Spend and Earn Card
The AA Spend and Earn MasterCard® Prepaid Card is a simple way to manage your money.*
Free card and no need for credit checks
The AA Spend and Earn Card is free, with no monthly fee and guaranteed availability for all customers, as credit checks are not needed.** You can also top up free by bank transfer, and we have waived the fee for making card purchases in the UK.
You can use the card for your everyday purchases in the same way as you would a debit card. The difference is that you load the card with cash before you shop, rather than paying for purchases afterwards.
You can use your AA Spend and Earn Card online and anywhere you see the MasterCard acceptance mark – over 30 million locations, including 1.5 million cash machines worldwide.
Manage your account
You can top up your card, download your statement, move funds and more – all online.
AA members
Apply for an AA Member Spend and Earn MasterCard Prepaid Card
Not an AA member?
You can still enjoy the benefits of an AA Spend and Earn MasterCard Prepaid Card
AA Spend and Earn Card
Find out more about the new AA Spend and Earn Card.
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Latest news from the AA FSA regulatory body* The prepaid card is an electronic money product and although it is a product regulated by the Financial Services Authority, it is not covered by the Financial Services Compensation Scheme. No other compensation scheme exists to cover losses claimed in connection with the prepaid card. This means that in the event that Wirecard Card Solutions Ltd becomes insolvent your funds may become valueless and unusable and as a result you may lose your money.
** Cardholders must be 18 years or over and UK residents
MasterCard and the MasterCard Brand Mark are registered trademarks of MasterCard International Inc. The card is issued by Wirecard Card Solutions Ltd ('WDCS') pursuant to licence by MasterCard International Inc. WDCS is authorised by the Financial Services Authority to conduct electronic money service activities under the Electronic Money Regulations 2011 (Ref: 900051).
The AA Spend and Earn MasterCard Prepaid Card is arranged by AA Financial Services Limited, registered in England and Wales number 912211. Registered Office: Fanum House, Basing View, Basingstoke, Hampshire RG21 4EA.