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AAA Dollars® Plus World MasterCard® Terms and Conditions
IMPORTANT INFORMATION ABOUT PROCEDURES FOR OPENING A NEW ACCOUNT: To help the government fight the funding of terrorism and money laundering activities, federal law requires all financial institutions to obtain, verify and record information that identifies each person who opens an account. What this means for you: When you open an account, we will ask you for your name, physical address, date of birth and other information that will allow us to identify you. We may ask to see your driver’s license or other identifying documents.

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.

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.

There are two AAA Dollars Plus MasterCards: the AAA Dollars Plus World MasterCard and the AAA Dollars Plus Platinum MasterCard. You will first be considered for the World Plus MasterCard. If you do not qualify for the World Plus MasterCard, you will be considered for the Platinum MasterCard which may not earn the same MasterCard World Plus benefits.

Disclosure of Credit Card Terms
Interest Rates and Interest Charges AAA Dollars® Plus World MasterCard®
Annual Percentage Rate (APR) for Purchases AAA Dollars® Plus World MasterCard®: 14.74% to 24.74% based on your creditworthiness when you open your account.
AAA Dollars® Plus Platinum MasterCard®: 20.74% to 24.74% 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 AAA Dollars® Plus World MasterCard®: 14.74% to 24.74% based on your creditworthiness when you open your account.
AAA Dollars® Plus Platinum MasterCard®: 20.74% to 24.74% 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® Plus World MasterCard®: 26.74%
AAA Dollars® Plus Platinum MasterCard®: 26.74%
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® Plus World 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 Advance
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
None
Penalty Fees
Late Payment
Up to $37
Returned Payment
Up to $35
Overlimit
None
How We Will Calculate Your Balance: We use a method called 'average daily balance (including new purchases)'. See your Cardmember Agreement for more details.
Billing Rights:  Information on your rights to dispute transactions and how to exercise those rights is provided in your Cardmember Agreement. 
The information about the costs of the card described in this application is accurate as of 03/2017. This information may have changed after this date. To find out what may have changed, call us at 1-800-328-4850 (we accept relay calls) or write to us at P.O. Box 6374, Fargo, ND 58125-6374.
How Variable Interest Rates Are Determined: After the introductory period, your interest rate is a variable rate and is determined by a combination of the Prime Rate (which may vary) added to a margin (which does not change). Because the Prime Rate may vary, your variable interest rate will go up or down if the Prime Rate changes. If you are granted an Account, the following rates on the Account are variable: Non-Introductory Purchase Rate; Non-Introductory Balance Transfer Rate; Cash Advance Rate. More information is available in the Cardmember Agreement.
Notice to New York Residents: You may contact the New York state department of financial services by telephone at (800) 342-3736 or visit its website at www.dfs.ny.gov for free information on comparative credit card rates, fees and interest-free periods.
Notice to California Residents: An applicant, if married, may apply for a separate account.
Notice to Married Wisconsin Residents: No provision of any marital property agreement, unilateral statement under section 766.59 of the Wisconsin statutes or court decree under section 766.70, adversely affects our interest unless we, prior to the time the credit is granted or an open-end credit plan is entered into, are furnished a copy of the agreement, decree or court order, or have actual knowledge of the adverse provision. IF YOU ARE A MARRIED WISCONSIN RESIDENT, CREDIT EXTENDED UNDER THIS ACCOUNT WILL BE INCURRED IN THE INTEREST OF YOUR MARRIAGE OR FAMILY.
Notice to Ohio Residents: The Ohio laws against discrimination require that all creditors make credit equally available to all creditworthy customers, and that credit reporting agencies maintain separate credit histories on each individual upon request. The Ohio Civil Rights Commission administers compliance with this law.
By submitting this application, you understand and agree that U.S. Bank NA dba ACG Card Services ("we, "us" or "our), as the creditor and issuer of your Account, will rely on the information provided here in making this credit decision, and you certify that such information is accurate and complete to the best of your knowledge. If we open an Account based on this application, you will be individually liable (or, for joint accounts, individually and jointly liable) for all authorized charges and for all fees referred to in the most recent Cardmember Agreement, which may be amended from time to time. We may request consumer credit reports about you for evaluating this application and in the future for reviewing Account credit limits, for Account renewal, for servicing and collection purposes, and for other legitimate purposes associated with your Account. Upon your request, we will inform you if a consumer report was requested and, if it was, provide you with the name and address of the consumer reporting agency that furnished the report. By providing us with a telephone number for a cellular phone or wireless device, including a number that you later convert to a cellular number, you are expressly consenting to receiving communications—including but not limited to prerecorded or artificial voice message calls, text messages, and calls made by an automatic telephone dialing system—from us and our affiliates and agents at that number. This express consent applies to each such telephone number that you provide to us now or in the future and permits such calls for non-marketing purposes. Calls and messages may incur access fees from your cellular provider. By submitting this application, you also agree that we may verify your employment, income, address and all other information provided with other creditors, credit reporting agencies, employers, third parties, and through records maintained by federal and state agencies (including any state motor vehicle department) and waive any rights of confidentiality you may have in that information under applicable law. If you are granted an account, you understand and agree that we will report that fact, your name, address, phone number and information about your ongoing account activity to Auto Club Group and its affiliates, but will not disclose to Auto Club Group or its affiliates any other information about you taken from this application or received from third parties. There are two AAA Dollars Plus MasterCards: the AAA Dollars Plus World MasterCard and the AAA Dollars Plus Platinum MasterCard. You will first be considered for the World Plus MasterCard. If you do not qualify for the World Plus MasterCard, you will be considered for the Platinum MasterCard which may not earn the same MasterCard World Plus benefits. You certify that you have read and understood the disclosures here and agree to the terms of this application.

EXPANDED ACCOUNT ACCESS: Any Card or PIN issued to or selected by you under this Agreement can be used to access multiple checking, savings, line of credit and credit card account(s) held in your name with us or our bank affiliates; and any account you open with us and our affiliates may be accessed by the Card or PIN issued under this Agreement now or in the future. “Expanded Account Access” means use of a card or account number and PIN to conduct a transaction or obtain information at ATMs, over the telephone, through personal computer banking, or via any other available method. If the Card or PIN is for a joint account, the Card or PIN can be used to access all the accounts linked to the Card or PIN Access, whether joint or individual. There are no additional fees or charges for Expanded Account Access, but fees applicable to each applicable account will continue to apply in accordance with the terms of the applicable account agreements. Call Cardmember Service at 800-328-4850 to cancel Expanded Account Access, allowing a reasonable time for cancellation to become effective. If you cancel Expanded Account Access for any account, this Account will not be accessible by any card or PIN other than the Card or PIN issued under this Agreement.


AAA Dollars® Plus Rewards Program Summary:

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.

Earn 1% for every dollar of qualifying purchases. Qualifying purchases are all retail purchases less credits, returns and adjustments ("Net Purchases") charged to the card each billing cycle. Earn 2% per dollar for Net Purchases made with the card at any eligible gas, grocery or drug store merchant. Eligible merchants are merchants who classify their business in one of the following categories: (a) Gas; (b) Grocery Stores; and (c) Pharmacy. Earn 3% per dollar for Net Purchases made with the card through any participating AAA Club when AAA is the merchant of record, or at eligible retail travel merchants. Eligible travel merchants classify their business in one of the following categories: (a) Airlines; (b) Car Rental Agencies; (c) Hotels, Motels, Inns and Resorts; (d) Steamship/Cruise Lines; (e) Tour Companies; (f) Participating Non-commuter Rail; and (g) Travel Agencies. AAA Dollars credited for 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 Clubs located in Northern California, Nevada and Utah are not participating AAA Clubs and purchases made at those clubs will not qualify for 3%. In addition, the following types of transactions will not qualify to receive 3%: commuter/subway rail purchases of any sort; insurance purchases made through any AAA Club or Club-affiliated insurance agency for policies which are not underwritten by an insurance company owned by or affiliated with a AAA Club; and automobile extended warranties, trip insurance or any other services that are purchased through a participating AAA Club but are provided by a third party merchant. 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 Plus 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 of MasterCard International Incorporated.

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