Cash back on
everyday purchases1

Earn 3% cash back on travel, insurance and AAA Membership purchases, 2% cash back on qualifying gas station, grocery store and drug store purchases. Plus earn 1% cash back everywhere else.

  • $100

    Cash back*
    Apply now and earn $100 cash back after spending $1,500 in qualifying purchases within the first 90 days

  • 3%

    cash back on travel, insurance and AAA Membership purchases1

  • 2%

    cash back on qualifying gas stations, grocery store and drug store purchases1

  • 1%

    Maximize your cash back by earning 1% on all your other eligible purchases.

  • No annual fee and no foreign transaction fees

    No annual fee and no foreign transaction fees

Save on purchases and balance transfers with a low APR

Enjoy a low intro rate, exclusively for AAA Members with the AAA Dollars® Mastercard®. Plus, earn cash back on qualifying purchases.

  • 0%

    0% Intro APR† on Purchases and Balance Transfers for 15 Billing Cycles. After that a variable APR, currently 14.99% - 24.99%

  • 1%

    cash back on everyday purchases1

  • No annual fee

    No annual fee

  • No annual fee

    No limit on the cash back you can earn1

Annual Percentage Rate (APR)

We may change APRs, 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.

*You may earn a one-time Spend Bonus of 100 AAA Dollars if you spend at least $1,500 in qualifying Net Purchases on your Card within 90 days after your Account is opened. 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. The 100 AAA Dollars may be redeemed as a $100 cash deposit to a checking or savings account or as a statement credit to your AAA Dollars Plus Mastercard.

1 Cash back can be redeemed in the form of a statement credit or ACH deposit. 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 are earned. Account 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. Rewards are earned on eligible net purchases. Net purchases are purchases minus credits and returns. Not all transactions are eligible to earn rewards, such as Advances, Balance Transfers, and Convenience Checks and other advance transactions as defined in the Cardmember Agreement, as well as interest charges and fees do not qualify. U.S. Bank cannot control how merchants classify their business or transactions and reserves the right to determine which purchases will qualify in which category. AAA Dollars Plus: 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. Effective January 1, 2022, you'll earn 3% per dollar on the first $8,000 you spend on qualifying net travel, insurance, and AAA purchases annually. After that, you'll earn 1% per dollar. 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%.

The creditor and issuer of these cards in 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.

© 2021 ACG Card Services. All Rights Reserved. Equal Credit Opportunity Lender.

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