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NerdWallet > Rewards Credit Cards > AAA Credit Card - Visa
Review / Compare / Reward Calculations / Interest Calculations / Rankings / Comments
AAA Credit Card - Visa
Bank+of+America AAA+Member+Rewards+Visa+Credit+Card Credit Card

(3/5 - 43 Votes)
Net Annual Rewards
$211
of Bank of America WorldPoints
Reward Rate
0.80%
Annual Fee
$0
Signing Promo
None
APR, variable*
Min APR:
12.99%
Max APR:
20.99%
Default:
29.99%
Cash Adv:
24.99%
Intro APR Promotions
Purchase:
None
Transfer:
2.99% for 12 mos
Summary
  • Earn 1 point per $1 spent on purchases
  • 2x points on gas, grocery, and drug store purchases
  • 3x points on AAA purchases
  • Note that there is a different card issued by Chase for AAA members in Northern California, Nevada and Utah that offers different terms

Compare To Our Most Popular Cards For The Category

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Compare To Blue Cash Preferred℠ Card from American Express

Why do we think you should consider this card?

Earn $150 cash back after spending $1,000 in eligible purchases in the first 3 months of Cardmembership

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Reward Details & Calculator

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Rewards Type: Bank of America WorldPoints

Signing Promotion
$0
Estimated Annual Rewards
$21,600 * 0.98%
$211
Annual Fee, 2 yr avg
$0
Annual Rewards (Rewards less Fees)
$211

Calculate Interest & Finance Charges

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Use the sliders to the left to calculate balance transfer interest and APR interest for this particular card.

Finance Charge, Balance Transfer of $10,000*

Balance Transfer Fee, 4.0%
$400
Promo APR, First 12 months
$315
APR, 12 months
$1,478
Total
$2,193

*Average APR for Balance Transfers of 10.0% includes transfer fees and APR promotions.

Effective Annual Rate, Purchases

Promo EAR, 0 months
0.00%
Ongoing EAR, 24 months
13.79%
Total EAR, 24 months
13.79%

APR Rankings

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APR
12.99%
ranks #1162 out of 1751 cards.
Average is 11.78%.
Balance Transfer Fee
4%
ranks #1317 out of 1639 cards.
Average is 1.67%.
Cash Advance APR
24.99%
ranks #803 out of 1002 cards.
Average is 18.74%.

Rewards Rankings

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Annual Fee
$0
ranks #1 out of 1773 cards.
Average is $9.
Base Reward Rate
0.8%
ranks #873 out of 963 cards.
Average is 0.99%.
Effective Reward Rate
0.98%
ranks #867 out of 958 cards.
Average is 1.04%.
Sign-up Bonus
$0
ranks #1762 out of 1762 cards.
Average is $33.
Credit Card Review: AAA Credit Card - Visa


Author:
STEPHEN

If you’re a resident of NorCal, Nevada or Utah, the AAA credit card gives great gas rewards – 5% back anytime you fill up, for the first $500 you spend each month – plus 2% on AAA expenses and 1% back on everything else.

If you don’t live there, though, the rewards are nowhere as good. The card only earns 1% rewards on everything. You can find much better cards, especially for gas purchases. Check out our roundup of the best gas credit cards for a comprehensive list of ways you can do better. Among tour favorites: the AmEx Blue Cash Preferred, which gives 3% back on gas as well as 6% on groceries; the PenFed Platinum Cashback, which earns 5% on all gas and isn’t geographically restricted; and the BP credit card, which gives 5% on BP gas but has a fantastic 2x rewards promotion.

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