AAA Dollars Plus Mastercard Review

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The AAA Dollars Plus Mastercard may be worth considering if you’re invested in AAA’s products and services. But you can’t get a AAA credit card unless you’re a member, and the rewards program’s main value proposition is somewhat limiting.

AAA Dollars® Plus Mastercard®

overall rating
3.3
AAA Dollars® Plus Mastercard®
Recommended Credit Score Our recommended ranges are based off of the FICO® Score 8 credit-scoring model. Credit score is one of the many factors lenders review in considering your application.
350 579
580 669
670 739
740 799
800 850
Good - Excellent
Regular APR (%) 16.49% - 25.49% variable
Annual Fee $0
Rewards Earning Rate 3% cash back on travel and AAA Membership purchases, 2% on net gas stations, grocery store and drug store purchases, and 1% back everywhere else.
INTRO PURCHASE APR 0% for 12 Billing Cycles
Foreign transaction fee (%) 0%
Ratings Breakdown
for Interest
2.9
for Fees
1.9
for Rewards
4.7
for Credit
2.2

Current Offer:

Earn $150 cash back after spending $1,500 in qualifying net purchases within the first 90 days

Who Is This Credit Card Best For?

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    Savvy Saver

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.

Pros
  • Bonus value when you redeem rewards for AAA Rewards Cards

  • No foreign transaction fees

Cons
  • Limited availability

  • Low base rewards rate

  • Rewards expire

Pros Explained

  • 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.

Cons Explained

  • 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. 

Sign-Up Bonus

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.

Earning Rewards

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.

Redeeming Rewards

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. 

Customer Experience

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.

Security Features 

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.

For AAA Dollars® Plus Mastercard®
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CURRENT CARD
AAA Dollars® Plus Mastercard®
overall rating
3.3
Recommended Credit Score Our recommended ranges are based off of the FICO® Score 8 credit-scoring model. Credit score is one of the many factors lenders review in considering your application.
350 579
580 669
670 739
740 799
800 850
Good - Excellent
Regular APR (%) 16.49% - 25.49% variable
Annual Fee $0
Rewards Earning Rate 3% cash back on travel and AAA Membership purchases, 2% on net gas stations, grocery store and drug store purchases, and 1% back everywhere else.
Our Methodology
  • At The Balance, we are dedicated to giving you unbiased, comprehensive credit card reviews. To do this, we collect data on hundreds of cards and score more than 55 features that affect your finances.
  • Our Reviews Are Always Impartial: No one can influence which cards we review, the way we present them to you, or the ratings they receive. The scores and reviews come directly from the data we collect and our editorial expertise, and we focus on three areas:
  • How Much Does It Cost? With credit card debt at an all-time high, we believe you should know the cost of carrying a balance. Because of that, we give regular purchase APRs significant weight in overall scores, and cards receive low marks if they have an array of pricey fees.
  • What Are the Rewards Worth? Cards accumulate rewards in different currencies—points, miles, cash back—and their values vary widely. To simplify the problem, we built a system that fairly compares rewards and gives them a dollar value. We do this by looking at the ways you can earn and use rewards, which includes evaluating Americans’ typical spending habits and analyzing common travel patterns.
  • Does It Make Your Life Easier? Our scoring system favors cards that accept a wide range of credit profiles and offer simple solutions for things like checking your credit score or contacting customer service. Finally, we give preference to credit cards that have several tools for dealing with fraudulent charges.
  • For every review on The Balance, we hold the credit cards to these standards, and we set the bar high. While we recognize the appeal of splashy features like six-digit sign-up bonuses, our approach ensures that credit cards with the best combination of value, affordability, and accessibility receive the highest scores. See our full methodology for more details.