Are you an AA member?  

Fuel spending per week £

Other spending per week £

Points earned in a year


£
£
Moneyfacts Awards 2013

Earn points every time you spend

  • Earn Reward points every time you buy fuel or everyday shopping with an AA Rewards Credit Card – see how we compare in the table below.
  • AA members earn Rewards points twice as fast. Just check out the calculator opposite.
  • Double points when you buy fuel – giving 1% cash back for members and 0.5% for non-members.
  • Use your Rewards points to buy AA products, cash back, vouchers and more.*
  • As a member, if you spend this year you could get AA Breakdown Cover next year – spending £35 a week on fuel and £45 a week on your weekly supermarket shop could earn enough points in a year to pay for AA Breakdown Cover.**

This card also comes with great rates

  • 0% for 10 months on all card purchases from the date your account is opened
  • 0% for 12 months from the date your account is opened, on balance transfers made in the first 90 days (3% fee)
  • 0% for 12 months from the date your account is opened, on all money transfers made within just 90 days (4% fee)
  • no annual fee

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 Rewards Credit Card

Apply now

Compare our Rewards Credit Card based on spending £1,000

  Spend in store
redeem in store
Spend out of store
redeem in store
Spend in store
redeem out of store
Spend out of store
redeem out of store
AA Member Rewards Credit Card £20 £10 £10 £5
AA Rewards Credit Card £10 £5 £5 £2.50
Tesco Clubcard Credit Card £2.50 £2.50 Up to £10 Up to £10
Sainsbury's Nectar Credit Card £10 £1 £10 £1
M&S Credit Card £10 £5 N/A N/A
John Lewis Credit Card £10 £5 N/A N/A

Correct as of 10 April 2014. Credit card reward scheme details taken from company websites and excludes special offers and promotions.

In-store is defined as the company's own product/store. Out of store spend is classed as spending/redemption through anywhere not classed as in store.

AA in-store calculation based on fuel/motoring/AA spending. AA in-store redemption based on AA products.

AA out of store redemption based on products such as cash back, shopping vouchers or any of the non-AA products available through the rewards platform.

Tesco Clubcard Credit card out of store redemption value varies on product dependant on current promotion. Calculation based on x4 value.

Tesco in store excludes Tesco fuel spending.

In-store earn rate for Sainsbury's is for the first two years only. Sainsbury's out of store redemption is for selected partners. Standard rate is 500 points = £2.50.

Marks & Spencer and John Lewis credit cards do not offer out of store redemption options.


* 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.

** Based on £57.74 for vehicle based roadside cover. Members would earn the equivalent to £60 to spend on AA products.

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.

The AA Credit Card is issued by MBNA Limited. Registered Office: Stansfield House, Chester Business Park, Chester CH4 9QQ. Registered in England and Wales under company number 02783251. Authorised and regulated by the Financial Conduct Authority. MBNA Limited is also authorised by the Financial Conduct Authority under the Payment Services Regulations 2009, Register Number: 204487 for the provision of payment services. Credit is available, subject to status, only to UK residents aged 18 or over.

Calls, online and/or smartphone sessions (eg completing an application) may be monitored and/or recorded for quality evaluation, training purposes and to ensure compliance with laws and regulations.

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 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.

Earning Reward points

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.

Are you an AA member?   

Spend

How much would you spend in a week?

Fuel spending per week £

Other spending per week £

Earn

This is how much you would earn in a year

  reward points

Choose

Your yearly points in pounds


 £
 £
Motoring spend

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.

Everyday spend

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.

How the points are worked out

  Motoring/fuel purchases Other purchases
Rewards Credit Card 1 point per £1 spent 1 point per £2 spent
Member Rewards Credit Card 2 points per £1 spent 1 point per £1 spent

Apply for an AA Rewards Credit Card

Apply now

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.

The AA Credit Card is issued by MBNA Limited. Registered Office: Stansfield House, Chester Business Park, Chester CH4 9QQ. Registered in England and Wales under company number 02783251. Authorised and regulated by the Financial Conduct Authority. MBNA Limited is also authorised by the Financial Conduct Authority under the Payment Services Regulations 2009, Register Number: 204487 for the provision of payment services. Credit is available, subject to status, only to UK residents aged 18 or over.

Calls, online and/or smartphone sessions (eg completing an application) may be monitored and/or recorded for quality evaluation, training purposes and to ensure compliance with laws and regulations.

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 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.

Thousands of Rewards to choose from

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 points to get your breakdown for free next year.

icon AA products

2,000 points = £20

  • Breakdown cover
  • Car and home insurance
  • European breakdown cover
  • Home Emergency Response
  • Books, maps and car essentials
  • Driving lessons
icon Cash back

2,000 points = £10

  • Cash back can be credited to your credit card account
  • Choose from £20, £30, £40, or £50 values
  • Redeem your points as frequently as you wish throughout the year
icon More Rewards

2,000 points = £10

  • Car accessories
  • Travel and leisure essentials
  • Home, DIY and garden
  • Outdoor toys
  • Photography and electronics
icon Shopping vouchers

2,000 points = £10

  • Available for a wide range of high street retailers, including Marks & Spencer, Boots and Debenhams
icon Treats

2,000 points = £10

  • Spa days
  • Experience days, including
    Lamborghini driving
  • Wine and other gift hampers

Apply for an AA Rewards Credit Card

Apply now

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.

The AA Credit Card is issued by MBNA Limited. Registered Office: Stansfield House, Chester Business Park, Chester CH4 9QQ. Registered in England and Wales under company number 02783251. Authorised and regulated by the Financial Conduct Authority. MBNA Limited is also authorised by the Financial Conduct Authority under the Payment Services Regulations 2009, Register Number: 204487 for the provision of payment services. Credit is available, subject to status, only to UK residents aged 18 or over.

Calls, online and/or smartphone sessions (eg completing an application) may be monitored and/or recorded for quality evaluation, training purposes and to ensure compliance with laws and regulations.

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 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.

Credit card fuel calculator

Use our fuel calculator to see how much you could earn, just think over a year these points can add up as cash back, or you could use points for shopping vouchers or to renew your AA membership.


The fuel for your journey will cost £0.00

Buy the fuel with an AA Rewards Credit Card and you could earn 0 points

Your AA Reward Points are worth:

  • £0.00 AA products
  • £0.00 High street shopping vouchers
  • £0.00 Cash back

Apply for an AA Rewards Credit Card

Apply now

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.

The AA Credit Card is issued by MBNA Limited. Registered Office: Stansfield House, Chester Business Park, Chester CH4 9QQ. Registered in England and Wales under company number 02783251. Authorised and regulated by the Financial Conduct Authority. MBNA Limited is also authorised by the Financial Conduct Authority under the Payment Services Regulations 2009, Register Number: 204487 for the provision of payment services. Credit is available, subject to status, only to UK residents aged 18 or over.

Calls, online and/or smartphone sessions (eg completing an application) may be monitored and/or recorded for quality evaluation, training purposes and to ensure compliance with laws and regulations.

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 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.

Benefits of the AA Rewards Credit Card

As well as the competitive rates and the chance to earn points as you spend, there are many other reasons why the AA Rewards Credit Card might be for you.

  • AA members enjoy enhanced rewards.
  • It only takes a few minutes to apply online for an instant decision.1
  • Apply for up to three extra cardholders absolutely free.2
  • Online card services so you can check your balance, or see how many reward points you've earned.
  • Shop online with complete confidence with password protection Verified by Visa.
  • UK-based call centre available 24 hours a day, 365 days a year.
  • Contactless payment technology.3
  • Free fraud protection.4
  • No annual fee.
  • 0% for 12 months from the date your account is opened, on all money transfers made within just 90 days (4% fee).

Apply for an AA Rewards Credit Card

Apply now

1 If you apply between the hours of 6am and midnight, Monday to Friday, or 6am to 9pm Saturday to Sunday, you could get an instant decision. Outside of these hours, or if your application is referred to a credit analyst for a final 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.

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.

The AA Credit Card is issued by MBNA Limited. Registered Office: Stansfield House, Chester Business Park, Chester CH4 9QQ. Registered in England and Wales under company number 02783251. Authorised and regulated by the Financial Conduct Authority. MBNA Limited is also authorised by the Financial Conduct Authority under the Payment Services Regulations 2009, Register Number: 204487 for the provision of payment services. Credit is available, subject to status, only to UK residents aged 18 or over.

Calls, online and/or smartphone sessions (eg completing an application) may be monitored and/or recorded for quality evaluation, training purposes and to ensure compliance with laws and regulations.

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 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.


Rewards Credit Card

Representative example

 

16.9% pa

(variable)

on card purchases

 

Equivalent to:

16.9% APR

representative (variable)

 

Based on a credit limit of

£1,200