AAA Member Rewards Visa
The AAA Member Rewards Visa offers cardholders unlimited rewards that can be redeemed for cash back, a statement credit, gift cards, air travel, car rentals, hotel stays, or AAA vouchers. The card is a non-profit member service organization that offers travel assistance services to its members.
Features of AAA Member Rewards Visa
Sign-up Bonus of $150 statement credit if you spend $750 in the first three months
The Rewards Rate is 1%-3%
Ongoing APR is 15.49% to 25.49%, based on your creditworthiness
Balance Transfer APR is 0% introductory for 12 months, then 15.49% to 25.49%
Balance Transfer Fee is $10 or 3% of the amount of each transaction
Late Payment Fee is Up to $39
No annual fee, intro APR, a foreign transaction fee
Things u might like about this card
You will earn a 3% cash back on travels
2% cash back on groceries and gas stations
It has a Modest APR
Features u might not like
The card has a high penalty APR
Points expire five months after they are earned
The signup bonus of AAA Member Rewards Visa
The AAA Member Rewards Visa rewards its new members with a $150 statement credit if they spend $750 or more on their card within three months of opening the account and earn an introductory balance transfer APR of 0% for 12 months.
Earning Points & Rewards
The credit card has a very good rewards program, especially for frequent travelers. Members earn 3X points on qualifying AAA and travel purchases. Including purchases made with an airline, car rental agencies, hotels and resorts, cruise lines, and travel clubs. Other purchases like gas, grocery store, and drug store purchases earn 2X points, and all other purchases earn one point per dollar.
The Redemption values actually start from 2,500 points for air, 3,500 points for gift cards, and 5,000 points for cash and AAA rewards vouchers.
The Additional fees of AAA Member Rewards Visa
The Penalty APR is Up to 29.99%
Returned Payment Fee is Up to $28
Cash Advance APR is 18.49% to 27.49%, based on your creditworthiness
Cash Advance Fee is either $10 or 3% of the amount of each transaction
This card has no over limit fee
Application for this card can be done even by non-members which is an advantage. The rewards and statement credit of the card are a very good dividend. The 0% balance transfer looks very interesting but transferring a balance makes it harder to earn the statement credit or rewards. As for the points, they are generous but they expire and have minimums for redemption.
To submit an application for this credit card, visit the AAA card website.