AAA Member Rewards Visa Review

Not Just for AAA Members

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With the AAA Member Rewards Visa, you earn unlimited rewards that you can redeem for cash back, statement credit, gift cards, air travel, car rentals, hotel stays, or AAA vouchers. If you're not familiar with AAA, it's a non-profit member service organization that provides travel assistance services like emergency roadside assistance to its members.

AAA Member Rewards Visa Details

Sign-up Bonus $150 statement credit if you spend $750 in the first three months
Rewards Rate 1%-3%
Ongoing APR 15.49% to 25.49%, based on your creditworthiness
Balance Transfer APR 0% introductory for 12 months, then 15.49% to 25.49%
Balance Transfer Fee Either $10 or 3% of the amount of each transaction
Late Payment Fee Up to $39
This card has no annual fee, intro APR, foreign transaction fee, or recommended credit score

Pros & Cons of AAA Member Rewards Visa

What We Like

  • 3% cash back on travel

  • 2% cash back on groceries and gas stations

  • Modest APR

What We Don't Like

  • High penalty APR

  • Points expire five months after they were earned

AAA Member Rewards Visa Sign-up Bonus

New AAA Member Rewards Visa members get a $150 statement credit if they spend $750 or more on their card within three months of opening the account.

New members also get an introductory balance transfer APR of 0% for 12 months.

Earning Points & Rewards

The AAA Member Rewards Visa has a good rewards program, especially for frequent travelers. Cardmembers earn 3X points on qualifying AAA and travel purchases. This includes purchases made with an airline, car rental agencies, hotels and resorts, cruise lines, and travel clubs.

Gas, grocery store, and drug store purchases earn 2X points, and all other purchases earn one point per dollar..

Redeeming Rewards

Redemption values begin at 2,500 points for air, 3,500 points for gift cards, and 5,000 points for cash and AAA rewards vouchers. The number of points you need to redeem for an air reward will be determined at the time of redemption.

Points expire five months after they were earned.

Points expire five months after they were earned.

AAA Member Rewards Visa Additional Fees

Penalty APR Up to 29.99%
Returned Payment Fee Up to $28
Cash Advance APR 18.49% to 27.49%, based on your creditworthiness
Cash Advance Fee Either $10 or 3% of the amount of each transaction
This card has no overlimit fee

Is This Card Right For You?

You don't have to be a member of AAA to apply for this card, which is a plus. The rewards and statement credit are a good perk. While the 0% balance transfer offer may be tempting, transferring a balance makes it harder to earn the statement credit or rewards. While the points are generous, they do expire and have minimums for redemption. If you travel frequently, this could be worth it, but if you do not, you may lose a lot of accumulated points.

Next Steps

If you want to apply for this card, visit the AAA card website.

Credit card terms and sign-up bonuses are subject to change from the time of this review. Refer to the application for current terms and conditions.