AA Credit Card, offered by Bank of Ireland UK Plc, is one of the most popular credit cards in the UK It is marketed as a travel and rewards card that is perfect for people who love to travel and want to earn rewards on their spending But as with any other credit card, it is important to do your research before deciding to apply for one.
So, we’ve put together a comprehensive review of the AA Credit Card with the help of reviews from customers who have used the card.
Annual Fee and APR
The AA Credit Card does not have an annual fee, which is a big plus for many people However, the representative APR for the card is 22.9%, which is quite high This is a variable rate, meaning it can change depending on the Bank of England base rate and your credit score.
Rewards and Offers
The AA Credit Card offers a range of rewards and offers, making it a popular choice for people who like to travel One of the main benefits of the card is the 0% interest rate on purchases for the first 16 months This can be a great way to spread the cost of a big purchase over several months without having to pay any interest.
The card also offers 0% interest on balance transfers for the first three months with a fee of 2.7% of the balance transfer amount After the three months, the interest rate goes up to 22.9%, so it’s important to pay off the balance transfer as soon as possible.
One of the other benefits of the AA Credit Card is the rewards program You earn 0.5% cashback on all purchases made with the card Plus, if you spend £500 or more on the card in the first three months, you’ll receive £20 cashback This is a great way to earn rewards on your everyday spending.
Customer Service
When it comes to customer service, the AA Credit Card receives mixed reviews Some customers have reported that the customer service is excellent and that they have had no problems with their card However, others have reported slow response times to queries and issues with their account.
Security
The AA Credit Card has a range of security features to keep your card and account safe AA Credit Card (Bank Of Ireland UK Plc) reviews. For example, you can set up a PIN for your card to prevent anyone else from using it You can also set up alerts to notify you when there has been any activity on your account, such as a transaction or a change to your details.
Overall
The AA Credit Card from Bank of Ireland UK Plc is a good option for people who are looking for a travel and rewards card The 0% interest on purchases for the first 16 months, 0.5% cashback on all purchases and the £20 cashback for spending £500 in the first three months are all strong benefits.
However, the 22.9% APR is quite high, so it’s important to make sure you can pay off your balance in full every month to avoid paying interest charges Additionally, some customers have reported issues with customer service, so it’s worth keeping this in mind before applying for the card.
Reviews from Customers
To get a better understanding of how customers view the AA Credit Card, we took a look at some reviews online Here’s what people had to say:
“Great rewards program and easy to use I love the fact that there’s no annual fee and that I can earn rewards on all of my purchases.”
“The customer service is terrible I’ve had problems with my card and it takes forever to get through to anyone on the phone.”
“Good card if you travel a lot I’ve used it on trips to Europe and the US and never had any problems.”
“I’ve had this card for a few years and it’s been great The rewards are good, and I’ve never had any issues with the card or account.”
Conclusion
Overall, the AA Credit Card from Bank of Ireland UK Plc is a good option for people who are looking for a travel and rewards card, with the added benefit of no annual fee However, it’s important to remember the high APR and to make sure you can pay off your balance in full every month to avoid charges Additionally, some customers have reported issues with customer service, so this is worth keeping in mind before applying for the card.
So, if you’re looking for a travel and rewards card, the AA Credit Card could be the right choice for you Just make sure to do your research and read up on customer reviews before applying.