AAA Dollars MasterCard Reviews: What’s Not to Like About This Card?


AAA Offers Three Rewards Credit Cards

The above three credit cards are offered to AAA Members to earn credit card rewards.

Each card has a different rewards structure and the best card for you will depend on your reward goals.

Overall, the AAA Dollars Plus Card is going to be the best card for most consumers.

It awards 3% cashback for travel, 2% cashback for gas, groceries, and drug store purchases, and 1% back on all other purchases.

All of these cards have no annual fee but it is important to note that availability may depend on your location.

AAA Dollars MasterCards
AAA Dollars MasterCards – Three cards are offered with varying reward programs

AAA Dollars Plus MasterCard

As mentioned above, for consumers who are eligible for the Dollars Plus Card, this will likely be the best option.

The reward rates described above set this card apart from the other options.

This card will be especially useful for travelers.

aaa credit card login

The card has no annual fee and there is are no foreign transaction fees for using your card abroad.

There is no limit to the total amount of AAA Dollars you can earn in a given year.

Rewards can be redeemed as:

  • Cash Back
  • Statement Credit
  • Giftcards
  • Charitable Donations
  • Merchandise

AAA Dollars MasterCard

The AAA Dollars Card is a very standard rewards card.

Customers earn 1% on all purchases they make with their credit card.

This is a nice card for customers who are looking for a simple card but if you are eligible for the Dollars Plus Card, the decision is a no brainer.

This card does not provide nearly as strong of a rewards plans compared to the Plus card and should only be considered for those not eligible for the Plus.

The AAA Dollars earned can be redeemed for the same type of rewards as the Plus Card.

AAA Dollars Gas Rebate MasterCard

The Gas Rebate Card is a unique option of the three AAA Credit Cards offered.

Unlike the other two cards, this card is specific to gas rewards.

All gas purchases will earn 5% back.

There is a catch to this rewards rate though.

The 5% back is eligible only for the first 2% total spending on your card monthly.  If you spend a lot on your card, this will not be an issue.

For customers who are only planning on using this card for gas, you will be disappointed to find that you will not earn your full 5% rebate.

You gas rebate will automatically be applied to your monthly statement.

Managing Your AAA Card – ACG Card Services

If you have one of the AAA Credit Cards you account will be managed online with ACG Card Services.

Before you will be able to access your account you will need to enroll your card.

During the process, you will first need to verify your account.  To do so you will need to provide:

  • Full Credit Card Account Number
  • The Security Code on the back of the Card
  • The last 4 digits of your SSN
  • The zip code for your card

After account verification, you will then create your login ID and password.

This will be used for accessing your online account moving forward.

Once logged in you can manage your account settings, view your charges, make payments, and review statements.

Your AAA rewards can also be accessed online.

Selections can be made for how you would like to redeem your AAA Dollars earned with your card.

Not a AAA Member?  Learn more about great Reward Credit Cards!

AAA Dollars MasterCard Customer Service Contact


  • Send a Payment: Cardmember Service P.O. Box 790408 St. Louis, MO 63179-0408
  • Overnight a Payment: Cardmember Service Attn: 790408 824 N 11th Street St. Louis, MO 63101-1016
  • ACG Card Services Phone Number 800-328-4850 (24 hours a day 7 days a week)

For detailed questions about your account, you’ll need to log into your AAA Dollars Mastercard account online so that we can authenticate that you are the card owner.

  1. Log in to your account
  2. Go to the Services page, select Contact Us
  3. Click on the Email Us link

Final Thoughts – Which AAA Card Is Best For You?

Overall, the AAA Dollars Plus Card is far and away from the best option.

Apply now at and thank me later :).

This card provides the best rewards and benefits. Not all customers will be eligible for this card but those who are should definitely opt for the Plus Card.

Some consumers will find the 5% gas rewards to be a good option but it will be contingent on high spending. The only way to take advantage of the full 5% back is to spend quite a bit on additional purchases.

Even in this case, other card options will still be a better choice for maximum earnings.

Related Content: Need a credit boost? Check out our Experian Credit Boost Review and learn how to increase your credit score in just a few minutes with one simple trick.

Do you have a AAA Credit Card?

What are your thoughts and which card best suits your spending habits?

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