FDIC-Insured - Backed by the full faith and credit of the U.S. GovernmentAt AAA Banking, we believe everyday spending should come with a little extra. That’s why our cash back program gives you real rewards for the purchases you’re already making whether it’s groceries, gas, picking up coffee, grabbing lunch, stocking up on supplies, or booking your next trip. It’s just one more way a AAA membership pays off, combining trusted service with everyday value to help you get more from your money—and more from your membership.
How to Earn & Qualify for Cash Back
To start earning cash back, you must:
- Have a Triple Advantage Checking account
- Have an eligible AAA membership
- Maintain an average monthly balance of $1,500 or more
Your account must also remain open, active, and in good standing, and you’ll need to make qualified purchases using a AAA Banking debit card issued by Grasshopper Bank, N.A.
Eligible Memberships
To qualify for unlimited 1% cash back, you must be a “Basic,” “Plus,” or “Premier” member of AAA – The Auto Club Group (ACG). ACG serves households in Colorado, Florida, Georgia, Illinois, Indiana, Iowa, Michigan, Minnesota, Nebraska, New York, North Carolina, North Dakota, South Carolina, Tennessee and Wisconsin. Applicants must be 18+ and a U.S. resident. Other AAA memberships are not eligible.
Qualified Purchases
Qualified purchases are limited to online and signature-based purchases. Any goods and services purchased that are returned or otherwise credited to the account are not eligible for cash back. Unlawful purchases and purchases of currency, cash or cash equivalents are also not considered qualified purchases.
Signature-Based Purchases
To make a signature-based purchase, select “credit” at point-of-sale kiosks. Typically, the “credit” option is often pre-selected when making purchases online using a debit card, however, the payment transaction type (signature-based or other) is ultimately decided by the merchant and how the transaction is transmitted to Grasshopper Bank at the time of processing. Online subscription payments may not be considered signature-based purchases.
Redeeming Cash Back
We like to keep things simple. There's no need to track points or jump through hoops—your unlimited 1% cash back is automatically applied as a credit to your account each month. It’s just one of the ways we make everyday banking easier and a little more rewarding.
How to Track Your Cash Back
To make things even easier, we’ve built user-friendly tools into your online and mobile banking experience so you can easily keep track of your cash back earnings in real time. For more information, refer to our Cash Back User Guide.
How to Maximize Your Cash Back
Want to make the most of your rewards? There are several different ways to maximize your cash back rewards:
- Use your AAA Banking Debit Card for everyday purchases
- Add your card to your favorite digital wallet for quick, secure checkout
- Always choose “credit” at checkout to ensure the transaction qualifies
- Set up automatic payments for monthly bills
Support
For questions or concerns about cash back, you contact Customer Service Monday-Friday 9am-9pm ET by dialing 855.999.2265 or emailing support@acg.grasshopper.bank.
For your convenience, we also offer support via secure message or chat.
AAA Banking services are provided by Grasshopper Bank, N.A. Member FDIC. For full terms and conditions about our products and services, please refer to the Master Service Agreement.