Credit Cards
Enjoy all the benefits
- 0% on balance transfers for 9 months from the date your account is opened (3% fee). To benefit your balance needs to be transferred within the first 90 days of your account opening.
- 0% on all card purchases for 12 months from the date your account is opened.2
- Earn AA Reward Points on your everyday card purchases, and earn double points on motoring, fuel and AA products. Use our AA Reward Points Calculator to see how your monthly spending can increase your points.3
- Earn up to 4% back. AA Members can earn the equivalent of 4% back on the AA Credit Card reward scheme when they redeem points earned on motoring or fuel spending, against other AA products.
- 18.9% APR typical rate (variable).
AA Members
Apply for an AA Member Credit Card and earn reward points faster
Not an AA Member?
You can still enjoy the benefits of an AA Credit Card
Plus
- Use your AA Reward Points to purchase from a range of motoring products and services, AA Home or Car Insurance, shopping vouchers, or choose to treat yourself with a day or night out.
- Alternatively, use your points to take up to 1% cash back on fuel purchases. If you're a Member, earn 1% cash back with an AA Member Credit Card, or earn 0.5% if you're not a member.
- 0% on money transfers from your credit card to your current account for 12 months (4% fee) for transfers made within 90 days of account opening.
- Manage your card with our online servicing, you can check your balance, transactions, view your pin or opt for paperless statements.
- It only takes a few minutes to apply online for an instant decision.4
Credit card tools and tips
- Read our guide on how to get the most out of your AA Credit Card whether you're transferring a balance or collecting reward points.
- With our balance transfer calculator find out how much you could save by switching to an AA Credit Card.
- Learn about AA Reward Points and see how much you could earn with our AA Reward Points Calculator. Find out how much you can get back from using your AA Credit Card.
Credit card forum
Latest credit card news 'Swappage' has taken over from the government-backed scrappage scheme, with some car-makers offering attractive cash incentives for owners of 8- to 10-year-old cars to trade them in for a brand new model. But according to AA Financial Services, buyers not used to car sales tactics could end up paying more than they bargain for. Read the full story
Credit card information
Find out even more about the new AA Credit Card with these useful links.
Glossary of terms Get the most from your card Comparing credit cards Cards FAQs Online servicing AA Reward Points Card benefits guide What people say about the AA Credit CardProducts & services
Find the right product or service from our product list.
Internet savings account Fixed-rate savings account Personal loansFinancial news
From the latest press releases to useful websites, this section gives up to date information and news.
Latest news from the AA Credit card press centre FSA regulatory bodyAA 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 Services Authority, registered number 525013. You can check this on the FSA's register by visiting the FSA's website www.fsa.gov.uk/register/.
The AA Credit Card is issued by MBNA Europe Bank Limited. Registered office: Stansfield House, Chester Business Park, Chester CH4 9QQ. Registered in England number 2783251. MBNA's consumer credit activities are licensed by the Office of Fair Trading (OFT) and MBNA's general insurance activities are authorised and regulated by the Financial Services Authority (FSA). To improve the quality of our service, we will monitor and/or record some telephone calls.
1 Transferred within 90 days from account opening.
2 If you have two or more promotional offers at the same rate, we will use your payments to reduce any promotional balance with the lowest standard rate last, even if this offer ends first. This could mean that any such balance may not have been reduced by the time the standard rate applies to it.
Promotional rates will no longer apply from the beginning of any statement period during which you have breached your terms and conditions.
3 Motoring purchases 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.
4 Instant decision is only available Monday to Thursday 8am to 8pm and Friday 8am to 5pm. If you apply out of hours you should hear from us within 10 working days.