual fee. Recommended credit A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product. The American Airlines AAdvantage MileUp Card℠ is another no-annual-fee option to consider if you're a regular on American Airlines. You'll get 2X AAdvantage miles on grocery store and American Airlines purchases, but redemption is limited to travel rewards. Another option is the Discover it® Miles. It comes with a simple flat-rate structure of 1.5X miles for every dollar on all purchases, and you can redeem miles as a statement credit to pay for your travel purchases.

Best cards to pair the AAA Member Rewards card with

If you want to redeem cash rewards for any amount at any time, then pairing your AAA credit card with the could be the answer. You'll earn an unlimited 1.5 percent cash bank on all purchases for no annual fee, plus there's a cash bonus of $200 if you spend $500 in the first three months. Another pairing option for flexible cash back is the , which offers an unlimited 1 percent cash back as you buy, plus another 1 percent back when you pay for your purchases. It comes with an 18-month 0 percent introductory APR on balance transfers (17.74 percent to 27.74 percent variable APR thereafter).

Bankrate s Take-Is the AAA Member Rewards card worth it

The AAA Member Rewards card is ideal if you're a regular traveler but want the flexibility to earn and redeem more than just travel rewards. With a solid welcome bonus, a low introductory APR on balance transfers and decent rewards on everyday spending categories, it's a fantastic all-rounder for no annual fee.
The information about the AAA Member Rewards Visa and American Airlines AAdvantage MileUp Card℠ has been collected independently by Bankrate.com. The card details have not been reviewed or approved by the card issuer.

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