AAA MemberPay Visa® Prepaid Card

A reloadable card, AAA MemberPay is a smart payment solution for travel budgeting and expenses, making online transactions and sharing funds with family. It's not a credit card or linked to a checking account, shielding finances and personal information from virtual spending risks. You spend only what you load, and it's easy to reload!

AAA MemberPay Features and Benefits

  • Card Security—With Visa’s Zero Liability policy, the liability for unauthorized transactions is $0—you pay nothing¹. All cards also offer EMV chip technology including up to two secondary cards.

  • Convenient Cash Access—MemberPay offers a large fee-free² ATM network in the U.S. and 24-hour access to cash in local currencies at ATMs abroad subject to foreign transaction fee.

  • Multiple Reload Methods—Add money in person, online or on mobile app³ with several reload options at no cost². See Cardholder Agreement for pricing.

    • Through Direct deposit
    • Online or with the MetaWallet mobile app³ by ACH bank transfer, debit/credit card or check
    • At participating AAA locations
    • At third-party networks accepting cash reloads (MoneyGram®, Western Union®, Green Dot® or Visa® ReadyLink locations)
    • Personalized Cards—Primary cardholders automatically receive a personalized card after the first card reload; personalized secondary cards are also available.

    Visit your local AAA to purchase a card. 

    A Multi-Use Payment Solution

    suitcase icon

    Savvy travel money option

    • Emergency cash and card replacement as well as lost luggage reimbursement
    • Worldwide Visa acceptance, plus ATM access
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    Smart online payments

    • Secure way to use online without concern of primary financial account information being compromised.
    • Built-in budgeting because you set the amount available to spend, but can easily add more funds when needed
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    Easy method to share funds

    • Quick reload options to get dependents money whether they are at home or away
    • Account monitoring with an easy mobile app² that can manage multiple cards at a glance
    • Up to two companion cards per primary account are available; cards must be purchased at time of primary account opening and are not sold online
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    Simple budgeting tool

    • Spend tracking to set goals and monitor your progress
    • Modern approach to envelope budgeting for specific expenses, and a way to save money over time

    MetaWallet Mobile App

    Anywhere, anytime access

    Account management at your fingertips

    • Easy signup and sign-in—Use your device camera to capture your card information for fast signup, and eliminate sign-in hassles by using fingerprint authentication.

    • Simple, time-saving and comprehensive—See balances, transactions, and deposits when they are available.

    • Know your balance—For those unexpected purchases or payments, view your current balance without having to sign in to the app.

    • Stay on top of your money—Get text or email alerts3 for low balance, verified transactions, and when funds are loaded.

    • Reload funds quickly—Find reload locations to add cash to your card, get your direct deposit information, or load a check4 right in the app.

    The MetaWallet app is a free download2 for iPhone and Android.

    Download Apple Download Android

    For fees and other information view the Cardholder Agreement and Frequently Asked Questions.

    1. Visa's Zero Liability policy covers U.S.-issued cards only and does not apply to ATM transactions, PIN transactions not processed by Visa, or certain commercial card transactions.  Cardholder must notify issuer promptly of unauthorized use.  Consult issuer for additional details or visit
    2. While this feature is available for free, certain other transaction fees and costs, terms, and conditions are associated with the use of this card. See Cardholder Agreement for more details.
    3. Standard text message rates, fees, charges, and other third-party fees may apply.
    4. Ingo Money is a service provided by Ingo Money, Inc. and First Century Bank, National Association, Member FDIC, subject to Ingo Money and First Century Bank Terms & Conditions and Privacy Policy. Approval review usually takes 3-5 minutes, but may take up to one hour. All checks are subject to approval for funding in Ingo Money’s sole discretion. Unapproved checks will not be loaded to your card. Ingo Money reserves the right to recover funds from bad checks if you knew the check was bad when you submitted it, if you attempt to cash or deposit it elsewhere after funding or if you otherwise act illegally or fraudulently. Fees may apply for loading or use of your card. See your Cardholder Agreement for details. Message and data rates may apply.

    App Store is a service mark of Apple Inc. Google Play is a trademark of Google Inc.