AA credit cards

As well as offering competitive 0% introductory periods on some of its cards, and providing a consistently low rate card, one of the biggest advantages of using an AA card is its rewards scheme.

If you use your card regularly, and are an AA member, points can soon mount up. However, bear in mind that reward cards are only suitable for those who can afford to pay off what they owe quickly – otherwise the interest charged can quickly wipe out any benefits.

Compare AA credit cards - Sorted by APR

  1. Great for
    You can transfer a balance to this card with no fee
    0% for 3 months on purchases and balance transfers
    But be aware that
    You might get a different interest rate to the one shown here, because this depends on your circumstances
    You must earn at least £8,000 a year to be eligible for this card

    Representative Example:

    If you spend £1,200 at a purchase interest rate of 5.85% p.a. (variable) your representative rate will be 5.85% APR (variable).

  2. Cashback Offer

    £35 cashback when you spend £500 or more within 60 days of account opening. T&Cs apply.

    Great for
    0% on purchases for either 28 or 22 months (depending on your personal circumstances) from account opening
    0% on balance transfers for either 18 or 14 months (depending on your personal circumstances) when made in the first 3 months
    But be aware that
    You might get a different interest rate or promotional period to the ones shown here, because these depend on your circumstances
    The promotional offers only apply to balances you transfer in the first 3 months
    You must earn at least £8,000 a year to be eligible for this card

    Representative Example:

    If you spend £1,200 at a purchase interest rate of 18.9% p.a. (variable) your representative rate will be 18.9% APR (variable).

  3. Great for
    0% for either 41, 26 or 18 months when a balance transfer is made in the first 3 months, depending on individual circumstances
    0% for 3 months on purchases
    Manage your account on the go with the AA Credit Card app
    But be aware that
    You cannot transfer a balance from another credit card issued by Bank of Ireland
    The APR and length of the promotional offer are dependent on your personal circumstances

    Representative Example:

    If you spend £1,200 at a purchase interest rate of 18.9% p.a. (variable) your representative rate will be 18.9% APR (variable).

Guide to AA credit cards

AA Financial Services offers a range of credit cards to suit a variety of needs including purchase cards, balance transfer cards and cashback cards.

The cards are provided by Bank of Ireland UK as AA Financial Services is a credit broker, not a lender.

AA credit cards are fully regulated by the Financial Conduct Authority (FCA).

In line with the AA’s motoring heritage, it is possible for cardholders to choose a card offering cashback on fuel and enjoy beneficial membership terms of the AA itself.

Credit cards give you valuable consumer protection that cash and debit cards don’t. Under Section 75 of the Consumer Credit Act, if you pay for goods or services using a credit card, the card provider is jointly liable with the retailer if something goes wrong.  This protection only applies to items or services costing between £100 and £30,000. So, for example, if you ordered a bed costing £500 and the shop you bought it from goes bust before it is delivered, the credit card provider should provide you with a full refund. 

Your personalised chance of approval

We've taken the details you gave, and used them to show you personalised scores to tell you the chance that your application for each card would be successful.

Why is this important?

Every time you apply for a credit card, a mark is left on your credit score. That means it's better get it right first time. Your scores help you understand which cards you have the strongest chance of getting.

It's easy!

The higher the score, the stronger chance you have of getting the card. If you see a very low score, you're probably better off choosing a different card.

Consider a different card
Not eligible
Your chances are good
You've been pre approved

If you see a high score, you can be fairly confident. The scores aren't a guarantee, as acceptance of your application is at the sole discretion of the card issuer, but they should help guide your choice.

If you see a pre-approved score it may be subject to you passing additional ID and fraud checks by the provider.

Not rated

In some cases, we will not be able to display a score for a product because we do not have enough information about the card issuer’s acceptance criteria or we have not been able to match your details at the credit bureau.

We work closely with our partners to improve our eligibility scores for all products that are of interest to you.

We're free and independent, as well as offering exclusive deals you can't get anywhere else.

Moneysupermarket is a credit broker – this means we’ll show you products offered by lenders. We never take a fee from customers for this broking service. Instead we are usually paid a fee by the lenders – though the size of that payment doesn’t affect how we show products to customers.


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