AAA Member Rewards Visa Credit Card Review: Simple, Flexible Rewards System

See if this AAA credit card is your best option.

The AAA Member Rewards Visa credit card offers travel-friendly perks such as common carrier accident coverage, supplemental collision damage coverage and 3 percent cash back on certain travel purchases. If you travel often for business or leisure — or are a current AAA member — this rewards credit card might be a good fit for you.

Here’s a look at the various features and benefits of the AAA Member Rewards Visa credit card:

AAA Member Rewards Visa Credit Card at a Glance
Introductory Offer $75 statement credit after spending $500 within 90 days of opening the account
Purchase APR 14.99% – 24.99%, depending on creditworthiness
Balance Transfer APR 0% intro APR for the first 12 months, then 14.99% to 24.99%, depending on creditworthiness
  • 3x points, or 3 percent cash back, on eligible AAA or travel expenses
  • 2x points, or 2 percent cash back, at drugstores, gas stations and grocery stores
  • 1x points, or 1 percent cash back, on all other purchases
  • No annual fee
  • No foreign transaction fees
  • Up to $38 for late payments
  • Up to $27 for returned payments
Rates accurate as of Sept. 7, 2018.

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What You Need to Know About the AAA Member Rewards Credit Card

Credit card customers participate in the Member Rewards program for free. AAA credit card rewards points can be redeemed for AAA Approved Auto Repair vouchers, AAA travel vouchers, cash back or statement credits, which allows for versatility.

If you take advantage of AAA credit card rewards in tandem with the many discounts that AAA offers, you might be able to save a lot of money.

Best Features of the AAA Member Rewards Credit Card

This AAA Visa card offers a simple yet flexible rewards system. The bonus categories for triple and double points don’t change, and points won’t expire for five years. As a plus, the AAA Member Rewards Visa credit card doesn’t cap rewards — there are no annual limits, so you can earn points on every purchase no matter how many you make.

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You can also rest assured with this AAA credit card’s $0 liability guarantee, which ensures you won’t be responsible for fraudulent charges if your card gets stolen.

Additional Considerations of the AAA Visa Credit Card

The AAA Member Rewards Visa credit card comes with 24/7 customer service as well as easy AAA membership renewal. With 36 clubs as well as over 1,000 local offices, AAA has a wide-reaching network that could prove useful to members who frequent the roads.

AAA Member Rewards Credit Card Designed for Travelers

If you find yourself traveling or calling AAA on a regular basis, you might be able to reap significant rewards from this AAA Visa card’s triple-point bonus category for eligible travel and AAA purchases. Travelers will also benefit from the lack of foreign transaction fees as well as no annual fee. But, when applying for this AAA credit card, bear in mind that good to excellent credit is required for approval. Also, if you’re seeking a credit card with a 0% introductory APR for purchases — which the AAA Member Rewards Visa lacks — there are other cards on the market with stronger introductory offers.

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Credit card information was sourced from the Automobile Club of Southern California, which is a member club affiliated with the AAA national federation.

This content is not provided by the companies mentioned. Any opinions, analyses, reviews or recommendations expressed in this article are those of the author alone and have not been reviewed, approved or otherwise endorsed by AAA or Visa.

About the Author

Grace Lin

Grace joined the GOBankingRates team in 2017 with an editorial background in print journalism and magazines. Prior to editing and writing for GOBankingRates, Grace pitched books and movies from Renaissance Literary & Talent, a literary agency and management firm representing clients such as the estate of Audrey Hepburn, Kirk Douglas, Goldie Hawn and Heidi Murkoff of the "What to Expect When You're Expecting" series.

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