For information about the rates, fees, other costs and benefits associated with the use of this card or to apply, click on Apply Now and refer to the disclosures accompanying the online credit card application.
*Earn 1 point per dollar of new net retail purchase transactions (qualifying purchases less credits, returns, and adjustments) ("Net Purchases") charged to the card each billing cycle. Earn 2 points per dollar (consisting of 1 base point and 1 bonus point) for Net Purchases made with the card at any eligible gas, grocery or pharmacy retail merchant categories as designated by us. Eligible merchants and their associated Merchant Category Codes ("MCC") are the following: (a) Gas Stations (MCC codes 5541 and 5542); (b) Grocery Stores (MCC codes 5411, 5422, 5441, 5451, 5462, and 5499); and (c) Pharmacy Stores (MCC codes 5122 and 5912). Purchases made at merchants that do not process transactions under these codes will not qualify to receive double points. Earn 3 points per dollar (consisting of 1 base point and 2 bonus points) for Net Purchases made with the card through any participating AAA Club when AAA is the merchant of record, or at eligible retail travel merchant categories as designated by us. Eligible travel Merchant Category Codes ("MCC") are the following: (a) Airlines (MCC codes 3000-3299, and 4511); (b) Car Rental Agencies (MCC codes 3351-3441, and 7512); (c) Hotels, Motels, Inns and Resorts (MCC codes 3501-3999, and 7011); (d) Cruise Lines (MCC code 4411); and (e) Travel Agencies and Tour Operators (MCC Code 4722). Purchases made at merchants that do not process transactions under these codes will not qualify to receive triple points. AAA clubs located in Northern California, Nevada and Utah are not participating AAA Clubs and purchases made at those clubs will not qualify for the triple points. In addition, the following types of products/services are not provided directly by AAA and do not qualify to receive triple points: rail travel; insurance purchases made through AAA Mid-Atlantic, North Penn, South Jersey, and Southern Penn clubs for policies which are not underwritten by an insurance company owned by AAA Mid-Atlantic; 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.
Fractions of points greater than .50 are rounded up and less than or equal to .50 are rounded down.
Balance Transfers, Cash Advances, including purchases of money orders or other cash equivalents, purchases made by or for a business or for a business purpose, fees, interest charges, unauthorized/fraudulent transactions and certain other charges do not earn points. Earn unlimited points. Points valid for 5 years. Points cannot be redeemed if your account is not in good standing and will be forfeited upon account closure.
Rewards begin at 2,500 points for merchandise and air, and 5,000 points for cash and AAA rewards vouchers. Air rewards may be subject to a maximum dollar value and special air arrangements require payment of additional points and a processing fee. A cash reward shall be issued for a U.S. dollar sum in the form of a check or an electronic deposit to a checking or savings account of your choice. The current redemption value for cash rewards checks or deposits into a checking or savings account is 1% of the amount of the points redeemed. The redemption value for other reward options varies based on the type of reward and amount of points redeemed. Cash reward checks expire 90 days after date of issue. AAA rewards vouchers expire 1 year after date of issue. Points and/or rewards may not be combined with other discount or reward programs, unless specifically authorized by FIA Card Services, N.A. Other significant terms apply. Program subject to change. Details accompany new account materials.
This credit card program is issued and administered by FIA Card Services, N.A. Visa and Visa Signature are registered trademarks of Visa International Service Association, and are used by the issuer pursuant to license from Visa U.S.A. Inc.