You are more likely to be accepted for a credit card if you are over 23, have a clean credit history, and are earning over £15,000 a year.
Apply for an AA Balance Transfer Credit Card
Promotional rates will no longer apply from the beginning of any statement period during which you have breached your terms and conditions, for example if you haven't paid on time or have gone over your credit limit. You cannot transfer balances between MBNA accounts.
AA Financial Services Limited trading as AA is not an independent financial services provider and is acting as a credit intermediary and introduces customers to MBNA as its exclusive credit card partner.
* The redemption value of your points will vary depending on your choice of redemption items. Terms and conditions apply to the AA Rewards Points which will be sent to you on account opening.
APR stands for annual percentage rate.
The AA Credit Card is arranged by AA Financial Services Limited (AAFS), registered in England and Wales number 912211. Registered Office: Fanum House, Basing View, Basingstoke, Hampshire RG21 4EA. AAFS is an Appointed Representative of Automobile Association Insurance Services Limited, which is authorised and regulated by the Financial Conduct Authority, registered number 525013.
The AA Credit Card is issued by MBNA Limited. Registered Office: Stansfield House, Chester Business Park, Chester CH4 9QQ. Registered in England number 2783251. MBNA Limited is authorised by the Financial Conduct Authority under the Payment Services Regulations 2009, Register Number: 204487 for the provision of payment services, and authorised and regulated by the Financial Conduct Authority for general insurance business. MBNA's consumer credit activities are licensed by the Office of Fair Trading. Credit is available, subject to status, only to UK residents aged 18 or over. Calls may be monitored and/or recorded for quality and training purposes and for compliance with regulations.
Find out how much you could save by transferring existing balances on a higher-rate credit card or store card. Just enter your outstanding balances and the interest rate to calculate.
Apply for an AA Balance Transfer Credit Card
Promotional rates will no longer apply from the beginning of any statement period during which you have breached your terms and conditions, for example if you haven't paid on time or have gone over your credit limit. You cannot transfer balances between MBNA accounts.
AA Financial Services Limited trading as AA is not an independent financial services provider and is acting as a credit intermediary and introduces customers to MBNA as its exclusive Credit Card partner.
APR stands for annual percentage rate.
The AA Credit Card is arranged by AA Financial Services Limited (AAFS), registered in England and Wales number 912211. Registered Office: Fanum House, Basing View, Basingstoke, Hampshire RG21 4EA. AAFS is an Appointed Representative of Automobile Association Insurance Services Limited, which is authorised and regulated by the Financial Conduct Authority, registered number 525013.
The AA Credit Card is issued by MBNA Limited. Registered Office: Stansfield House, Chester Business Park, Chester CH4 9QQ. Registered in England number 2783251. MBNA Limited is authorised by the Financial Conduct Authority under the Payment Services Regulations 2009, Register Number: 204487 for the provision of payment services, and authorised and regulated by the Financial Conduct Authority for general insurance business. MBNA's consumer credit activities are licensed by the Office of Fair Trading. Credit is available, subject to status, only to UK residents aged 18 or over. Calls may be monitored and/or recorded for quality and training purposes and for compliance with regulations.
As well as a great rate for your balance transfers, the card comes with our generous Rewards scheme as standard. Use this calculator to select how much you would normally spend on a weekly basis on fuel, travel or shopping and it will show you how many points you can earn in a year. Then choose how you might like to use those points and it will show what your points would be worth.
This includes purchases from any car garage (eg for parts, repairs, servicing, MOT testing); fuel purchases (diesel, petrol or LPG Autogas) from any fuel stations including supermarkets; AA products and services purchased directly from the AA.
This is all other spending that you would want to make on your AA Credit Card. It could include anything from food and clothes shopping, nights out or paying for a holiday
| Motoring/fuel purchases | Other purchases | |
| Balance Transfer Credit Card | 1 point per £1 spent | 1 point per £2 spent |
| Member Balance Transfer Credit Card | 2 points per £1 spent | 1 point per £1 spent |
Apply for an AA Balance Transfer Credit Card
Promotional rates will no longer apply from the beginning of any statement period during which you have breached your terms and conditions, for example if you haven't paid on time or have gone over your credit limit. You cannot transfer balances between MBNA accounts.
AA Financial Services Limited trading as AA is not an independent financial services provider and is acting as a credit intermediary and introduces customers to MBNA as its exclusive credit card partner.
An AA member is defined as holder of a current, valid breakdown policy purchased directly from the AA, or holder of a Member Rewards card through your insurance or other AA policy.
APR stands for annual percentage rate.
The AA Credit Card is arranged by AA Financial Services Limited (AAFS), registered in England and Wales number 912211. Registered Office: Fanum House, Basing View, Basingstoke, Hampshire RG21 4EA. AAFS is an Appointed Representative of Automobile Association Insurance Services Limited, which is authorised and regulated by the Financial Conduct Authority, registered number 525013.
The AA Credit Card is issued by MBNA Limited. Registered Office: Stansfield House, Chester Business Park, Chester CH4 9QQ. Registered in England number 2783251. MBNA Limited is authorised by the Financial Conduct Authority under the Payment Services Regulations 2009, Register Number: 204487 for the provision of payment services, and authorised and regulated by the Financial Conduct Authority for general insurance business. MBNA's consumer credit activities are licensed by the Office of Fair Trading. Credit is available, subject to status, only to UK residents aged 18 or over. Calls may be monitored and/or recorded for quality and training purposes and for compliance with regulations.
Once you have started earning your Rewards points you can choose to spend them on any of the below, as often as you like. You could earn enough to get your breakdown cover free next year.
AA products2,000 points = £20
Cash back2,000 points = £10
More Rewards2,000 points = £10
Shopping vouchers2,000 points = £10
Treats2,000 points = £10
Apply for an AA Balance Transfer Credit Card
When you want to redeem your points, log into your Online Card Services account. In the 'Rewards' box, choose 'Redeem your points' to see the Rewards available. You can order online in minutes.
Promotional rates will no longer apply from the beginning of any statement period during which you have breached your terms and conditions, for example if you haven't paid on time or have gone over your credit limit. You cannot transfer balances between MBNA accounts.
AA Financial Services Limited trading as AA is not an independent financial services provider and is acting as a credit intermediary and introduces customers to MBNA as its exclusive credit card partner.
APR stands for annual percentage rate.
The AA Credit Card is arranged by AA Financial Services Limited (AAFS), registered in England and Wales number 912211. Registered Office: Fanum House, Basing View, Basingstoke, Hampshire RG21 4EA. AAFS is an Appointed Representative of Automobile Association Insurance Services Limited, which is authorised and regulated by the Financial Conduct Authority, registered number 525013.
The AA Credit Card is issued by MBNA Limited. Registered Office: Stansfield House, Chester Business Park, Chester CH4 9QQ. Registered in England number 2783251. MBNA Limited is authorised by the Financial Conduct Authority under the Payment Services Regulations 2009, Register Number: 204487 for the provision of payment services, and authorised and regulated by the Financial Conduct Authority for general insurance business. MBNA's consumer credit activities are licensed by the Office of Fair Trading. Credit is available, subject to status, only to UK residents aged 18 or over. Calls may be monitored and/or recorded for quality and training purposes and for compliance with regulations.
Apply for a Balance Transfer Credit Card
Promotional rates will no longer apply from the beginning of any statement period during which you have breached your terms and conditions, for example if you haven't paid on time or have gone over your credit limit. You cannot transfer balances between MBNA accounts.
AA Financial Services Limited trading as AA is not an independent financial services provider and is acting as a credit intermediary and introduces customers to MBNA as its exclusive credit card partner.
1 The majority of our decisions are automated and provide an instant response. Therefore, if you apply online between 8am and 8pm Monday to Thursday, 8am and 5pm on Friday, you could get an instant decision. For all other applications, if we need any extra information to help us make a decision we'll be in touch as soon as possible.
2 Any additional cardholder(s) must reside at the same primary address and have a relationship of close family member (defined as: spouse, child, parent, sibling or domestic partner).
3 Contactless payment means you don't need to insert your card or enter your PIN, so the transaction is much quicker for purchases of £20 and under. Wherever you see the contactless symbol, just hold your credit card up to the reader and wait for the green light.
4 You must call us as soon as the card cannot be found or if you notice any unusual transactions on your account.
APR stands for annual percentage rate.
The AA Credit Card is arranged by AA Financial Services Limited (AAFS), registered in England and Wales number 912211. Registered Office: Fanum House, Basing View, Basingstoke, Hampshire RG21 4EA. AAFS is an Appointed Representative of Automobile Association Insurance Services Limited, which is authorised and regulated by the Financial Conduct Authority, registered number 525013.
The AA Credit Card is issued by MBNA Limited. Registered Office: Stansfield House, Chester Business Park, Chester CH4 9QQ. Registered in England number 2783251. MBNA Limited is authorised by the Financial Conduct Authority under the Payment Services Regulations 2009, Register Number: 204487 for the provision of payment services, and authorised and regulated by the Financial Conduct Authority for general insurance business. MBNA's consumer credit activities are licensed by the Office of Fair Trading. Credit is available, subject to status, only to UK residents aged 18 or over. Calls may be monitored and/or recorded for quality and training purposes and for compliance with regulations.
Balance Transfer
Credit Card
Representative example
17.9% pa
(variable)
on card purchases
Equivalent to:
17.9% APR
representative (variable)
Based on a credit limit of
£1,200
Credit limit will vary based on your individual circumstances
