Cookies at Which? We use cookies to help improve our sites. If you continue, we'll assume that you're happy to accept our cookies. Find out more about cookies

Back to table

AA Balance Transfer Credit Card

AA Balance Transfer Credit Card

? customer score 72%

Represent­ative APR (variable) Purchase interest p.a. Cash withdrawal APR Annual card fee
The interest rate for borrowing that at least 51% of the customers accepted will pay.
The annual interest rate you'll pay on new purchases.
The interest rate you'll pay on cash you withdraw from an ATM.
The fee you'll pay for having the card each year, if any.
18.9% APR 18.9% 27.9% £0

Reward scheme details

0% for 41 months on balance transfers is only available on transfers made within the first 3 months of account opening. 3.25% fee applies. 0% for 3 months on purchases is only available if a transaction is made within the first 3 months of account opening. Manage your card on the go with the AA Credit Card mobile servicing app.

Representative Example
Assumed borrowing of £1,200 for 1 year, at a Purchase Rate of 18.9% (variable), representative 18.9% APR (variable). Credit available subject to status.

AA customer satisfaction scorecard:

How do we work this out?
Keeping you up to date with new deals Transparency of charges / penalties Online account management Customer service Overall customer score


n/a = sample size is too small.

We have not been able to rate this provider as our customer satisfaction survey didn't generate a big enough sample of its customers but we aim to rate as many providers as possible

Eligibility to open an account

Can be used for building credit rating No
Minimum income required to open account £8,000
Opening account is by invitation only No
Account is for existing customers only No
Further notes about eligibility You must have a good credit rating to apply AA Credit Cards are provided by Bank of Ireland UK. AA Financial Services Limited is a credit broker and not a lender
Minimum age to open an account 18

Intro balance transfers

Rate period 41 months
Annual interest 0.0%
Fee 3.25%
Fee min N/A
Fee max N/A
Limit period days 90

Intro purchases

Rate period 3 months
Annual interest 0.0%

Standard balance transfers

Annual interest 18.9%
Fee 3.25%
Fee min N/A
Fee max N/A

Standard purchases

Annual interest 18.9%

Standard cash

Annual interest 27.9%

Other features

Repayment details

Maximum interest free days (purchases) 56
Days to pay 22
Monthly payment min % 2.5%
Monthly payment min £ £5

Card charges

Returned payment fee £12
Late payment £12
If you exceed credit limit £12

Foreign usage

Foreign usage fee (Europe) 2.99%
Foreign usage fee (worldwide) 2.99%

Cash withdrawal fees

Charges for cash withdrawals Yes
Cash withdrawal percent 2.99%
Minimum charge £3

Available to manage

Online Yes
Branch No
Telephone No

Reward schemes

Reward is charity donation No
Reward is cash back No
Reward is Airmiles No
Reward is points No
Reward is vouchers No
Reward is travel No
Reward is Avios No
Reward is discount No

Repayment note

If you do not pay the total outstanding balance in full by the payment due date, the amount you pay will be allocated to higher interest rate balances before lower interest rate balances. Where fees and charges are payable, your payment will be allocated to the interest rate applicable to these fees and charges relating to any higher interest rates first.