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.

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  • 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.

Compare other cards

Table: sorted by representative APR, promoted deals first
Name Product Balance transfers Balance transfer fee Purchases Annual/monthly fees Representative APR Incentive Link
Santander Everyday Long Term Balance Transfer Credit Card
0% for 28 months reverting to 21.9%
3% (min. £5)
0% for 3 months reverting to 22.9%
£0
22.9% APR (variable)
Sign up for Santander Boosts to receive cashback, vouchers, offers and prize draws from selected retailers.
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
NatWest Purchase & Balance Transfer Credit Card
0% for 23 months reverting to 23.9%
2.99%
0% for 23 months reverting to 23.9%
£0
23.9% APR (variable)
Representative example: When you spend £1,200 at a purchase rate of 23.9% (variable) p.a., your representative rate is 23.9% APR (variable).
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M&S Bank Credit Card Transfer Plus Offer Mastercard
0% for 28 months reverting to 23.9%
2.99% fee, min £5
0% for 3 months reverting to 23.9%
£0
23.9% APR (variable)
1 point per £1 spent with M&S and 1 point per £5 spent elsewhere. Enjoy 55 days interest free, preferential rates plus no cash advance fee when buying M&S travel money with the card.
Representative example: When you spend £1,200 at a purchase rate of 23.9% (variable) p.a., your representative rate is 23.9% APR (variable).
Check eligibility
Royal Bank of Scotland Longer Balance Transfer Credit Card
0% for 30 months reverting to 23.9%
2.99%
0% for 3 months reverting to 23.9%
£0
23.9% APR (variable)
Representative example: When you spend £1,200 at a purchase rate of 23.9% (variable) p.a., your representative rate is 23.9% APR (variable).
Check eligibility
Royal Bank of Scotland Balance Transfer Credit Card
0% for 19 months reverting to 23.9%
2.99%
0% for 3 months reverting to 23.9%
£0
23.9% APR (variable)
Representative example: When you spend £1,200 at a purchase rate of 23.9% (variable) p.a., your representative rate is 23.9% APR (variable).
Check eligibility
NatWest Longer Balance Transfer Credit Card
0% for 30 months reverting to 23.9%
2.99%
0% for 3 months reverting to 23.9%
£0
23.9% APR (variable)
Representative example: When you spend £1,200 at a purchase rate of 23.9% (variable) p.a., your representative rate is 23.9% APR (variable).
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HSBC No Fee Balance Transfer Credit Card Visa
0% for 16 months reverting to 23.9%
0%
0% for 3 months reverting to 23.9%
£0
23.9% 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 23.9% (variable) p.a., your representative rate is 23.9% APR (variable).
Check eligibility
NatWest Balance Transfer Credit Card
0% for 19 months reverting to 23.9%
0%
0% for 3 months reverting to 23.9%
£0
23.9% APR (variable)
Representative example: When you spend £1,200 at a purchase rate of 23.9% (variable) p.a., your representative rate is 23.9% APR (variable).
Go to site
HSBC Purchase Plus Credit Card
0% for 17 months reverting to 23.9%
2.99%
0% for 20 months reverting to 23.9%
£0
23.9% 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 23.9% (variable) p.a., your representative rate is 23.9% APR (variable). You might get different interest rates and promotional periods to those shown here, because these depend on your circumstances.
Check eligibility
Royal Bank of Scotland Purchase & Balance Transfer Credit Card
0% for 23 months reverting to 23.9%
2.9%
0% for 23 months reverting to 23.9%
£0
23.9% APR (variable)
Representative example: When you spend £1,200 at a purchase rate of 23.9% (variable) p.a., your representative rate is 23.9% APR (variable).
Check eligibility
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Name Product Purchases Balance transfers Annual/monthly fees Representative APR Incentive Link
Royal Bank of Scotland Purchase & Balance Transfer Credit Card
0% for 23 months reverting to 23.9%
0% for 23 months
(2.9% fee)
£0
23.9% APR (variable)
Representative example: When you spend £1,200 at a purchase rate of 23.9% (variable) p.a., your representative rate is 23.9% APR (variable).
Check eligibility
NatWest Purchase & Balance Transfer Credit Card
0% for 23 months reverting to 23.9%
0% for 23 months
(2.99% fee)
£0
23.9% APR (variable)
Representative example: When you spend £1,200 at a purchase rate of 23.9% (variable) p.a., your representative rate is 23.9% APR (variable).
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M&S Bank Shopping Plus Credit Card
0% for 21 months reverting to 23.9%
0% for 18 months
(2.9% fee, min £5 fee)
£0
23.9% APR (variable)
1 point per £1 spent with M&S and 1 point per £5 spent elsewhere. Enjoy 55 days interest free, preferential rates plus no cash advance fee when buying M&S travel money with the card.
Representative example: When you spend £1,200 at a purchase rate of 23.9% (variable) p.a., your representative rate is 23.9% APR (variable).
Check eligibility
HSBC Purchase Plus Credit Card
0% for 20 months reverting to 23.9%
0% for 17 months
(2.99% fee)
£0
23.9% 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 23.9% (variable) p.a., your representative rate is 23.9% APR (variable). You might get different interest rates and promotional periods to those shown here, because these depend on your circumstances.
Check eligibility
Santander All in One Credit Card
0% for 15 months reverting to 21.9%
0% for 15 months
(0% fee)
£3 per month
27.7% APR (variable)
0.5% 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 21.9% (variable) p.a. with a fee of £3 per month, your representative rate is 27.7% APR (variable).
Check eligibility
HSBC Rewards Credit Card
0% for 6 months reverting to 23.9%
0% for 6 months
(0% fee)
£0
23.9% APR (variable)
Earn 1 point for every £5 spent on purchases. Bonus 2,500 reward points on anniversary if £10,000 spent in previous year. 1 point = 1p (no min)
Representative example: When you spend £1,200 at a purchase rate of 23.9% (variable) p.a., your representative rate is 23.9% 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 an enhanced rate of 1 point per £1 spent on fuel. Points are converted to Tesco vouchers which can be used towards shopping or exchanged for Partner Rewards. 1 point = 1p (min 250pts)
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 22.9%
0% for 22 months
(2.9% fee)
£0
22.9% APR (variable)
Buy tickets for up to 3500 selected live events through Barclaycard entertainment and get 5% off tickets per year and exclusive presale tickets on selected festivals with 10% off ticket prices.
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).
Ulster Bank Purchase & Balance Transfer Credit Card Mastercard
0% for 23 months reverting to 23.9%
0% for 23 months
(2.99% fee)
£0
23.9% APR (variable)
Representative example: When you spend £1,200 at a purchase rate of 23.9% (variable) p.a., your representative rate is 23.9% APR (variable).
MBNA 0% Transfer and Purchase Credit Card
0% for 22 months reverting to 22.94%
0% for 22 months
(2.99% fee)
£0
22.9% APR (variable)
Earn up to 15% cashback on purchases through Smart Rewards at popular retailers.
Representative example: When you spend £1,200 at a purchase rate of 22.94% (variable) p.a., your representative rate is 22.9% APR (variable).
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Name Product Annual/monthly fees Initial credit limits Minimum income Representative APR Incentive Link
Tymit Credit Card
£0
Min. limit £500, max. limit £15,000.
Not specified
22.9%
Representative Example: 22.9% (variable) based on a borrowing of £1200 over 12 months with no annual fee.
Ocean Credit Card
£0
Min. limit £200, max. limit £1,500.
Not specified
24.9%
Representative example: When you spend £1,200 at a purchase rate of 39.94% (variable) p.a., your representative rate is 39.9% APR (variable).
The Credit Thing card
£0
Min. limit £200, max. limit £1,500.
Not specified
27.9%
Representative example: When you spend £1,200 at a purchase rate of 27.9% (variable) p.a., your representative rate is 27.9% 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 £500, 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).
Tesco Bank Foundation Card
£0
Min. limit £100, max. limit not specified.
£5000
29.9%
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 29.94% (variable) p.a., your representative rate is 29.9% APR (variable).
Bip Credit
£0
Min. limit £250, max. limit not specified.
£5000
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).
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 £1,200 at a purchase rate of 29.9% (variable) p.a., your representative rate is 29.9% APR (variable).
Keebo credit card
Finder Award
Keebo credit card
£0
Min. limit £200, max. limit £5,000.
Not specified
29.98%
Representative example: When you spend £1,200 at a purchase rate of 29.98% (variable) p.a., your representative rate is 29.98% APR (variable).
Barclaycard Forward Credit Card
£0
Min. limit £50, max. limit £1,200.
£3000
33.9%
Buy tickets for up to 3500 selected live events through Barclaycard entertainment and get 5% off tickets per year and exclusive pre-sale tickets on selected festivals with 10% off ticket prices.
Representative example: When you spend £1,200 at a purchase rate of 33.9% (variable) p.a., your representative rate is 33.9% APR (variable).
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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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