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AAA Member Rewards review, benefits and features

AAA Dollars Plus Mastercard from US Bank

The AAA Dollars Plus Mastercard offers cardholders superior rewards on AAA purchases.

Co-branded with American Automobile Association (AAA), you need AAA membership to get this card.

INTRODUCTORY OFFER

As an added incentive to apply you receive 0% APR on purchases and balance transfers for the first 12 months.

The introductory offer includes $25 AAA dollars after first charge on the card and 125 AAA dollars when $1500 or more within initial 90 days of account opening.

People holding large balances on their current cards at the current average rate of 17.23% APR can save a significant amount of money, even with the 3% balance transfer fee.

  • $1,000 at 14.23% means keeping $142.30 in your pocket.
  • $5,000 at 14.23% means keeping $711.50 in your pocket.
  • $10,000 at 14.23% means keeping $1,423.00 in your pocket.

Once the introductory period expires though, because the APR can jump up to as high as 23.99%, i.e. the monthly payment of interest alone, on a $5,000 transfer, can go from $12.50 to $91.63 per month.

While saving money helps, paying off the balance in full before the introductory period ends is essential to keep the money in your pocket.

REWARDS

Get rewarded with AAA dollars while you shop.

  • 3% on travel and AAA purchases
  • 2% at grocery stores, gas stations, and drugstores
  • 1% for all other eligible net purchases

Interest Rates

  • Purchases – 0% for 25 days if statement balance is zero
  • Purchases – 14.99% to 23.99% when carrying a balance
  • Balance Transfers – 14.99% to 24.99% starting on transfer date
  • Cash Advances – 25.99%

Fees

  • Annual Fee: $0.00
  • Fee on balance transfer: 3% ($5 min)
  • Cash advance: 3% ($10 min) for convenience check
  • Cash: advance: 5% ($10 min) at ATM
  • Foreign transaction: none
  • Late payment: up to $40
  • Returned payment: up to $35

Redeem Reward Points

  • Merchandise such as electronics, fashion, home goods
  • Gift cards

Travel Benefits

  • Roadside Assistance Hotline
  • Car rental and damage insurance (excludes liability coverage)
  • Global Assist Hotline (doesn’t pay for third-party costs)
  • Travel accident insurance on common carriers

Security Features

  • Fraud Protection
  • Advanced secure chip technology
  • Text alerts

Other Card Benefits

  • Mobile banking
  • Text and/or email alerts on purchases, balances, reminders, etc.
  • Free FICO credit score
  • Apple Pay
  • Monthly summaries

VeraBank World Mastercard

VeraBank Credit Card

Originally established as the Citizens National Bank, today VeraBank is dedicated to serve as the preferred financial services provider in its marketplace.

With its deep community bank roots and independent spirit, VeraBank offers

  • outstanding service
  • relevant products and efficient channels
  • the best and brightest bankers in its communities

Ultimate customer satisfaction and care sets VeraBank from the others, as explained by the guiding principles established from its very inception.

In the old days in this part of the country, if you had a cow, a sow, and a hen, you could survive.

From the cow came the milk and butter; from the sow the bacon, lard, and hams; and from the hen, eggs.

As East Texas became more and more affluent, we reminded ourselves and our customers – “Don’t forget the cow, the sow, and the hen.”

cow, sow, hen

Read the terms and benefits below carefully to judge whether the VeraBank Mastercard should be part of your financial well-being.

Introductory Offer
  • 2.90% APR on purchases and balance transfers during the first 6 months
Rewards
  • Get one point for every eligible $1 spent on your credit card
  • Flexible Rewards Options
    • Travel
    • Cash
    • Merchandise
    • Retail Gift Cards
Interest Rates as Annual Percentage Rate (APR)
  • Purchases paid in full within 25 days of statement date: 0%
  • Balances on statements after 25 days: 15.24%
  • Balance Transfers: 15.24%
  • Cash Advances: 15.24%
Fees
  • Annual Fee: none
  • Balance transfers: 3% ($10 min)
  • Cash Advances: 3% ($10 min)
  • Foreign transaction: 2%
  • Late penalty: $25
Free Benefits
  • Zero-liability on unauthorized use of the card
  • Card lock if it’s lost or stolen
  • Enroll in automatic payment feature to avoid late charges
  • Text or email alerts on purchases, balances, due dates, and more
  • Add authorized users for free, but they don’t pay for their charges
  • Warranty extension where applicable
  • Auto collision waiver damage
  • Travel and emergency assistance (service fees may apply)
  • Travel accident insurance
  • Roadside assistance
  • 24/7 customer service

For application and important details visit the VeraBank credit card web page.