Finder is committed to editorial independence. While we receive compensation when you click links to partners, they do not influence our content.
Rely on AAA for roadside assistance and travel plans — plus, foreign currency exchange. Its Visa TravelMoney card simplifies currency conversions and foreign exchange rates. And the good news is you can get it without membership.
The chip and PIN-protected AAA Visa TravelMoney card comes with the security of traveler’s checks and the simplicity of a Visa-branded credit card. Accepted all over the world, the Visa TravelMoney card will convert your USD to the local currency almost anywhere. And you’ll enjoy Visa’s zero-liability policy protecting you from fraud and unauthorized purchases.
The AAA Visa TravelMoney card works like a debit card — use your card at merchants and ATM to access money when traveling abroad. But, this card isn’t attached to your bank account. Instead load the card with the money you plan to take on your trip, and use it to pay for dinner, souvenirs, excursions or anything else.
What’s more, if you buy your plane tickets with the AAA Visa TravelMoney card, your purchase is protected in case of a canceled or delayed flight. You’ll also have access to emergency cash replacement and 24-hour customer service.
Load this card with as little as $100, and as much as $5,000 at a time, with a maximum balance of $9,999. Manage your balance at your local AAA store, by phone or online.
Because your funds aren’t immediately converted into a foreign currency, you don’t have the benefit of locking in an exchange rate. Instead, Visa charges its conversion rate — typically close to the midmarket rate.
The biggest disadvantage of this card are the fees that come along with it. Each time you use the card, the AAA Visa TravelMoney Card charges a 3% transaction fee and a $3 international ATM fee — typical for most credit cards. The benefit of the TravelMoney card is that because it’s your money, you won’t pay interest on your purchases.
The initial purchase price is determined by whether you’re an AAA member or not. It’s $5.95 for AAA members and $9.95 for non-members. And deactivate the card once you’re done with the card, or you’ll be charged $1.25 each month you don’t use it.
| Product name | AAA Visa TravelMoney |
| Card issue fee | AAA members: $5.95 Non-members: $9.95 |
| Initial load fee | None |
| Reload fee | None |
| Transaction fee | 3% outside of the US |
| ATM withdrawal fee |
|
| Bank withdrawal fee | $5 |
| Inactive fee | $1.25 per month |
The greatest benefit to this card its its security. It’s protected by chip technology and a PIN, and because it’s not connected to any accounts, your personal information is protected. Other benefits include:
Consider using the Travelex Money Card instead of the AAA Visa TravelMoney card.
When you use prepaid cards to pay for restaurant and bar tabs — or anywhere a gratuity is expected — budget a “tip tolerance” of 10% to 20% on top of your bill’s base amount.
When swiping your card, many establishments reserve what they expect you’ll add as a tip. If you don’t have enough money on your prepaid card to cover up to 20% on top of the base amount, consider using another card to avoid an uncomfortable card denial.
To be eligible for a AAA Visa TravelMoney card, you must:
Cards can be purchased and reloaded at one of the many AAA retail offices throughout the country. The benefit of AAA membership is that you have the flexibility of reloading online at www.aaa.com or calling 866-674-9622. Non-members needs to reload at the same location they bought the card.
If you’re loading funds onto your card, be aware that they might not immediately post. It could take a day or two depending on weekends or holidays.
If your card has been lost or stolen, customer service can arrange for a replacement card to be sent to you for a fee of $5.95.To avoid waiting for a replacement card, it’s wise to initially purchase an additional card for only $1.50.
If you’re looking for a travel card that gives you the perks of a credit card — without the interest rates, the AAA Visa TravelMoney Card is worth looking into. Before deciding on a travel money card, consider your options and compare.
A checking account-debit card combo marketed for people with disabilities.
Navy Federal’s Visa Buxx card has no fees, but you must qualify for membership with the credit union.
A must-have for parents looking to teach their little ones healthy money habits early on.
We look for the following features when rating kids debit cards: monthly fees, features, availability, customer service, interest rate and more.
Key4Kids Savings account is best for kids wanting more access to their money.
A debit card exclusively for Uber drivers. But it may take some time to get your cash back.
A strong 2% cashback card for TD Bank customers.
A solid travel card with strong rewards on gas, but competitor cards are better.
The Merrill Cash Management account offers several perks, but it has a high annual fee.
An elite borderless prepaid card for high-net-worth individuals and businesses.
How long does an AAA Travel Card go before you consider it inactive?
Hi Jeff,
Thank you for your comment.
It will take 6months to a year for the card to become inactive. There’s an inactivity fee charged after 12 consecutive months of inactivity which is for $1.25/month.
Regards,
Jhezelyn
PLS LET ME KNOW HOW MUCH AMOUNT OF EUROS I CAN USE AT THE SAME DAY (ONE DAY)TO PAY FOR PURCHASING GOODS IN GREECE
Hi Theofanies,
Thanks for reaching out to finder.
AAA Visa travel money card’s daily spending limit is $9,999 (or amount equivalent in Euros). This spend limit refers to the maximum cumulative point-of-sale signature or point-of-sale PIN transactions you can make per 24 hours. The maximum card balance that you can have at any time is also $9,999.
You can use the AAA Visa travel money card everywhere Visa debit cards are accepted as well as for online and telephone purchases.
I hope this helps.
Cheers,
Charisse
Is it possible to load more money onto my AAA Visa Travel Money Card? If so, how do I do it? Thanks.
Hello Daryl,
Thank you for your comment.
Yes, it is possible to load money on the AAA Visa TravelMoney card. You can reload your card at any participating AAA office, call their toll-free or through their website. Please note that the maximum balance on the card is $9,999.
Should you wish to have real-time answers to your questions, try our chat box on the lower right corner of our page.
Regards,
Jhezelyn
Can you obtain a AAA visa travel money card and load balances onto it from an American Express gift card?
Hi Mark,
Thanks for getting in touch with finder.
Unfortunately, you can’t use your American Express gift card. According to our page, cards can be purchased and reloaded at one of the many AAA retail offices throughout the country. The benefit of being a AAA member is that you have the flexibility of reloading online http://www.aaa.com or calling 866-674-9622. Nonmembers needs to reload at the same location they bought the card.
I hope this helps. Should you have further questions, please don’t hesitate to reach us out again.
Have a wonderful day!
Cheers,
Joshua
How do I load my AAA visa debit card from outside USA?
Hi David,
Thanks for your inquiry
If you are referring to AAA Visa travel money card, funds may be added to the card at the location where the card was purchased. However, some participating clubs allow AAA members to reload by calling them.
The AAA Visa Travel money card allows for unlimited total reloads, up to a maximum of $5,000
per twenty four (24) hours.
Hope this helps.
Best regards,
Rench
I phoned my local AAA office on Thursday, 8/30/18, and was told I could come that day before 5pm to organize my prepaid Visa travel money card.
If you are a AAA member, check with AAA locally to verify availability. As of last week the card was not discontinued.