Earn cash back on
everyday purchases

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

  • $150

    Bonus cash back*
    Apply now and earn a one-time $150 cash back bonus after spending $1,500 in qualifying net purchases within the first 90 days

  • 0%

    0% Intro APR† on Purchases and Balance Transfers for 12 Billing Cycles. After that a variable APR, currently 15.74% - 25.74%

  • 3%

    cash back on travel and AAA Membership purchases2

  • 2%

    cash back on net gas stations, grocery store and drug store purchases2

  • 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 net purchases.

  • 0%

    0% Intro APR† on Purchases and Balance Transfers for 15 Billing Cycles. After that a variable APR, currently 14.74% - 25.74%

  • 1%

    cash back on everyday purchases2

  • No annual fee

    No annual fee

  • No annual fee

    No limit on the cash back you can earn**

Annual Percentage Rate (APR)

† 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.

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.

*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.

1 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. 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. AAA Dollars Mastercard: Earn 1% for every dollar of qualifying net purchases. See footnote 1, above, for details on Net Purchases and Qualifying Purchases. AAA Dollars Plus Mastercard: 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 retails travel merchants. 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 gas station, grocery store and drug store purchases. Earn 1% per dollar on qualifying net purchases everywhere else. See footnote 1, above, for details on qualifying Net Purchases. 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.

** Cash back can be redeemed in the form of a statement credit or ACH deposit.

The creditor and issuer of these cards 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.

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