Rewards

1% cash back for every eligible purchase (business-related purchases and activities are not eligible)


Costs

Annual fee

$0

Penalty APR

N/A

Late Fee

Up to $40

Returned Payment Fee

Up to $35

Additional Cards Annual Fee

$0

Foreign Transaction Fee

None


Cash Advances

Borrowing cash on your credit card is a cash advance. Cash advances usually come with very high fees. Even worse, cash advances can signal to lenders that you’re being irresponsible with money.

Cash Advance APR

26.99% Variable

Cash Advance Fee 

5%, $10 minimum


Balance Transfers

A balance transfer is a way to move credit card debt from one credit card to another with the goal of saving money on interest.

Intro Balance Transfer APR

0% for 12 billing cycles

Regular Balance Transfer APR

15.99%–24.99% Variable

Balance Transfer Fee

3%, $10 minimum


Highlights

1% cash back for every qualifying purchase

World Mastercard or Platinum Mastercard benefits, depending on creditworthiness

0% intro APR for purchases and balance transfers for 12 billing cycles, then your rates will be 15.99%–24.99% Variable

No annual fee

AAA Dollars® Mastercard®

From fair To exceptional ( Credit Recommended Fair )

AAA Dollars® Mastercard®

You’ll need a AAA membership to apply for this card, and depending on your zip code, this card may not be available to you or you may get a different offer. You can take advantage of a 40% bonus when you redeem your points for AAA gift cards, as well as a long 0% intro APR period for purchases and balance transfers.

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pros and cons

Have Cash Back

No Foreign Transaction Fee

No Annual Fee

Cost

Annual Fee

$0

Purchase APR

None

Foreign Transaction Fee

Cash Back

1%

Credit Score

Fair

Menards

Menards is a chain of home improvement stores located in the Midwestern United States, owned by founder John Menard Jr. through his privately held company, Menard, Inc. Menards® home improvement stores are conveniently located throughout the Midwest in a 14-state region. From the novice do-it-yourselfer to the experienced contractor, Menards® has something for everyone! As a family-owned and operated business, Menards® is truly dedicated to service and quality and is the place to "Save BIG Money!®" on all your home improvement needs.

Shell Co-Branded Credit Card

Shell credit cards offer rewards for your purchases at Shell and provide a more secure way to do your shopping. Filling up has never been so rewarding! Shell is the number one global lubricant supplier, delivering market-leading lubricants to consumers in over 100 countries. Shell Lubricants brings world-class technological insights to its products, offering you the best formulations for your vehicle.

Related Credit Card/Article

OnlineThe only way to fill out a AAA Credit Card application is online. There is no way to apply over the phone or in-person, but applying online is easy. Just provide your AAA Membership ID, full name, mailing address, Social Security number, and other personal info. After you submit your
A AAA membership is required to apply for this card, and depending on where you live, this card may not be available to you or you may receive a different offer. You’ll get a long 0% intro APR period for purchases and balance transfers, and you can get up to a 40% bonus when you redeem your points for AAA gift cards.
AAA Dollars® Plus Mastercard
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You’ll need a AAA membership to apply for this card, and depending on where you’re located, this card may not be available to you or you may receive a different offer. If approved, you’ll either receive a World Mastercard or Platinum Mastercard with different benefits.
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