Get the Most from Your AA Credit Card

There are many reasons why customers decide to take out a credit card: to move an outstanding balance from another high-interest credit card, to make a large purchase such as a new sofa or home improvements, or simply to earn rewards or cash back for your credit card purchases.

The AA Credit Card has been designed to help for any of these reasons.

Balance transfers

Our promotional balance transfer rate allows you to move an outstanding balance from an existing credit card (not applicable from another MBNA card), store cards or overdrafts. You won't pay interest on your balance transfer for your introductory period. (Check the terms and conditions for details of your introductory offer; however, note that a handling fee will be charged).

Interest will be charged after your introductory period has expired, so to make the most of your card, transfer the balance as soon as your card arrives, and try to pay your balance off by the end of this period. Use our balance transfer calculator to see how much you could save with an AA Credit Card.

Purchases

If you are using your new AA Credit Card to make purchases, remember that you will pay 0% interest if the purchase is for AA products, motoring products and services, and fuel. Whenever you're at a garage filling your car with fuel or getting new tyres, use you AA Credit Card. Not only will you receive 0% interest for 10 months on these purchases, you'll also be earning double reward points that you can later redeem for products, or even cash back (note that cash back can only be taken on our fuel purchases).

Credit cards are great if you make online purchases. Some retailers only take payments from credit cards, so it's always handy to have one in your wallet. And a credit card is safer to carry around with you than cash – if your card is lost or stolen, we can stop and cancel the card within 24 hours.

Rewards

If you don't want to use your card to transfer balance, but you're interested in getting something back from your card, then it's worth finding out about AA Reward Points. We have developed a rewards programme that will benefit all types of customers. To earn rewards, simply use your credit card on everyday purchases. Over time your points will build up, and you can check your points through our online servicing facility.

You can redeem your points for a wide range of products and services. If you're a motorist, or like to travel, we have a range of motoring essentials and travel accessories. If motoring isn't your passion, your points can be used for shopping vouchers, an experience day, a case of wine, or you can redeem points for cash back.

To get the most from your rewards, use your credit card when you purchase fuel and an other motoring products and services – including your yearly service and MOT. You'll receive double reward points on these motoring purchases. Use our AA Reward Points Calculator to see how your monthly spending can increase your points.

AA Member?

If you're an AA Member, get even more from our AA Credit Card. This gives you double reward points – one point for every £1 spent, and double points on motoring, fuel and AA spending.

Use your card on your everyday spending and see the results

AA Member Credit Card – example one

6 months' food shopping at £75 a week
£1,950

1,950
AA Reward Points

 

6 months' fuel at £45 a week
£1,170

2,340
AA Reward Points

 

Total

4290
AA Reward Points

 

AA Car Insurance vouchers worth £80

4,000
AA Reward Points

 

Hitachi HDC camera

3,814
AA Reward Points

AA Member Credit Card – example two

MOT £50 one-off cost

100
AA Reward Points

 

12 months' fuel at £50 a week
£2,600

5,200
AA Reward Points

 

Total

5,300
AA Reward Points

 

Cash back worth £20

4,000
AA Reward Points

 

Shopping vouchers worth £50

5,000
AA Reward Points

 

Not an AA Member? There's still plenty you could save

AA Credit Card – example one

6 months' food shopping at £75 a week
£1,950

975
AA Reward Points

 

6 months' fuel at £45 a week
£1,170

1,170
AA Reward Points

 

AA Car Insurance

£681 one-off cost

681
AA Reward Points

 

Total

2,826
AA Reward Points

 

Shopping vouchers worth £25

2,500
AA Reward Points

AA Credit Card – example two

MOT
£50 one-off cost

50
AA Reward Points

 

12 months' fuel at £50 a week
£2,600

2,600
AA Reward Points

 

Total

2,650
AA Reward Points

 

AA Membership vouchers worth £50

2,500
AA Reward Points

Apply for an AA Credit Card

 

AA Members
Apply for an AA Member Credit Card and earn reward points faster

Apply now for AA Members

Not an AA Member?
You can still enjoy the benefits of an AA Credit Card

Apply now if you are not an AA Member