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AAA Dollars® Plus Mastercard

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A AAA membership is required to apply for this card, and depending on where you live, this card may not be available to you or you may receive a different offer. You’ll get a long 0% intro APR period for purchases and balance transfers, and you can get up to a 40% bonus when you redeem your points for AAA gift cards.

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Our rating
Min. credit level: Fair
Annual Fee: $0
Regular APR: 15.74%–25.74% Variable
Intro Balance Transfer APR: 0% for 12 billing cycles
Intro Purchase APR: 0% for 12 billing cycles

AAA Dollars® Plus Mastercard

Our rating
Fair Min. credit level
$0 Annual Fee
Apply Now

Highlights & Features

Rewards

  • 3% cash back on:
    • AAA purchases
    • Travel
  • 2% cash back for:
    • Gas
    • Grocery
    • Drug stores
  • 1% cash back on all other qualifying purchases
  • Business-related purchases and activities are not eligible for cash back

INTRODUCTORY BONUS

25 AAA Dollars for making a purchase in the first 90 days; 125 AAA Dollars for spending $1,500 in the first 90 days

Balance Transfers

A balance transfer is a way to move credit card debt from one credit card to another with the goal of saving money on interest.

Intro Balance Transfer APR 0% for 12 billing cycles
Regular Balance Transfer APR 15.74%–25.74% Variable
Balance Transfer Fee 3%, $10 minimum
How to Transfer a Balance on a Credit Card

Fees

Penalty APR N/A
Late Fee Up to $39
Returned Payment Fee Up to $35
Additional Cards Annual Fee $0
Foreign Transaction Fee None
Learn About Types of Credit Card Fees

Cash Advances

Borrowing cash on your credit card is a cash advance. Cash advances usually come with very high fees. Even worse, cash advances can signal to lenders that you’re being irresponsible with money.

Cash Advance APR 27.74% Variable
Cash Advance Fee 5%, $10 minimum
How to Get a Cash Advance with a Credit Card
AAA Dollars® Plus Mastercard

Highlights

  • 3% cash back for qualifying AAA and travel purchases
  • 2% cash back for qualifying gas, grocery, and drug store purchases
  • 1% cash back for every other qualifying purchase
  • 0% intro APR for purchases and balance transfers for 12 billing cycles, then your rates will be 15.74%–25.74% Variable
  • 25 AAA Dollars for making a purchase in the first 90 days
  • 125 AAA Dollars for spending $1,500 in the first 90 days
  • World Mastercard or Platinum Mastercard benefits, depending on creditworthiness
  • No annual fee
ABOUT THE ISSUER

U.S. Bank

U.S. Bank has several card types depending on your needs.

Manage your Account & Pay your Bill

You can usually pay your bill online on your

Credit card issuer's website

Speak to Customer Service

1-800-328-4850 or

Try a different phone number
See all Issuer Cards

The AAA Dollars Plus Mastercard is limited to AAA members only.

Insider tip

This card may or may not be available to you, depending on where you live and which AAA club you have a membership with. When you visit the AAA website or go to apply for this card you may be asked to input your zip code. You could be given a different card offer after that.

There’s no annual fee, and no foreign transaction fees.

Cardholders get 3% cash back on eligible AAA and travel purchases, and 2% cash back at gas stations, grocery stores, and drug stores. You’ll also get a 0% intro APR for purchases and balance transfers for 12 billing cycles, then your rates will be 15.74%–25.74% Variable.

A signup bonus of up to 150 AAA Dollars is available:

  • 25 AAA Dollars for making a purchase in the first 90 days
  • 125 AAA Dollars for spending $1,500 in the first 90 days

Each AAA Dollar is worth $1 when redeemed for statement credits. But if you redeem for AAA gift cards you can get up to a 40% bonus. There are four gift card redemption options:

AAA Dollars Redeemed Value in AAA Gift Cards Bonus
50 $60 20%
100 $120 20%
200 $250 25%
500 $700 40%

This card is available as either a World Mastercard, with upgraded benefits, or a Platinum Mastercard, with basic benefits. You’ll first be considered for a World Mastercard. If your credit isn’t good enough, you’ll then be considered for a Platinum Mastercard.