AAA Credit Card from Chase

AAA Credit Card from Chase

on Chase's secure website

AAA Credit Card from Chase

AAA Credit Card from Chase

AAA Credit Card from Chase

on Chase's secure website

Card details

  • Earn 1 point per $1 spent on purchases

  • 5x on Gas, limited to the first $500 spent on gas each month

  • 2x on AAA Insurance and Membership Payments

  • There is a different version of the AAA card for people who do not live in Northern California, Nevada, or Utah, issued by Bank of America, with 2x points on gas, groceries, and drug stores

Rates, fees & offers

  • Annual fee

    $0

  • Rewards rate

    1.00%

  • Bonus offer

    None

  • Intro APR

    Purchase: None

    Transfer: 2.99% for 12 mos

  • Ongoing Apr

    Min APR: 13.74%, Variable

    Max APR: 21.74%, Variable

    Penalty APR: Up to 30.74%, Variable

    Cash Advance APR: 25.74%, Variable

  • Balance Transfer Fee

    4%

  • Foreign Transaction Fee

    2%

Recommended credit score

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NerdWallet Review

By NerdWallet

Rating Details

3

Editor's overall rating

Pros and Cons

Pros
  • No annual fee

  • 2.99% for 12 mos on transfers

Cons

    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.

    User Reviews

    Rating Details

    NerdWallet reviews are the result of independent research by our editorial team while cardholder reviews are contributions from independent users not affiliated with NerdWallet. Banks, issuers and credit card companies are not responsible for any content posted on the NerdWallet site, nor do they endorse or guarantee any posted comments or reviews.

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