AAA Member Rewards Visa Review

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.

AAA member rewards visa

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.

Redeeming Rewards

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.

Next Steps

To submit an application for this credit card, visit the AAA card website.


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