Tag Archives: Rewards

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

Alabama Credit Union Mastercard

Bama Credit Card

Save on a balance transfer with a new Bama Mastercard  offering an introductory 0.9% APR good for 12 months.

Or go for the no-frills Traditions Mastercard with its low APR of 8.99% to 12.99% on a continuing basis.

The Bama card features cash back on purchases, while Traditions card gives a better rate for card holders who decide to carry a monthly balance. Otherwise both cards very similar benefits and features. You compare the two versions HERE, along with the Secured and Student versions.

BENEFITS AND FEATURES

You don’t pay for hidden fees such annual fees or balance transfers, because the Alabama Credit Union doesn’t charge its members for credit card expenses such as:

  • NO annual fee
  • NO balance transfer
  • NO cash advance fee
  • NO interest charges on purchases on statements paid in full

Fees and rates are available as a disclosures pdf file.

MASTERCARD BENEFITS

Card holders get the full benefits which Mastercard is well-known for, such as:

  • Cell Phone Protection
  • Identity Theft Resolution Services
  • Extended Warranty
  • Zero Liability Protection
  • Auto Rental Insurance
  • MasterCard Airport ConciergeTM
  • MasterCard® SecureCodeTM
  • MasterCard Global ServiceTM

For a more detailed explanation and guide visit Mastercard Guide To Benefits.

MEMBERSHIP

If you’re interested about applying for the card, you must first become a member of the Alabama Credit Union as explained here.

For people outside of the local field of membership, joining the wonderful Secret Meals Association by filling out its membership application would qualify you for the credit card. Donations are tax-deductible and the entire amount benefits the children per its website.

“Checks made out to Secret Meals or Alabama Credit Union Foundation, Inc., are tax deductible to the fullest extent of the law. Please check with your tax consultant.”

“To allow as many children to receive food packs as possible, Alabama Credit Union provides all promotional and operational funding for the Secret Meals program, meaning 100 percent of every penny donated goes toward the purchase of food packs.”

CONTACT INFO

To find out more about membership and joining contact their Member Care Center at 888.817.2002 or complete their online form.