Credit Cards details

Your chosen card

To apply for this card

Go to the AA website

Go to site

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).

The basics

  • Representative APR 18.9%(variable)
  • Payment Network MasterCard
  • Balance transfer fee 2.89%
  • Balance must be transferred within 3 months

Card features

Great for
0% on purchases for either 30 or 24 months (depending on your personal circumstances) from account opening
0% on balance transfers for either 16 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

Is this card right for you?

To take this card you

  • Must be aged 18 or over
  • Must be a UK resident
  • Must have a current UK bank or building society account
  • Must be employed, retired or a homemaker with an annual income of over £8,000 excluding unemployment benefits
  • Must not have any outstanding County Court Judgements

Introductory interest rates

Rate Duration
Purchases 0% 30 months
Cash advances - -
Balance transfers 0% 16 months
Cheque advances - -
Money transfers - -

Long term interest rates

Monthly Annual
Purchases 1.456% 18.9%
Cash advances 2.075% 27.9%
Balance transfers 1.456% 18.9%
Cheque advances - -
Money transfers - -
Price for risk Yes


Annual fee -
Late payment £12
Over credit limit £12
Foreign exchange EU 2.99%
Foreign exchange non-EU 2.99%
Return payment £12
Copies of statements £5
Returned Credit Card Cheque Default Sum £12
Handling fee Min fee Max fee
Cash advances 2.99% £3 -
Cheque advances - - -
Balance transfers 2.89% - -
Money transfers - - -

Repayment details

  • Interest free period - 56 days
  • Your monthly minimum payment will be the greater of:
    • 2.5% of the outstanding balance on your statement (minimum £5)
    • OR
    • The full balance if less than £5
    • OR
    • 1% of the outstanding balance plus interest, plus fees, plus any insurance premium, plus the amount of any arrears which are payable immediately.
  • If you make only the minimum payment each month, it will take longer and cost you more to clear your balance
  • The above minimum repayment details may vary between providers, so please review T&Cs for specific details.
  • Allocation of payments:
    Payments received will be applied against items charged to your account (which will include transactions, interest and any other fees and/or charges) in order of interest rate applicable, highest first.
    For further details, please refer to provider.

Credit limit

Minimum credit limit £1000
Maximum credit limit -

Other features

Free purchase protection No
Internet fraud guarantee Yes
Rewards No rewards

How your promotional rates will change

  • After 16 months, the rate on Balance Transfers will go from 0% to 18.9%.
  • After 30 months, the rate on Purchases will go from 0% to 18.9%.

Fees to be aware of

  • For a balance transfer, you'll be charged 2.89% of the balance you're transferring.

About AA

The AA credit card is provided by Bank of Ireland (UK) plc. As the premier motoring organisation in the UK, the AA provide breakdown, general insurance and financial services products to over 15 million customers.

To apply for this card

Go to the AA website

Go to site

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).

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.


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