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 this card. It can provide some extra value if you’re willing to jump through hoops, but look elsewhere if you want a simpler option. Also, the card isn’t a good fit for business owners because AAA may block or reverse the rewards you get from business transactions.
The AAA Dollars Plus Mastercard is available to AAA members in: Florida, Georgia, Iowa, most of Illinois, a portion of Indiana, Michigan, most of Minnesota, Nebraska, North Dakota, Wisconsin, Puerto Rico, the U.S. Virgin Islands, and the Canadian province of Quebec.
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.
- 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.
- 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.
Bonus for New Cardholders
Once your account is open, you can earn up to $150 in cash back. You’ll receive an 150 AAA Dollars after you spend $1,500 in the first 90 days from the day AAA approved you for the card.
The welcome 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 bonus—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 is an advantage over some cash-back cards with bonus caps. As for rewards rates, the card’s ongoing, no-cap rewards for travel, gas and groceries are generous. However, if most of your spending is done in the 2% and 1% categories, a card with a 2% rate on all purchases could earn you more cash back each year.
AAA clubs in Northern California, Nevada, and Utah do not earn 3% on AAA purchases.
You can use your AAA Dollars to get a AAA Rewards Card, a statement credit or a deposit into your bank account. If you choose a statement credit, your points are worth 1 cent each. However, if you redeem your AAA Dollars for AAA Rewards cards, you’ll get 20%-40% more value (1.2 cents to 1.4 cents per point.) 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.
You can redeem your rewards through your online account or by calling 800-328-4859.
You cannot use your AAA Rewards Card to make purchases at AAA.com.
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 welcome 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, note 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.
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’s Fees
Other than not charging a foreign transaction fee, which many cash-back credit cards do charge, the AAA Dollars Plus Mastercard’s fees are on par with industry standards.