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Review: AA FuelSave Credit Card

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This is my review of the AA FuelSave Credit Card.

Head for Points mainly focuses on credit cards which offer airline miles or hotel loyalty points for your spending.  However, it is pointless taking frequent flyer miles if there are better deals available from cashback credit cards such as the AA FuelSave Credit Card.

Link:  AA FuelSave Credit Card

Key facts:  The AA FuelSave credit card has no annual fee for the first 12 months.  After 12 months an annual fee of £42 applies, taken as 12 monthly payments of £3.50.

The AA FuelSave credit card has a representative APR of 22.4%, including the fee, based on a notional credit limit of £1,200.

The card is issued by Bank of Ireland UK.

AA Low Rate credit card

How much cashback do I earn?

The free card, Cashback, pays you back 0.5% of your general spending.

You will also receive:

2% of your fuel spend if your total spending that month is under £500

4% of your fuel spend if your total spending that month is £500 or more

This is a generous package, especially for those with heavy petrol or diesel bills.

How is cashback paid?

Cashback is paid quarterly and is added to your card as a statement credit.

The maximum cashback you can earn is £150 per year.

What other benefits do I get?

You receive FREE AA Breakdown Cover in your first year, followed by a FREE MOT every year you hold the card.

If you are already an AA member you receive a FREE MOT in the first year instead of breakdown cover.

The card is free for the first 12 months, saving you £42.

Conclusion

This is a good value package in the first year, when there is no annual fee and you receive free breakdown cover as well.

Whether you continue with the card after Year 1 will depend on how much cashback you are getting and whether you value the free MOT that you will receive.

If you wanted to switch to a ‘free for life’ cashback card at that point, there are a few available which pay a similar 0.5%.  The ASDA Cashback Credit Card is one example.

You can apply for AA FuelSave credit card on the AA website here.


Want to earn more points from credit cards? – August 2022 update

If you are looking to apply for a new credit card, here are our top recommendations based on the current sign-up bonuses.

In February 2022, Barclaycard launched two exciting new Barclaycard Avios Mastercard cards with a bonus of up to 25,000 Avios. You can apply here.

You qualify for the bonus on these cards even if you have a British Airways American Express card:

Barclaycard Avios Plus card

Barclaycard Avios Plus Mastercard

25,000 Avios for signing up and an upgrade voucher for spending £10,000 Read our full review

Barclaycard Avios card

Barclaycard Avios Mastercard

5,000 Avios for signing up and an upgrade voucher for spending £20,000 Read our full review

You can see our full directory of all UK cards which earn airline or hotel points here. Here are the best of the other deals currently available.

EDIT: Until 25th October 2022, there is an exceptionally generous sign-up bonus on The Platinum Card. You will receive 60,000 Membership Rewards points – double the usual amount – and £200 to spend at Amex Travel. You need to spend £6,000 within six months to earn the bonus.

British Airways BA Premium Plus American Express Amex credit card

British Airways American Express Premium Plus

25,000 Avios and the UK’s most valuable card perk – the 2-4-1 voucher Read our full review

American Express Amex Gold

American Express Preferred Rewards Gold

Your best beginner’s card – 20,000 points, FREE for a year & two airport lounge passes Read our full review

American Express Platinum card Amex

The Platinum Card from American Express

60,000 points, £200 travel credit and an unbeatable set of travel benefits – for a fee Read our full review

Virgin Rewards Plus credit card

Virgin Atlantic Reward+ Mastercard

15,000 points bonus and 1.5 points for every £1 you spend Read our full review

Earning miles and points from small business cards

If you are a sole trader or run a small company, you may also want to check out these offers:

Amex Platinum Business American Express

American Express Business Platinum

40,000 points sign-up bonus and a long list of travel benefits Read our full review

American Express Business Gold

20,000 points sign-up bonus and free for a year Read our full review

British Airways Accelerating Business American Express card

British Airways Accelerating Business American Express

30,000 Avios sign-up bonus – plus annual bonuses of up to 30,000 Avios Read our full review

Capital On Tap Business Rewards Visa

10,500 points bonus – the most generous Avios Visa for a limited company Read our full review

For a non-American Express option, we also recommend the Barclaycard Select Cashback card for sole traders and small businesses. It is FREE and you receive 1% cashback on your spending.

Barclaycard Select Cashback credit card

1% cashback (3% on business travel for four months) and no annual fee Read our full review

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