Credit cards

Credit Cards

Thank you for choosing to apply for an AA Credit Card

The decision to approve your application is based on the information provided in the application form as well as external credit reference information. Before we start your online application, you will need the following to hand:

  • Your UK bank or building society account details
  • Any existing card numbers for balances that you wish to transfer
  • Your AA membership card (if you are a member*)

Please check through the below and confirm that all are true before you apply:

  • I am 18 years old or over
  • I am a UK resident (excluding the Channel Islands and the Isle of Man)
  • I have never had a County Court Judgement (CCJ) and have never been made bankrupt. 

Important information

This is a promotional offer, so if you pay late or go over your credit limit the 6.9% pa promotional rates will be withdrawn and you’ll be charged the standard balance and money transfer rates of 18.9% and 20.9% respectively on all transferred amounts.

You can use a balance transfer to pay off other credit and store cards. To settle other forms of finance you may have to make a money transfer into your current account and pay them from there.

Making a money transfer to your current account then using a debit card is an alternative way to pay for goods and services, but you won’t have the same protection under the Consumer Credit Act 1974 as paying by credit card. However, even with the 2% fee, a money transfer at the 6.9% pa promotional rate may still work out cheaper than paying with a higher interest rate credit card over the same period.

Transferring other debts to this card and paying only the minimum amount due each month may lower your overall monthly debt repayments, but it may take you longer and cost you more to repay what you owe. Paying the minimum may also cost you more than other forms of borrowing with fixed repayments over a fixed period. Other lenders may charge a fee for settling a loan early.

An outstanding introductory balance transfer and money transfer rate of just 6.9% pa until the transferred amounts are paid off. This rate is available on transfers made within the first 60 days of account opening. Handling fees of 2% (balance transfers) and 2% (money transfers) apply1.

Representative example 16.9% pa (variable) on card purchases. This is equivalent to 16.9% APR representative (variable) based on a credit limit of £1,200.

Apply for an AA Transfer Plus Credit Card

Apply now

* An AA member is defined as a 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.

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 promoted 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.

To apply by phone

0800 171 2036

Lines are open
Mon–Fri 8am–9pm,
Sat 9am–9pm,
Sun 9am–7pm