0% Intro APR† on Purchases and Balance Transfers for 15 Billing Cycles. After that a variable APR, currently 12.99% - 23.99%

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AAA Dollars® Mastercard®

Get a variable rate currently as low as 12.99% APR† & every qualifying net purchase earns valuable AAA Dollars®!1

Now you can earn AAA Dollars every day, enjoy exclusive rewards, and experience the value and security you expect from AAA. Enjoy a variable rate currently as low as 12.99%†, exclusively for AAA Members with the AAA Dollars Mastercard. Plus, every qualifying net purchase made with the AAA Dollars Mastercard earns valuable AAA Dollars1. You’ll earn 1% on qualifying net purchases everywhere2 you use your AAA Dollars Mastercard.

From gas and groceries to entertainment and travel, the more you use your card, the faster you’ll earn AAA Dollars! And you’ll do it safer with Chip Security and zero fraud liability.3

  • With Chip Security and zero fraud liability,3 you’ll appreciate the peace of mind that comes with a more secure way to pay, wherever you travel.
  • It’s easy to redeem your AAA Dollars for AAA Rewards Cards4, or for merchandise, statement credit, merchant gift cards or charitable donations. Even use your rewards for your next travel experience!
  • When you redeem your AAA Dollars for a value-enhanced AAA Rewards Card, you’ll receive up to a 40% bonus!4
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Annual Percentage Rate (APR)

† The 0% introductory APR applies to balance transfers made within 30 days of account opening. The introductory rate does not apply to cash advances. Balance Transfer Fee of 3% of each transfer amount, $10 minimum will apply. We apply your minimum payment to balances with lower APRs first, including promotional APRs. Amounts paid over the minimum payment will be applied in the order of highest to lowest APR balances.

We may change APRs, fees, and other Account terms in the future based on your experience with ACG Card Services and its affiliates as provided under the Cardmember Agreement and applicable law.

1Account must be open and in good standing to earn and redeem rewards and benefits. Upon approval, please refer to your Cardmember Agreement for additional information. Net purchases are purchases minus credits and returns. Qualifying purchases do not include Advances (as defined in the Agreement, including wire transfers, travelers checks, money orders, foreign cash transactions, betting transactions, lottery tickets and ATM disbursements), convenience checks, balance transfers, unauthorized or fraudulent charges, overdraft advances, interest charges, fees, credit insurance charges, transactions to fund certain prepaid card products, U.S. Mint purchases, or transactions to purchase cash convertible items.

2 AAA Dollars are not earned on business related transactions or activities. You may not redeem AAA Dollars, and you will immediately lose all of your AAA Dollars, if your Account is closed to future transactions (including, but not limited to, due to Program misuse, failure to pay, bankruptcy, or death). AAA Dollars awarded but not redeemed will expire at 11:00 p.m. Central Time on the last day of the calendar quarter that is five (5) years from the date on which they were earned. Earn 1% for every dollar of qualifying net purchases. See footnote 1, above, for details on Net Purchases and Qualifying Purchases.

3 ACG Card Services provides zero fraud liability for unauthorized transactions. Cardholder must notify ACG Card Services promptly of any unauthorized use. Certain conditions and limitations may apply.

4 Cardmembers may redeem AAA Dollars earned in the AAA Dollars Mastercard Program for AAA Rewards Cards in four increments: 50 AAA Dollars earn a $60 AAA Rewards Card, 100 AAA Dollars earn a $120 AAA Rewards Card, 200 AAA Dollars earn a $250 AAA Rewards Card, and 500 AAA Dollars earn a $700 AAA Rewards Card. AAA Rewards Cards can be redeemed at participating AAA Clubs to purchase AAA Memberships and other products and services; exclusions may apply.

The creditor and issuer of this card is U.S. Bank NA dba ACG Card Services, pursuant to a license from Mastercard International Incorporated. Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.

© 2020 ACG Card Services. All Rights Reserved. Equal Credit Opportunity Lender.