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We may change APRs, fees, and other Account terms in the future based on your experience with U.S. Bank National Association and its affiliates as provided under the Cardmember Agreement and applicable law.
There are two AAA Dollars Mastercards: the AAA Dollars World Mastercard and the AAA Dollars Platinum Mastercard. You will first be considered for the AAA Dollars World Mastercard. If you do not qualify for the AAA Dollars World Mastercard, you will be considered for the AAA Dollars Platinum Mastercard which may not offer the same AAA Dollars World Mastercard benefits. These cards have different terms as shown on the Disclosure of Credit Card Terms below.
Interest Rates and Interest Charges | AAA Dollars® World Mastercard® and AAA Dollars® Platinum Mastercard® |
Annual Percentage Rate (APR) for Purchases | 0% introductory APR for the first 12 billing cycles. After that,AAA Dollars® World Mastercard®: 14.49% AAA Dollars® Platinum Mastercard®: 19.49% to 25.49% based on your creditworthiness when you open your account. This APR will vary with the market based on the Prime Rate. |
APR for Balance Transfers | 0% introductory APR for the first 12 billing cycles for balances transferred within 30 days from account opening. After that,AAA Dollars® World Mastercard®: 14.49% AAA Dollars® Platinum Mastercard®: 19.49% to 25.49% based on your creditworthiness when you open your account. This APR will vary with the market based on the Prime Rate. |
APR for Cash Advances | AAA Dollars® World Mastercard®: 27.49% AAA Dollars® Platinum Mastercard®: 27.49% This APR will vary with the market based on the Prime Rate. |
Penalty APR and When it Applies | Not applicable |
How to Avoid Paying Interest on Purchases | Your due date is 24 - 30 days after the close of each billing cycle. We will not charge you interest on purchases if you pay your entire balance by the due date each month. |
Minimum Interest Charge | If you are charged interest, the charge will be no less than $2. |
For Credit Card Tips from the Consumer Financial Protection Bureau | To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at http://www.consumerfinance.gov/learnmore |
Fees | AAA Dollars® World Mastercard® and AAA Dollars® Platinum Mastercard® |
Annual Fee | |
• Annual Membership Fee
|
None |
Transaction Fees | |
•
Balance Transfer
|
Either 3% of the amount of each transfer or $10 minimum, whichever is greater. |
•
Convenience Check Cash Advance1
|
Either 3% of the amount of each advance or $10 minimum, whichever is greater. |
•
Cash Advance ATM
|
Either 5% of the amount of each advance or $10 minimum, whichever is greater. |
•
Cash Advance
|
Either 5% of the amount of each advance or $10 minimum, whichever is greater. |
•
Cash Equivalent Advance
|
Either 5% of the amount of each advance or $10 minimum, whichever is greater. |
•
Overdraft Protection
|
None |
•
Foreign Transaction
|
2% of each foreign transaction |
Penalty Fees | |
•
Late Payment
|
Up to $38 |
•
Returned Payment
|
Up to $35 |
•
Overlimit
|
None |
Participation in AAA Membership is subject to the terms and conditions of the AAA Membership agreement. AAA may change the AAA Membership rules, program partners, regulations, benefits or conditions of participation, in whole or in part, at any time with or without notice.
Account must be open and in good standing to earn and redeem rewards and benefits. Upon approval, refer to your Rewards Program Rules for additional information.
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 1% for every dollar of qualifying Net Purchases. Qualifying net purchases are all retail purchases less credits, returns and adjustments ("net purchases") charged to the card each billing cycle. AAA Dollars credited for qualifying net purchases made with your Account will be available through the online Account service. ACG Card Services cannot control how merchants choose to classify their business and reserves the right to determine which purchases qualify.
You will not earn AAA Dollars for Advance transactions, such as cash advances, cash equivalent advances, cash advances requested through telephone transfers, ATM transactions, traveler’s check purchases, balance transfers, or access check or convenience check transactions, and other Advances as defined in the Cardmember Agreement. AAA Dollars do not accumulate for unauthorized Account transactions or for Account fees or other charges of any kind, such as interest charges, late payment fees, annual fees, or any related services charges. AAA Dollars may not accumulate, and may be reversed, for Account transactions that are business related transactions or activities. AAA Dollars will accumulate for personal transactions only. AAA Dollars will not accumulate if an Account is not in good standing under the terms of your Cardmember Agreement. We may decide in our sole discretion which transactions qualify for AAA Dollars, now and in the future.
There is no cap to the number of AAA Dollars that may accumulate in any monthly billing cycle (subject to the amount of credit available on the Account). AAA Dollars are considered earned when they are posted to the redemption system. Accounts will be updated monthly. AAA Dollars may take up to 60 days to be posted following a qualifying purchase. AAA Dollars cannot be earned for Net Purchases until an Account has been established. No retroactive credit will be given for prior purchases. AAA Dollars from different Accounts will not be automatically pooled into one Account. AAA Dollars cannot be used in conjunction with other frequency or reward programs.
The complete range and variety of available rewards including AAA Gift Cards, merchandise rewards, cash back in the form of a statement credit, gift certificate/gift card Rewards from popular merchants, and any other program rewards, and the number of AAA Dollars needed to obtain each reward is described in the Program Rewards Schedule. ACG Card Services and/or third party vendors may change or terminate participating merchants, withdraw, limit, modify, or cancel any rewards, or increase the number of AAA Dollars required for any reward at any time without advance notice, even though such changes may affect the accrual or value of AAA Dollars or rewards.
You may only redeem AAA Dollars for rewards if the outstanding balance of your Account is below its credit limit and if your Account is open and in good standing under the terms of your Cardmember Agreement. All AAA Dollars redemptions are final. AAA Dollars are not redeemable for cash and cannot be used as payment for obligations owed to ACG Card Services (except as a permissible statement credit as part of these rules) or its affiliates. There are no refunds, exchanges, replacements or conversions for currency, credits, other AAA Dollars or rewards for unused portions or rewards.
We reserve the right to verify and adjust AAA Dollars at any time before or after posting any redemption. Once you or we close an Account for any reason, all accumulated AAA Dollars earned through your AAA Dollars Mastercard are forfeited.
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. AAA Dollars are redeemed or expire on a first-in, first-out basis, so that the AAA Dollars you earned are used or will expire first before later earned AAA Dollars.
The creditor and issuer of the AAA Dollars Mastercard 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.