Note: The AA FuelSave Credit Card is no longer available.

AA has a new credit card partnership in the UK with Jaja Finance Limited. As of the latest update, there are no new credit card offers available to existing or potential customers; however those with an AA Credit Card already can continue to use it. If you want a rewards credit card, check out our roundup of Best UK Rewards Credit Cards for alternative ideas.

The AA FuelSave Credit Card is a gas card that offers rewards to consumers at the pump. You can earn between 2% and 4% on your petrol, depending on your spending, and 0.5% elsewhere. The rewards structure ideally suits those spending between £72 and £285 a month on fuel. Those spending more than £285 a month on fuel are likely to hit the £150 cap on annual rewards. Due to this annual cap and also monthly spend minimums, this card does take active management of your spending in order to achieve the best results.

AA FuelSave Credit Card Review

The AA FuelSave Credit Card provides rewards on fuel spending, but you'll need to pay attention to your monthly spending if you want to get the most out of the card. Generally speaking, charging your fuel to this card is a good idea, earning at least 2% in rewards. The question is, should you aim for the 4% fuel rate by bringing your overall monthly spend up to £500? We have done the math and found the answer is yes, for the average UK household spend of £100 a month on fuel. By spending £100 a month on fuel and £400 a month on general spending (earning 4% on fuel and 0.5% on other spending), your overall rewards rate for the month will be a solid 1.2%, which is competitive relative to the best cashback cards in the market. Used effectively, this card can be save the average household 4% at the pump.

This card, more than others, needs attention in order be used optimally. If you spend too little, you won’t earn the top rate on fuel. If you spend too much, you’ll quickly hit the annual rewards cap. Once you hit the annual rewards cap of £150, which can be easy to do for heavy drivers, the rest of your spending is best put on another card. The best strategy for this card is to go ahead and use it for your fuel spending, trying to top up your monthly purchases to £500 with non-fuel spending. This qualifies you for the top 4% rate on fuel for the month. You need to track your rewards. Once you have earned £150 of rewards, leave the FuelSave card in your wallet for the rest of the year.

Annual Rewards as a Function of Monthly Fuel Spend on the AA FuelSave Card, assuming Total Monthly Spend of £500

While the AA FuelSave card charges an annual fee of £42, we think this cost is largely offset by one of FuelSave’s perks: after the first year (during which the annual fee is waived anyway), the AA FuelSave card entitles you to a free MOT test. The government sets a maximum MOT charge of £54.85, although it is not uncommon to find MOT offers of around £30. Therefore the free MOT roughly offsets the annual fee.

Bottom Line: The AA FuelSave Credit Card offers rewards rates on fuel, reliably returning a generous 2% on your fuel spending, with the possibility of 4%. However, this card takes active management to achieve the top fuel reward rate. Avoid using once you’ve reached the annual rewards cap of £150.

AA FuelSave Credit Card Features

The AA FuelSave Credit Card rewards cardholders with 4% cashback on fuel if you spend at least £500 a month total on your card or 2% cashback on fuel if you spend less than £500 a month. The £500 monthly purchase requirement can be satisfied by all purchases on your card, including fuel. You’ll also receive 0.5% back on all other purchases.

AA FuelSave cashback will appear as a statement credit every quarter. Your annual rewards are capped at a maximum of £150 in cashback a year. While the card charges an annual fee, this is largely offset by the free MOT given every year with the card. The AA FuelSave card accumulates points at a number of national retailers, including: