AA

AA credit cards

Best-known for its fleet of bright yellow rescue vehicles, the AA relaunched its financial services arm in 2015 under a tie-up with the Bank of Ireland. However, it now no longer offers credit cards.

  • Must read: AA credit cards discontinued

As of July 2018, the AA is not currently issuing credit cards. However, this information has been kept for historical purposes. You can use this page to browse credit cards currently available from other issuers.

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Table: sorted by representative APR, promoted deals first
Name Product Balance transfers Balance transfer fee Purchases Annual/monthly fees Representative APR Incentive Link
M&S Bank Rewards Offer Mastercard
0% for 12 months reverting to 19.9%
2.9% (min. £5)
0% for 12 months reverting to 19.9%
£0
19.9% APR (variable)
Double points on spend in M&S for first 12 months (2 points per £1). Then earn 1 point for every £1 spent at Marks and Spencer's and 1 point for every £5 spent elsewhere. 100 points = £1 reward voucher. Points will be converted into reward vouchers 4 times a year.
Representative example: When you spend £1,200 at a purchase rate of 19.9% (variable) p.a., your representative rate is 19.9% APR (variable).
Check eligibility
Santander Everyday Long Term Balance Transfer Credit Card
0% for 31 months reverting to 20.9%
2.75% (min. £5) for 31 months reverting to 3% (min. £5)
0% for 3 months reverting to 20.9%
£0
20.9% APR (variable)
Earn up to 15% cashback with your selected Retailer Offers at selected major retailers.
Representative example: When you spend £1,200 at a purchase rate of 20.9% (variable) p.a., your representative rate is 20.9% APR (variable).
Check eligibility
Santander Everyday No Balance Transfer Fee Credit Card
0% for 18 months reverting to 20.9%
0% for 18 months reverting to 3% (min. £5)
0% for 3 months reverting to 20.9%
£0
20.9% APR (variable)
Earn up to 15% cashback with your selected Retailer Offers at selected major retailers.
Representative example: When you spend £1,200 at a purchase rate of 20.9% p.a. (variable), your representative rate is 20.9% APR (variable).
Check eligibility
M&S Bank Shopping Plus Credit Card
0% for 23 months reverting to 21.9%
2.9% (min. £5)
0% for 23 months reverting to 21.9%
£0
21.9% APR (variable)
Earn 1 point for every £1 spent at Marks and Spencer's and 1 point for every £5 spent elsewhere. 100 points = £1 reward voucher. Points will be converted into reward vouchers 4 times a year.
Representative example: When you spend £1,200 at a purchase rate of 21.9% (variable) p.a., your representative rate is 21.9% APR (variable).
Check eligibility
The Royal Bank Balance Transfer Credit Card (eligibility criteria apply)
0% for 22 months reverting to 21.9%
0%
0% for 3 months reverting to 21.9% p.a. (variable)
£0
21.9% APR (variable)
Representative example: When you spend £1,200 at a purchase rate of 21.9% (variable), your representative rate is 21.9% APR (variable).
Check eligibility
HSBC No Fee Balance Transfer Credit Card Visa
0% for 20 months reverting to 21.9%
0%
21.9%
£0
21.9% APR (variable)
Discounts and exclusive offers for dining experiences, leisure activities and shopping available through HSBC Home and Away.
Representative example: When you spend £1,200 at a purchase rate of 21.9% (variable) p.a., your representative rate is 21.9% APR (variable).
Check eligibility
M&S Bank Transfer Plus Offer Mastercard
0% for 31 months reverting to 21.9%
1.99% (min. £5)
0% for 3 months reverting to 21.9%
£0
21.9% APR (variable)
Earn 1 point for every £1 spent at Marks and Spencer's and 1 point for every £5 spent elsewhere. 100 points = £1 reward voucher. Points will be converted into reward vouchers 4 times a year.
Representative example: When you spend £1,200 at a purchase rate of 21.9% (variable) p.a., your representative rate is 21.9% APR (variable).
Check eligibility
HSBC Balance Transfer Credit Card
0% for 31 months reverting to 21.9%
2.70% (min. £5)
0% for 3 months reverting to 21.9%
£0
21.9% APR (variable)
£25 cash back when you successfully apply for an HSBC Credit card. Spend or balance transfer over £100 within 60 days of opening the account to be eligible. Available to new customers only. Offer ends 13th February 2022. T&Cs apply
Representative example: When you spend £1,200 at a purchase rate of 21.9% (variable) p.a., your representative rate is 21.9% APR (variable).
Check eligibility
The NatWest Balance Transfer Credit Card (eligibility criteria apply)
0% for 22 months reverting to 21.9%
0%
0% for 3 months reverting to 21.9% p.a. (variable)
£0
21.9% APR (variable)
Representative example: When you spend £1,200 at a purchase rate of 21.9% (variable), your representative rate is 21.9% APR (variable).
Check eligibility
HSBC Purchase Plus Credit Card Visa
0% for 22 months reverting to 22.9%
2.9% (min. £5) for transfers in first 60 days
0% for 22 months reverting to 22.9%
£0
22.9% APR (variable)
£25 cash back when you successfully apply for an HSBC Credit card. Spend or balance transfer over £100 within 60 days of opening the account to be eligible. Available to new customers only. Offer ends 13th February 2022. T&Cs apply
Representative example: When you spend £1,200 at a purchase rate of 22.9% (variable) p.a., your representative rate is 22.9% APR (variable).
Check eligibility
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Name Product Purchases Balance transfers Annual/monthly fees Representative APR Incentive Link
M&S Bank Shopping Plus Credit Card
0% for 23 months reverting to 21.9%
0% for 23 months
(2.9% fee)
£0
21.9% APR (variable)
Earn 1 point for every £1 spent at Marks and Spencer's and 1 point for every £5 spent elsewhere. 100 points = £1 reward voucher. Points will be converted into reward vouchers 4 times a year.
Representative example: When you spend £1,200 at a purchase rate of 21.9% (variable) p.a., your representative rate is 21.9% APR (variable).
Check eligibility
HSBC Purchase Plus Credit Card Visa
0% for 22 months reverting to 22.9%
0% for 22 months
(2.9% fee)
£0
22.9% APR (variable)
£25 cash back when you successfully apply for an HSBC Credit card. Spend or balance transfer over £100 within 60 days of opening the account to be eligible. Available to new customers only. Offer ends 13th February 2022. T&Cs apply
Representative example: When you spend £1,200 at a purchase rate of 22.9% (variable) p.a., your representative rate is 22.9% APR (variable).
Check eligibility
Santander All in One Credit Card
0% for 20 months reverting to 17.9%
0% for 26 months
(0% fee)
£3 per month
23.7% APR (variable)
0.5% cashback after £1 of monthly spend. Cashback paid monthly into card account. Maximum spend for cashback purposes is limited to credit limit.
Representative example: When you spend £1,200 at a purchase rate of 17.9% (variable) p.a. with a fee of £3 per month, your representative rate is 23.7% APR (variable).
Check eligibility
M&S Bank Rewards Offer Mastercard
0% for 12 months reverting to 19.9%
0% for 12 months
(2.9% fee)
£0
19.9% APR (variable)
Double points on spend in M&S for first 12 months (2 points per £1). Then earn 1 point for every £1 spent at Marks and Spencer's and 1 point for every £5 spent elsewhere. 100 points = £1 reward voucher. Points will be converted into reward vouchers 4 times a year.
Representative example: When you spend £1,200 at a purchase rate of 19.9% (variable) p.a., your representative rate is 19.9% APR (variable).
Check eligibility
Tesco Bank Clubcard Plus Credit Card Mastercard
0% for 24 months reverting to 19.944%
21.814%
(3.99% fee)
£7.99 per month
37.7% APR (variable)
1 point per £4 spent (£4 minimum) in Tesco and 1 point per £8 spent (£8 minimum) outside Tesco, must have available credit to earn points. Card can also be used as a Clubcard to collect standard points at 1 point per £1 spent on shopping and 1 point per £2 spent on fuel. Points are converted to Tesco vouchers which can be used towards shopping or exchanged for Partner Rewards.
Representative example: When you spend £1,200 at a purchase rate of 19.944% (variable) p.a. with a fee of £7.99 per month, your representative rate is 37.7% APR (variable).
Barclaycard Platinum All-Rounder Visa
0% for 24 months reverting to 21.9%
0% for 22 months
(2.9% fee)
£0
21.9% APR (variable)
Up to 5 months free trial of Apple Music, Apple TV+, Apple News + and Apple Arcade.
Representative example: When you spend £1,200 at a purchase rate of 21.9% (variable) p.a., your representative rate is 21.9% APR (variable).
Ulster Bank Purchase & Balance Transfer Credit Card Mastercard
0% for 23 months reverting to 21.9%
0% for 23 months
(2.49% fee)
£0
21.9% APR (variable)
Representative example: When you spend £1,200 at a purchase rate of 21.9% (variable) p.a., your representative rate is 21.9% APR (variable).
Tesco Bank Purchases Card
0% for 23 months reverting to 20.94%
0% for 3 months
(2.99% fee)
£0
20.9% APR (variable)
1 point per £4 spent (£4 minimum) in Tesco and 1 point per £8 spent (£8 minimum) outside Tesco. Must have available credit to earn points. Points are converted to Tesco vouchers or can be exchanged for Partner rewards to receive money off a variety of restaurants, entertainment or Avios points.
Representative example: When you spend £1,200 at a purchase rate of 20.94% (variable) p.a., your representative rate is 20.9% APR (variable).
Sainsbury's Bank Dual 23 Month Offer Credit Card Mastercard
0% for 23 months reverting to 21.95%
0% for 23 months
(3% fee)
£0
21.9% APR (variable)
Earn 3 Nectar points per £1 spent in Sainsbury's and Argos. Earn 1 Nectar point for every £5 spent elsewhere. Earn 500 bonus points each time you spend £35 or more on Sainsbury's shopping with your credit card, up to ten times in your first 2 months, offer available for new customers.
Representative example: When you spend £1,200 at a purchase rate of 21.95% (variable) p.a., your representative rate is 21.9% APR (variable).
Royal Bank of Scotland Purchase & Balance Transfer Credit Card Mastercard
0% for 23 months reverting to 21.9%
0% for 23 months
(2.49% fee)
£0
21.9% APR (variable)
Representative example: When you spend £1,200 at a purchase rate of 21.9% (variable) p.a., your representative rate is 21.9% APR (variable).
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Name Product Annual/monthly fees Initial credit limits Minimum income Representative APR Incentive Link
Bip Credit
£0
Min. limit £250, max. limit not specified.
Not specified
29.9%
Representative example: When you spend £1,200 at a purchase rate of 29.95% (variable) p.a., your representative rate is 29.9% APR (variable).
Check eligibility
HSBC Classic Credit Card
£0
Min. limit £250, max. limit £1,000.
£6800
29.9%
Discounts and exclusive offers for dining experiences, leisure activities and shopping available through HSBC Home and Away.
Representative example: When you spend £1,000 at a purchase rate of 29.9% (variable) p.a., your representative rate is 29.9% APR (variable).
Check eligibility
Aqua Classic Credit Card
£0
Min. limit £250, max. limit £1,200.
Not specified
32.9%
Representative example: Assumed credit limit £1,200, representative 32.9% APR (variable), purchase rate 32.94% p.a. (variable).
Please note: you can’t have two Aqua accounts or open an Aqua account within 12 months of opening a Marbles, Fluid or Opus account, issued by New Day
Check eligibility
Aqua Classic Balance Transfer Card
£0
Min. limit £250, max. limit £1,200.
Not specified
34.9%
Representative example: Assumed credit limit £1,200, representative 34.9% APR (variable), purchase rate 34.95% p.a. (variable).
Please note: you can’t have two Aqua accounts or open an Aqua account within 12 months of opening a Marbles, Fluid or Opus account, issued by New Day
Check eligibility
Tesco Bank Foundation Card
£0
Min. limit £100, max. limit not specified.
£5000
27.5%
Collect 1 Tesco Clubcard point per £4 spent (£4 minimum) in Tesco and 1 Clubcard point per £8 spent (£8 minimum) outside Tesco in each purchase transaction.  Must have available credit to collect Clubcard points. Clubcard points are turned into Clubcard vouchers every 3 months or sooner using Faster Vouchers. Clubcard vouchers can be used in Tesco or with Clubcard Reward Partners to get even more value on dining out, hotel stays and travel.
Representative example: When you spend £1,200 at a purchase rate of 27.542% (variable) p.a., your representative rate is 27.5% APR (variable).
TSB Classic Credit Card Mastercard
£0
Min. limit £500, max. limit not specified.
Not specified
27.9%
Representative example: When you spend £1,200 at a purchase rate of 27.95% (variable) p.a., your representative rate is 27.9% APR (variable).
Vanquis Bank Chrome Credit Card
£0
Min. limit £250, max. limit £1,500.
Not specified
29.5%
Representative example: When you spend £250 at a purchase rate of 29.5% (variable) p.a., your representative rate is 29.5% APR (variable).
Vanquis Bank Aquis Visa
£0
Min. limit £250, max. limit £1,000.
Not specified
29.8%
You could get a credit limit increase after your 5th statement and further increases every 5 months, up to £4,000.
Representative example: When you spend £1,000 at a purchase rate of 29.84% (variable) p.a., your representative rate is 29.8% APR (variable).
Amazon Classic Mastercard
£0
Min. limit £500, max. limit not specified.
Not specified
29.9%
Be upgraded to the Amazon Platinum Mastercard if you make at least one transaction a month, make repayments on time and stay within credit limit in the first 12 months..
Representative example: When you spend £1,200 at a purchase rate of 29.95% (variable) p.a., your representative rate is 29.9% APR (variable).
Marbles Card
£0
Min. limit £250, max. limit £1,200.
Not specified
32.9%
You could get a credit limit increase after three months. Choose a monthly repayment date that suits you and change it up to twice a year.
Representative example: Assumed credit limit £1,200, representative 32.9% APR (variable), purchase rate 32.94% p.a. (variable).
Please note: you can’t have two Marbles accounts or open a Marbles account within 12 months of opening an Aqua, Fluid or Opus account, issued by New Day
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What is the AA?

The AA, or Automobile Association, was set up in June 1905 by a group of four London motorists, with the objective putting drivers’ interests first. In 2014 it was voted one of the UK’s most trusted brands in a BrandAsset Valuator survey.

AA credit cards are issued on the Mastercard network, so they can be used in more than 35 million places worldwide.

What types of credit card are available from AA?

The AA offers a very small range of just two basic credit cards, but each is designed to meet a specific need.

  • 0% balance transfer card

    The AA offers its Balance Transfer Credit Card so that you can move existing expensive debt to a new card and pay no interest on it for a set introductory period – buying you a window to focus on paying it off. You’ll normally need to pay a balance transfer fee, typically 2-3% of the amount transferred.
    Learn more about 0% balance transfer cards

  • Low rate card

    The AA’s Low Rate Credit Card offers a competitive rate of interest on both purchases and balance transfers. This type of card can be a good option if you have an existing outstanding balance but also plan to make a significant purchase. You’ll be able to keep payments low and avoid having to pay an annual fee.
    Learn more about low rate cards

Additional benefits of AA credit cards

  • Customer support. The AA operates a local call rate customer helpline with staff available between 8am and 8pm daily.
  • Online account management. You can register online to make payments, check the available balance on your card, update your details and carry out a range of other tasks involved in servicing your account.
  • Global usage. As part of the Mastercard network, you can use your AA credit card at more than three-quarters of all outlets worldwide, a figure that’s growing all the time.
  • Additional cards. You can nominate an additional cardholder, provided they live at the same address as that registered to you.
  • AA credit card app. The app is available through Google Play or Apple’s App Store, and lets you access all your account information via your mobile phone.

Applying for an AA credit card

You can apply for an AA credit card easily and conveniently online. It’s straightforward to check your eligibility and chances of being accepted using the AA’s online eligibility checker, which doesn’t affect your credit rating. Keep in mind that the eligibility checker is a guide – you’ll be subject to a full credit check when you apply.

Eligibility requirements

  • Be a UK resident
  • Be over 18 years old
  • Hold a UK bank or building society account
  • Not currently have any other credit card issued by the Bank of Ireland
  • Be employed, retired or a homemaker, with an annual income of over £8,000
  • Not have any outstanding County Court Judgments
  • You must ensure that you can meet the repayments as missed payments incur a charge and could have severe consequences on your ability to obtain future credit

Why might your application not be approved?

If you meet the broad criteria outlined above, but have a history of bad debt or no credit history, you could be rejected. Also, if you have been made the subject of a CCJ or have have ever declared bankruptcy, you are unlikely to be offered a card.

Frequently asked questions

We show offers we can track - that's not every product on the market...yet. Unless we've said otherwise, products are in no particular order. The terms "best", "top", "cheap" (and variations of these) aren't ratings, though we always explain what's great about a product when we highlight it. This is subject to our terms of use. When you make major financial decisions, consider getting independent financial advice. Always consider your own circumstances when you compare products so you get what's right for you.

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