| Rewards | Cardholders earn 3 points per dollar (? 3% cash-back value) on eligible travel purchases and AAA purchases. 2 points per dollar (? 2% cash-back) on purchases at gas stations, grocery stores, wholesale clubs and drugstores. 1 point per dollar (? 1% cash-back) on all other eligible purchases |
|---|---|
| Signup Bonus | The card offeres a bonus of $50 Walmart gift card after spending $X. A $200 bonus after spending $1,000 within a certain period. |
| Annual Fee | None |
| Cardmember Agreement | View Here |
| Cash Advance APR | approximately 33.24% variable |
| Cash Advance Fee | $10 or 5% of the amount of each cash advance |
| Late Payment Fee | The first late payment fee is $30 If you have another late payment within six billing cycles, the fee rises to $41 |
| Purchases APR | 15.24%–25.24% variable, based on creditworthiness |
| * Card terms and offers are subject to change. Confirm current details with the issuer. | |
CARD OVERVIEW
The AAA Member Rewards Credit Card stands out for its simple, no-annual-fee rewards structure and extra perks for AAA members. It typically offers 3% cash back on travel and dining, 2% on gas, and 1% on everything else—a nice fit for drivers and frequent travelers. There’s usually a modest intro APR period on purchases, though no big welcome bonus.
Most users say they like the straightforward rewards and lack of fees, especially those who already use AAA for roadside assistance or insurance. Many reviewers mentioned that redemption is easy, and rewards post reliably.
On the flip side, cardholders often complain about limited redemption flexibility (points mainly redeemable through AAA or statement credits) and a lack of premium travel perks compared with bigger-name cards. Some also note average customer service and no standout intro bonus as downsides.
Personally, I think this card makes sense for loyal AAA members who want steady cash back without paying an annual fee. But if you’re after richer travel rewards or flexible points, you’ll probably find more value with a general-purpose travel card.
RATE THIS CREDIT CARD
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Bro sorry, but some error occurred :O
B
Rewards Didn't Feel Worth It
As an AAA member, I expect perk, but the rewards were slow to add up and benefits felt limited. I rarely use it now because the value just isn't there for my everyday spending.
M
Love it!
My favorite card!
H
Best rewards
really love the rewards this card offers
C
Very Good!
After signing up, I receive good benefits and it works well when I also travel, it never declines me.
J
Love being an AAA member
This card is a life saver and works wherever AAA members receive special discounts.
