AA credit cards
The AA are a British motoring association formed in 1905. They have expanded from only offering a breakdown service and now offer insurance, driving lessons & a range of financial products.
- Credit Cards
- Balance Transfer
- Credit Building
- Money Transfers
Balance transfer intro period & rate
The length & interest rate applied when a credit card balance is transferred from one card to another.Close
Purchases intro period & rate
The length & interest rate applied to new purchases made on a card.Close
Rewards, for example, points or cashback earned when making purchases on a card.Close
Annual Percentage Rate including all fees & charges applicable.Close
Likelihood of acceptance
Find out your chance of being accepted for a card without leaving a footprint on your credit record.Close
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Your guide to credit cards
Do you need to be a member of the AA to apply for the card?
No, you don't need to be an AA member to apply for an AA credit card, although being an AA member does mean you'll earn rewards points faster.
Who powers the AA credit card?
MBNA power the range of AA credit cards. This means that they won't accept balance transfers from other MBNA cards.
Credit cards terms
This is when you move an outstanding balance from one card onto another. If a card has a Balance Transfer Intro Rate it relates to the interest that is applied to the transferred balance and the duration the intro rate is applied for. So for example a 0% balance transfer intro rate for 12 months will mean that no interest will be added to your account for the balance transferred for 12 months from the date the account is opened. To qualify for the introductory rate you will need to transfer your balance within a set period from the account opening, this time limit varies by issuer. When the intro rate ends then you will be charged interest at the cards annual percentage rate (APR).
To ensure you maintain any introductory rates applied to your account you must manage the account in line with the issuer’s terms and conditions. Specifically that means that you must always make at least the minimum payment, on time each month, and must remain within your set credit limit.
Purchase introductory rate
This relates to the interest that is applied to any purchases made and the duration that the introductory rate is applied for. So, for example, a 0% purchase introductory rate for 12 months will mean that no interest will be added to your account for any purchases made for 12 months from the date the account is opened. When the introductory rate ends then you will be charged interest at the card's annual percentage rate (APR).
To ensure you maintain any introductory rates applied to your account you must manage the account in line with the issuer’s terms and conditions. Specifically, that means that you must always make at least the minimum payment on time each month, and must remain within your set credit limit.
Balance transfer fee
Sometimes also called a balance transfer handling fee, this is a charge that is applied if you do move a balance onto your new card. It is usually calculated as a percentage of the balance you wish to transfer, typically it is around 3%. So for example transferring a £2,000 balance onto your new card with a balance transfer handling fee of 3% will incur a charge of £60, this is added to the balance on the card.