Get the most out of your AAA credit card. This page answers common questions about applying, accessing your account online, earning and redeeming Cashback rewards, and managing your billing and payments.
AAA Credit Card
How do I access my AAA Credit Card Account online?
You can access the AAA Cashback Visa, AAA Dollars® Visa® and AAA Dollars® Plus Visa® account at the link below:
https://www.creditcard.acg.aaa.com/onlineCard/login.do You can always access the above link by clicking on Manage My Credit Card from the drop down menu under Banking.
Can I use the AAA Visa only at AAA, or can I use it anywhere?
The AAA Visa works just like any other Visa for purchases at the millions of places that accept Visa. And you earn Cash Back on qualifying net purchases no matter where you use your card, whether it's for grocery stores, gas stations, travel or purchases at AAA.
Can an authorized user or co-owner be added to an account?
If the member applied via POC ILA or Text to Apply, an authorized user or co-owner can be added to the account two business days following date of application by calling Cardmember Service. If the member applies online, they can add an authorized user or co-owners at that time.
Cashback
Can I still get the AAA Cashback Visa even if I am not a current AAA Member?
The AAA Cashback Visa is an exclusive benefit for AAA Members. If you’re not currently a member, click here to start your membership process.
How can I check the status of my AAA Cashback Visa application?
Please call 800.947.1444 for the status of an application. For your security, you will be required to enter your social security number to locate the application. Additional verification item(s) may be needed to validate.
How long will it take to receive my AAA Cashback Visa card?
In most cases, when applying online you will receive the status of your application within two business days. If you are approved, your card will arrive in 7-10 business days. Length of time varies depending on individual credit status, address verification and card processing time.
When do my Cash Back rewards expire?
Cash back 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.
How do I redeem my AAA credit card rewards/cash back?
Log in to Credit Card Online Account Servicing site, or call 800.328.4850 to redeem your AAA Dollars.
Can applicants redeem for cash back and other options?
Yes, members can redeem for cash back (deposited into their account or as a statement credit), gift cards or merchandise. Statement credits are issued via a credit to their Account by accessing the Rewards Center at acgcardservices.com. A credit will be applied to their Account within 6-8 weeks.
Can I combine my AAA Dollars earned through my AAA Membership with rewards earned through the AAA Cashback Visa program?
No. AAA Dollars earned outside of the credit card program cannot be pooled with rewards earned through the AAA Cashback Visa or other AAA Visa credit cards.
Do Uber or taxi charges earn 2% with the AAA Cashback Card?
No, 2% is only earned on rental cars and non-commuter rail.
Do cardmembers earn 2% on drug store purchases with the AAA Cashback Card?
No, drug store purchases earn 1%.
If a credit freeze is in place, can a member still apply for the AAA Cashback Card?
A member must first remove the freeze from all three of the credit bureaus; member can then apply and add the freeze back on to the three bureaus.
If AAA Cashback Card cardmembers shop at the AAA.com online mall, will they earn 2%?
No, they will not earn 2% because the cardmembers would be directed to the retailer’s site and each retailer accepts the payment, not AAA.
How do cardmembers know if they have cash back about to expire?
Cardmembers’ monthly credit card statements, as well as quarterly rewards mailers, indicate the amount of rewards that are about to expire.
Do you need to be a member of AAA in the ACG footprint to apply for the AAA Cashback Card?
Yes, AAA Membership in the ACG footprint is required to apply for the AAA Cashback Card. Once the credit card account is opened it will remain open even if the AAA Membership is canceled. Members from Colorado and the Carolinas are permitted to apply for the AAA Cashback Card.
What are the special introductory offers for the AAA Cashback Card?
Up to 4% cash back – on qualifying AAA purchases, travel and insurance for the first 6 months up to $6,000. After that you’ll earn unlimited cash back in the standard 2% category. Earn $100 cash back! Earn $100 cash back after spending $1,500 in qualifying purchases within the first 90 days of account opening.
Can a member from another club apply for the AAA Cashback Card?
No, a member cannot apply if they are part of another club. Member must be a member of ACG with 14 state footprint.
What are the AAA Cashback Card rewards?
This is the card for members who love to earn unlimited cash back.
3% Everyday SpendingGrocery stores, gas stations and dining
2% AAA + Travel + InsuranceAAA Membership, travel and insurance
1% Everything ElseAll other qualifying spend
Billing and Payments
Can I see my AAA Visa billing statement online?
Yes. You can access your AAA Visa account information via Credit Card Online Account Servicing site. Login to your account and click View Online Statements. Not enrolled yet? Enroll today!
Whom should I contact with general questions or questions about my AAA Visa credit card?
Call Cardmember Service 24/7 at 800.328.4850 with any questions about your AAA Credit Card.
What address should I send my credit card payments to?
Send payments to:
Cardmember Service
P.O.
Box 790408
St. Louis, MO 63179-0408
Send overnight payments to:
Cardmember Service
Attn: 790408
824 N 11th St.
St. Louis, MO 63101-1016
Is there an annual fee with the AAA Visa cards?
There is no annual fee.
What insurance transactions earn 2%?
All qualifying AAA insurance and non AAA insurance policies with Merchant Category Code of 6300 will earn 2%.
What is the Underwriting phone number?
Please call 800.947.1444 for any underwriting inquiries.