Annual Percentage Rate (APR)
We may change Annual Percentage Rates, fees, and other Account terms in the future based on your experience with ACG Card Services and its affiliates as provided under the Cardmember Agreement and applicable law.
† The 0% introductory APR applies to balance transfers made within 30 days of account opening. The introductory rate does not apply to cash advances. Balance Transfer Fee of 3% of each transfer amount, $10 minimum will apply. We apply your minimum payment to balances with lower APRs first, including promotional APRs. Amounts paid over the minimum payment will be applied in the order of highest to lowest APR balances.
*Cash back can be redeemed in the form of a statement credit or ACH deposit. To earn the one-time First Purchase Bonus of 25 AAA Dollars, you must first make a qualifying net purchase with your AAA Dollars Plus Mastercard or AAA Dollars Mastercard within 90 days after your Account is opened. You may earn an additional one-time Spend Bonus of 125 AAA Dollars if you spend at least $1,500 in qualifying Net Purchases on your Card within 90 days after your Account is opened. Net purchases are purchases minus credits and returns. Qualifying purchases do not include Advances (as defined in the Agreement, including wire transfers, travelers checks, money orders, foreign cash transactions, betting transactions, lottery tickets and ATM disbursements), convenience checks, balance transfers, unauthorized or fraudulent charges, overdraft advances, interest charges, fees, credit insurance charges, transactions to fund certain prepaid card products, U.S. Mint purchases, or transactions to purchase cash convertible items. AAA Dollars will be credited to your account 6 to 8 weeks after the 90-day period. AAA Dollars are not earned on business related transactions or activities.
1Account must be open and in good standing to earn and redeem rewards and benefits. Upon approval, please refer to your Cardmember Agreement for additional information. Net purchases are purchases minus credits and returns. Qualifying purchases do not include Advances (as defined in the Agreement, including wire transfers, travelers checks, money orders, foreign cash transactions, betting transactions, lottery tickets and ATM disbursements), convenience checks, balance transfers, unauthorized or fraudulent charges, overdraft advances, interest charges, fees, credit insurance charges, transactions to fund certain prepaid card products, U.S. Mint purchases, or transactions to purchase cash convertible items.
2 AAA Dollars are not earned on business related transactions or activities. You may not redeem AAA Dollars, and you will immediately lose all of your AAA Dollars, if your Account is closed to future transactions (including, but not limited to, due to Program misuse, failure to pay, bankruptcy, or death). AAA Dollars awarded but not redeemed will expire at 11:00 p.m. Central Time on the last day of the calendar quarter that is five (5) years from the date on which they were earned. Earn 3% per dollar for qualifying net purchases made with the card through any participating AAA Club when AAA is the merchant of record, on qualifying net insurance purchases (MCC = 6300) and at eligible retail travel merchants. See footnote 1, above, for details on Net Purchases and Qualifying Purchases. AAA Clubs located in Northern California, Nevada and Utah are not participating AAA Clubs and purchases made at those clubs will not qualify for 3%. Earn 2% per dollar for qualifying net purchases at gas stations, grocery stores and drug stores. Earn 1% per dollar on qualifying net purchases everywhere else. Purchases qualify for reward categories based on the category code merchants select to classify their business. ACG Card Services cannot control how merchants choose to classify their business and reserves the right to determine which purchases qualify.
3ACG Card Services provides zero fraud liability for unauthorized transactions. Cardholder must notify ACG Card Services promptly of any unauthorized use. Certain conditions and limitations may apply.
4Cardmember may redeem AAA Dollars earned in the AAA Dollars Mastercard Program for AAA Rewards Cards in four increments: 50 AAA Dollars earn a $60 AAA Rewards Card, 100 AAA Dollars earn a $120 AAA Rewards Card, 200 AAA Dollars earn a $250 AAA Rewards Card, and 500 AAA Dollars earn a $700 AAA Rewards Card. AAA Rewards Cards can be redeemed at participating AAA Clubs to purchase AAA Memberships and other products and services; exclusions may apply.
The creditor and issuer of this card is U.S. Bank NA dba ACG Card Services, pursuant to a license from Mastercard International Incorporated. Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.
© 2019 ACG Card Services. All Rights Reserved. Equal Credit Opportunity Lender.