How To Use the Spend and Earn Card

Your AA Spend and Earn MasterCard® Prepaid Card offers a unique way of benefiting from the AA Rewards Scheme, and is also a great way to manage your money. Simply load the card with funds and then use it in the same way as you would a debit card for your everyday shopping, earning AA Reward Points on all purchases, including double points on motoring*.

Your card is great for use when shopping online as it is not linked to a bank account, which helps reduce the risk of identity theft. And you can use your card to shop at millions of locations worldwide, including high street stores, by phone and by mail order – wherever you see the MasterCard acceptance mark.

There's no fee for card transactions made in the UK, and you can withdraw cash from over 1.5 million cash machines worldwide. See the full list of fees here.

How to top up your card

It's easy to top up your AA Spend and Earn MasterCard prepaid card and account:

  • Free loading by bank transfer. Log in to your account online and view the instructions by selecting the 'Top up' tab, and then choosing 'View bank transfer details'.
  • At Post Office branches. You can also top up at 12,000 Post Office® branches nationwide (99p fee). Find your nearest branch .
  • At PayPoint locations. Top up with cash at nearly 22,000 terminals located in newsagents, convenience stores, supermarkets, garages and off-licences near to you (fee 3% of load value). Find your nearest PayPoint.

Would you like to have your card topped up by a friend or family member? Contact our Customer Care to order an additional card for £4.99. You can hand it to a friend or family member and they will be able to top up your AA Spend and Earn Card at post office branches and PayPoint locations in the UK.

Note: You will need a £3,000 card limit to have your wages or benefits paid directly into your account. Cardholders with a £1,650 card limit can upgrade for free to a £3,000 limit. Call Customer Service to find out how.

Transfers from abroad
If you're transferring funds from abroad, your bank may ask you to quote the IBAN (International Bank Account Number) and BIC (Bank Identifier Code). Contact Customer Service to send you the details.

Top-up alerts
You can register for free top-up alerts by email or text (8p each) whenever cleared money is loaded onto your account.

* Motoring spending 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.

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.