Posting its strongest growth in a decade, the American Automobile Association said participation in its Visa and MasterCard programs rose 18% in 1994, bringing total cards issued to 3.8 million.

The Orlando-based motor club federation also said at its annual meeting in San Antonio that its nine participating banks have opened about three million AAA accounts. About 2.4 million of them are Visa; the rest, MasterCard.

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