ANNUAL FEE
—
PURCHASE APR
34.99% – 34.99%
Rate based on subject to credit approval and new accounts as of 7/31/25: purchase apr 34.99% and existing cardholders should see their credit card agreement terms.
SIGN-UP BONUS
150
Get 15% back (up to $150) via Visa® Prepaid Card by mail or email when you make a purchase of $499 or more with your AAMCO Credit Card at a participating AAMCO location. Offer valid February 1, 2026 – March 31, 2026. Rebate form must be submitted online or postmarked by 4/30/2026.
TOP CASH BACK
—
This card carries no cash back or rewards program.
Key Benefits
- 6 months promotional financing on purchases of $199 or more at participating AAMCO locations
- 12 months promotional financing on purchases of $750 or more at participating AAMCO locations
- Accepted at participating AAMCO locations and over 500,000 auto parts and service businesses
- Use your card to fuel up at 200,000+ stations nationwide across all major gas brands
- Gas station purchases are not eligible for promotional financing
Important Limitations
- Those seeking rewards or cash back on everyday non-automotive purchases
- Those who carry a balance and cannot pay off the promotional balance in full before the promo period ends, due to the high purchase APR of 34.99%
- International purchases as card is valid in the U.S. and Puerto Rico only
Fees & APR
ANNUAL FEE
—
REGULAR PURCHASE APR
34.99% – 34.99%
FOREIGN TRANSACTION FEE
0%
Card Protection & Benefits
6 Months Promotional Financing
- ✓6 months promotional financing on purchases of $199 or more at participating AAMCO locations. Qualifying purchase amount must be on one receipt. No interest will be charged on the promo balance if you pay it off in full within the promo period. If you do not, interest will be charged on the promo balance from the purchase date.
- ✓Purchase of $199 or more on one receipt
- ✓Purchase must be made at a participating AAMCO location
- ✓Gas station purchases are not eligible for promotional financing
12 Months Promotional Financing
- ✓12 months promotional financing on purchases of $750 or more at participating AAMCO locations. Qualifying purchase amount must be on one receipt. No interest will be charged on the promo balance if you pay it off in full within the promo period. If you do not, interest will be charged on the promo balance from the purchase date.
- ✓Purchase of $750 or more on one receipt
- ✓Purchase must be made at a participating AAMCO location
- ✓Gas station purchases are not eligible for promotional financing
Best Use Cases
IDEAL FOR
- AAMCO customers who need to finance auto repair and transmission services
- Those who want deferred interest financing on large auto repair purchases
- Those who frequently purchase gas at major gas station brands nationwide
- Cardholders seeking acceptance at over 500,000 auto parts and service businesses
NOT RECOMMENDED FOR
- Those seeking rewards or cash back on everyday non-automotive purchases
- Those who carry a balance and cannot pay off the promotional balance in full before the promo period ends, due to the high purchase APR of 34.99%
- International purchases as card is valid in the U.S. and Puerto Rico only
Maximize Your Rewards Strategy
Months 1–3: Hit the Bonus
- Spend $499.00 to unlock $150.00 bonus
- Effective 30% return on first $499.00
- Time large purchases strategically
- Track progress toward spending goal
- Don't overspend just for the bonus
Ongoing: Optimize Categories
- Prioritize highest-rate qualifying expenses first
- Monitor any annual spending thresholds
- Redeem cash back at minimum thresholds
- Set up autopay to avoid late fees
- Review new offers each year
Customer Support:
1.800.GO.AAMCO
Last updated: Mar 11, 2026
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