AAA Dollars® Plus Mastercard®

Cash back on everyday purchases 1

The AAA Dollars Mastercard is the fastest way to earn cash back on qualifying purchases.1

AAA Dollars Card


Cash back*
Apply now and earn $150 cash back after spending $1,500 in qualifying purchases within the first 90 days


0% Intro APR† on Purchases and Balance Transfers for 12 Billing Cycles. After that a variable APR, currently 14.99% - 23.99%


cash back on travel and AAA Membership purchases1


cash back on gas station, grocery store and drugstore purchases1


cash back everywhere else1

No annual fee

Rewards can be redeemed for cash back,
merchandise, gift cards and more!

Earn Cash Back

Earn cash back on your upcoming travel, AAA membership dues and insurance purchases.

Stay Secure

With chip security and zero fraud liability2, you’ll appreciate the peace of mind that comes with a more secure way to pay, wherever you travel.

Easily Travel

Enjoy the added benefit of no foreign transaction fees when you travel outside the U.S.

Even more Bonus Rewards

When you redeem your AAA Dollars for a AAA value-enhanced Rewards Card, you’ll receive up to a 40% bonus!3

Take your cash back to the next level

APPLY NOW Terms and Conditions

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 150 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. The 150 AAA Dollars may be redeemed as a $150 cash deposit to a checking or savings Account or as a statement credit to your AAA Dollars Plus Mastercard or AAA Dollars Mastercard Account.

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 you 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. 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%.

2 ACG 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.

3 Cardmembers 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 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.

© 2020 ACG Card Services. All Rights Reserved. Equal Credit Opportunity Lender.

© 2020 AAA, All Rights Reserved