There are probably not many unbiased or honest websites out there that will tell you what Motor Club of America (MCA) is really all about and whether or not it’s a good business to join if you want to make money.

What is this Motor Club Of America review all about?

In this  review I will shed some light on the MCA Business Opportunity and tell you why I personally will not recommend this business to someone who really wants to generate income on the Internet or from home.

So if it’s important to understand how the MCA business opportunity works and what it might mean for you then keep reading!

This is an unbiased Motor Club of America Business Opportunity Review. I will attempt to provide enough factual information about the Company, Product(s), and Compensation plan for you to be able to make an informed decision.

NOTE: Unbiased (meaning I am not a distributor of their products/services and I do not promote their business opportunity). Your decision to join or not join the MCA business opportunity is entirely up to you.

So let’s get to it shall we?

Company Profile – Background and History

COMPANY NAME:  Motor Club of America Enterprises, Inc.
INDUSTRY: Car Service, Road Service-Automotive, Legal Services Plans, Attorney Referral Service, Investment Securities
FOUNDERS: Virgil Coffee, Larry Melton, and David Kircher
COST: Free to join
WEBSITE: (network marketing arm)
REACH: USA & Canada only


I want to make it perfectly clear from the start that there is no official website for the service side of Motor Club of America . 

There are many TVC Matrix associates with websites that have been designed to appear like they are the official Motor Club of America website including: registered to Rodney Walker – Justine J Allen DBA CCB Marketing registered to RE Enterprises Elsenrath

The additional sites located on the same server are:

There isn’t an about page or any company history listed on the TVC Matrix (marketing site) either.

NOTE: DO NOT confuse National Motor Club of America as MCA. They are two totally separate companies. 

What I did find, several websites and information materials that claim,

Motor Club of America was founded in 1926 by three brothers in New Jersey. Currently based out of Oklahoma City, OK with 6 offices statewide and have over 250 employees to serve its clients.

What Are the MCA Products?

Motor Club of America is a membership program that offers emergency roadside assistance and other benefits including trip planning travel discounts, bail bonds, lawyer fees, stolen vehicle reward, travel assistance reimbursement, credit card protection, farm equipment reward, prescription dental and vision discounts, travel assistance program, emergency room benefit, daily hospital benefit to replace your income, and accidental death benefits.

Motor Club of America membership levels on the TVC Matrix website have five membership plans:

MCA Security Price: $9.95
MCA Security Plus Price: $14.95
MCA Total Security Price: $19.95
MCA Total Security Gold Price: $29.99
MCA Total Security Platinum Price: $39.99

I have also listed some other plans from their website but I am not sure how these additional plans earn you commissions.

Pro-Driver 4885 Plan Price: $48.85
Pro-Driver Green Plus Price: $31.90

If someone wants to purchase a MCA plan, they will have to also must pay the first and last months fee upfront.

For example, if someone purchases the Total Security Platinum package for $39.99.

They will pay a total of $79.98 (2x$39.99), then $39.99 monthly.

The Compensation Plan

The MCA bonus compensation plan is actually a 3×8 network marketing forced matrix plan.


NOTE: A network marketing Matrix Plan also known as ladder Plan or Forced Matrix Plan in Multi-level marketing companies which is similar to pyramid shape. Members which are organized in a particular width and depth are compensated when they achieve a set level. The MLM Company can set structure for members to qualify a particular level that may be 3 in width and 8 in depth. In other words a distributor only can introduce 3 as his front-line and a member can earn compensation up to 8th level.

You must be a Platinum member to be eligible to earn and receive commissions on your downline.

You can earn commissions two ways with MCA

Personal Selling

Retail commissions are paid out weekly on the sale of MCA Total Security membership packages that MCA referral associates make.

If you sell any Total Security Plan to a person you will make a $79.90 ($80 rounded up) commission.

Team Selling

MCA associates will earn an additional residual income stream from their downline through MCA’s 3×8 forced matrix compensation program.

Additionally, you earn $6 for each member recruited by your own personal downline and 66 cents for each member in your entire downline.

Insurance Bonus

MCA associates also earn an extra bonus for seeing additional memberships each month.

$100 – 45 Memberships per Month – Average 11.25 Memberships per Week
$213 – 65 Memberships per Month – Average 16.25 Memberships per Week
$380 – 85 Memberships per Month – Average 21.25 Memberships per Week
$480 – 105 Memberships per Month – Average 26.25 Memberships per Week
$525 – 190 Memberships per Month – Average 47.50 Memberships per Week
$600 – 250 Memberships per Month – Average 62.50 Memberships per Week


Hand waving a red flagYes, unfortunately I do have some concerns about this business opportunity.

Concern #1: I am concerned about the lack of  transparency of this company.

For example there are claims that the company has been around since 1926.

However, all I have been able to find is in the State of Oklahoma Records.

There isn’t a company registered to do business in Oklahoma under the name TVC Matrix or MCA, according to the Oklahoma Secretary of State records.

FACT: And according to New Hampshire records, Motor Club of America is a registered insurance company as Motor Club of America Enterprises, Inc. and is located at 3200 W. Wilshire Blvd, Oklahoma City, OK 73116

A search of corporate records says Motor Club of America Enterprises, Inc. is originally a Delaware corporation that was formed in 1973,  not 1926.

Concern #2: My other main concern is how MCA it is being promoted.

The websites that look like they are the official Motor Club of America sites are created by other promoters of the MCA business opportunity.

There are a number of associates making false claims or posting pictures holding large amounts of money.

They are making videos on YouTube doing the same thing.

These actions are what get companies investigated by the FTC and eventually shut down.

At this time there are no major concerns or major issues at the BBB. Motor Club of America is NOT a member of the Better Business Bureau (BBB) Accredited Business.

At the time of this post there were 47 complaints closed with BBB in last 3 years and 8 closed in last 12 months.

The majority of the complaints (28) were Problems with the Products/Services, (10) Advertising/Sales Issues and (8) Billing/Collections issues.

Their current BBB rating is: 


Is the MCA business opportunity right for YOU?

Since this is a comprehensive (MCA) Motor Club of America Business Opportunity review I have listed the pros as well as the cons below:


The Pros

  • Upfront commissionable income on membership sales.
  • Residual income opportunity on membership benefit packages.
  • Multiple ways to get paid through Personal Selling or Team Building.
  • Not required to purchase any of the memberships to sell the products.

 The Cons

  • Lack of transparency by the company.
  • You get a charge back if your downline doesn’t fulfill their 17 months and cancel their subscription which means you get charged for it
  • Production based comp plan that will require heavy recruiting and building large teams to sustain and maximize income potential.
  • False income claims are constantly made by MCA representatives without an income disclosure which is against FTC guidelines.
  • Limited to USA & Canada only

How Do I Join MCA?woman-thinking

There is no cost to join MCA and become an associate or referral agent. However to earn commissions and get paid you must at a minimum purchase the Total Security Member Benefits package for $19.95 at sign up.

Once you’re registered you can start building your MCA business.

WARNING: Less than: 2% of MCA Reps will Make Money!

Its a statistical fact that an overwhelming majority of MCA will lose money and never achieve the financial freedom they dream about.

How many we may never really know because Motor Club of America has not published an income disclosure statement.

What we do know is that most MCA associates will never achieve financial freedom or the level of success they desire.

Hard work and dedication will only get you so far. That is only one part of the strategy for success.

The other part that is not often discussed is having the right mindset, training and marketing tools in place – preferably before you join or shortly thereafter!

Quite frankly, if you are new to direct sales or an inexperienced marketer chances are you will become frustrated and quit 90-120 days after joining unless you take the time to invest in and develop the necessary marketing skills you need to avoid becoming a failure statistic.

Not investing in the proper marketing training and marketing tools is why most MCA associates don’t see results and ultimately fail!

If you do not have the money to invest in your personal education in order to develop the skills necessary you are already in trouble.

Yes, being your own boss sounds great until you realize how much work and additional money it really takes to be successful.  Please don’t be a fool. Network marketing is a lot of hard work! But if you are willing to labor in the vine yard consistently for 3-5 years the rewards and the benefits are incredible!

So Can I Make Money With MCA?

Yes, as with any network marketing or referral business opportunity you can make money with MCA.

There are plenty of people that have made anywhere from a few hundred dollars to thousands.  How much money will be totally up to YOU!

Most people that have made money with MCA are experienced internet or network marketers that understand how to quality drive traffic to their MCA business opportunity site.

The challenge with MCA and any other network marketing opportunity for that matter is that simply joining MCA will not automatically make you money or successful.

At the end of the day, your success will depend on your ability to generate an endless flow of high quality leads.

My Final Thoughts…

You should always make sure you get to know as much about the company as you can before making a decision.

So continue to read as many MCA reviews as you possibly can while  researching this company. 

If you do a search on Google for this company and products, you will find some  negative websites, blogs and consumer comments, but that is typical for any business. How the company handles the complaints is key.


Although there are people that seem to be making money, I really can’t recommend MCA to you if you are someone that is looking to make money online especially if you are a complete beginner.

I have some REAL concerns about the future of this company and some of the poor marketing practices a lot of the MCA reps are using to promote the MCA opportunity.

Remember Wake Up Now and Vemma?

If you are new to the direct sales and network marketing industry its important that you are very careful about choosing a company.

Don’t ever jeopardize your reputation with your friends and family over a borderline business opportunity.

And please don’t let the hype of making a lot of money or making money fast cause you to make a poor financial decision.

If you are interested in making money online I do have something that works and can teach you how to build an affiliate marketing business from scratch no matter your experience level, just click here.

Thanks for checking out this Motor Club of America Business Opportunity Review.

To Your Success!
charles lenoir

P.S. Would you like to earn while you learn? I’ll show you how you can make money online while learning how to build a profitable internet business, click here now.

Your comments are welcomed below,  please share your MCA experiences.