Who is This Credit Card Best For?
Diligently searches for the best products and delights in a good bargain
Prioritizes sticking to their budget while buying what they want and need
The AAA Dollars Plus Mastercard, issued by ACG Card Services, offers decent cash-back rewards and may be worth considering if you spend a lot on travel or at gas stations, grocery stores, and drugstores. But its limitations make it less appealing than other cash-back credit cards.
To carry a AAA credit card, you need to be a member of the association. Even then, AAA is made up of regional clubs and not all AAA clubs offer the card. It can provide some extra value if you’re willing to jump through hoops, but look elsewhere if you want a simpler option.
Bonus value when you redeem rewards for AAA Rewards Cards
No foreign transaction fees
Low base rewards rate
- Bonus value when you redeem your rewards for AAA Rewards Cards: Each AAA Dollar you earn is worth 1 cent with most redemption options. But if you redeem your rewards for a AAA Rewards Card, you’ll get up to 40% more value, increasing your effective rewards rate.
- No foreign transaction fees: The card doesn’t charge a foreign transaction fee, which is commonly charged by other cash-back credit cards. If you frequently travel abroad, this card can save you up to 3% on every international purchase you make.
- Limited availability: While the card doesn’t charge an annual fee, you’re required to be a AAA member to apply. The annual cost of membership can vary based on where you live and the membership tier you choose. Even if you are a member, not all AAA clubs offer the card, including clubs in Northern California, Nevada, and Utah.
- Low base rewards rate: You can earn as much as 3% back on select categories, but you may end up earning just 1% cash back on most of your purchases with the card. Several cash-back credit cards offer 1.5% or higher on every purchase you make.
- Rewards expire: Unused rewards will expire roughly five years after you initially earn them. While that may not be an issue if you plan to redeem often, many other cash-back rewards programs don’t have an expiration date as long as your account is open.
Once your account is open, you can earn up to $150 in cash back. You’ll start by getting 25 AAA Dollars when you make your first purchase in the first 90 days, and then you’ll receive an additional 125 AAA Dollars after you spend $1,500 during that same time period.
The sign-up bonus amount is on par with what many cash-back credit cards offer, but the minimum spend requirement is higher than what you’d have to spend to get it. With some cards, you only have to spend $500 to get the same incentive—or even a higher one.
The 90-day clock starts when your account is opened, not when you receive the card. So if it takes 10 days to get the card in the mail, you’ll only have 80 days to complete the minimum spend requirement.
The card offers 3% cash back on AAA and travel purchases, 2% back at gas stations, grocery stores, and drugstores, and 1% back on everything else.
There is no cap on how much you can earn in bonus rewards, which can happen with other cash-back credit cards. But unless you spend a lot with your local AAA club and on travel, the best you’ll get is 2% back on a few categories, a rewards rate that some cash-back cards offer on all of your purchases.
You can use your AAA Dollars to get a AAA Rewards Card, a statement credit, a deposit into your bank account, gift cards, or merchandise. You can also donate them to charity. If you redeem your AAA credit card Dollars for a AAA Rewards Card, you’ll get 20%-40% more value. Here’s a breakdown of your options:
- 50 AAA Dollars converts to a $60 AAA Rewards Card
- 100 AAA Dollars converts to a $120 AAA Rewards Card
- 200 AAA Dollars converts to a $250 AAA Rewards Card
- 500 AAA Dollars converts to a $700 AAA Rewards Card
You can use a AAA Rewards Card at participating AAA Clubs to purchase AAA Memberships and other products and services, such as travel, cruise and tour packages, gift cards, attraction tickets, and more.
To redeem your rewards, log in to your online account or call.
How to Get the Most Out of This Card
When you first get the card, plan to use it everywhere to make sure you spend the minimum amount required to get the full sign-up bonus. Also, plan to always redeem your rewards for AAA Rewards Cards to take advantage of the bonus value. Just remember that the more AAA Dollars you convert, the more value you’ll get when you make the redemption.
Also, remember that the card has an introductory 0% APR on both purchases and balance transfers for 12 billing cycles. If you need to make a big purchase or move a high-interest balance from another card, you could get hundreds of dollars in interest savings.
Keep in mind that the card charges a balance transfer fee of 3% of the transfer amount, with a $10 minimum. But if you get the full $150 sign-up bonus, that will effectively cover the fee for a transfer of up to $5,000.
There are two versions of the card: the AAA Dollars Plus World Mastercard and the AAA Dollars Plus Platinum Mastercard. When you apply, you’ll first be considered for the World Mastercard, and then the Platinum Mastercard if you don’t qualify for that. The AAA Dollars Plus Platinum Mastercard has a higher starting interest rate after the 0% APR promotional period ends, and you may miss out on some other benefits.
While it’s branded a AAA credit card, the card’s issuer is ACG Card Services, which is owned by U.S. Bank. ACG offers 24/7 customer service via phone. You can manage your account online, but the card issuer doesn’t offer a mobile app, which is standard among major credit card issuers.
The security features for the AAA Dollars Plus Mastercard are standard for the credit card industry.
AAA Dollars Plus Mastercard Fees
Other than not charging a foreign transaction fee, which most cash-back credit cards do charge, the AAA Dollars Plus Mastercard’s fees are on par with industry standards.