aaa travel advantage card review

• Credit Cards
• All Credit Cards
• Find the Credit Card for You
• Best Credit Cards
• Best Rewards Credit Cards
• Best Travel Credit Cards
• Best 0% APR Credit Cards
• Best Balance Transfer Credit Cards
• Best Cash Back Credit Cards
• Best Credit Card Sign-Up Bonuses
• Best Credit Cards to Build Credit
• Best Credit Cards for Online Shopping
• Find the Best Personal Loan for You
• Best Personal Loans
• Best Debt Consolidation Loans
• Best Loans to Refinance Credit Card Debt
• Best Loans with Fast Funding
• Best Small Personal Loans
• Best Large Personal Loans
• Best Personal Loans to Apply Online
• Best Student Loan Refinance
• Best Car Loans
• All Banking
• Find the Savings Account for You
• Best High Yield Savings Accounts
• Best Big Bank Savings Accounts
• Best Big Bank Checking Accounts
• Best No Fee Checking Accounts
• No Overdraft Fee Checking Accounts
• Best Checking Account Bonuses
• Best Money Market Accounts
• Best Credit Unions
• All Mortgages
• Best Mortgages
• Best Mortgages for Small Down Payment
• Best Mortgages for No Down Payment
• Best Mortgages for Average Credit Score
• Best Mortgages No Origination Fee
• Adjustable Rate Mortgages
• Affording a Mortgage
• All Insurance
• Best Life Insurance
• Best Life Insurance for Seniors
• Best Homeowners Insurance
• Best Renters Insurance
• Best Car Insurance
• Best Pet Insurance
• Best Boat Insurance
• Best Motorcycle Insurance
• Travel Insurance
• Event Ticket Insurance
• Small Business
• All Small Business
• Best Small Business Savings Accounts
• Best Small Business Checking Accounts
• Best Credit Cards for Small Business
• Best Small Business Loans
• Best Tax Software for Small Business
• Personal Finance
• All Personal Finance
• Best Budgeting Apps
• Best Expense Tracker Apps
• Best Money Transfer Apps
• Best Resale Apps and Sites
• Buy Now Pay Later (BNPL) Apps
• Best Debt Relief
• Credit Monitoring
• All Credit Monitoring
• Best Credit Monitoring Services
• Best Identity Theft Protection
• How to Boost Your Credit Score
• Best Credit Repair Companies
• Filing For Free
• Best Tax Software
• Best Tax Software for Small Businesses
• Tax Refunds
• Tax Brackets
• Taxes By State
• Tax Payment Plans
• Help for Low Credit Scores
• All Help for Low Credit Scores
• Best Credit Cards for Bad Credit
• Best Personal Loans for Bad Credit
• Best Debt Consolidation Loans for Bad Credit
• Personal Loans if You Don't Have Credit
• Best Credit Cards for Building Credit
• Personal Loans for 580 Credit Score Lower
• Personal Loans for 670 Credit Score or Lower
• Best Mortgages for Bad Credit
• Best Hardship Loans
• All Investing
• Best IRA Accounts
• Best Roth IRA Accounts
• Best Investing Apps
• Best Free Stock Trading Platforms
• Best Robo-Advisors
• Index Funds
• Mutual Funds
• Home & Kitchen
• Gift Guides
• Deals & Sales
• Sign up for the CNBC Select Newsletter
• Subscribe to CNBC PRO
• Privacy Policy
• Your Privacy Choices
• Terms Of Service
• CNBC Sitemap

Follow Select

Our top picks of timely offers from our partners

Find the best credit card for you

Aaa visa credit cards review: generous bonus cash-back categories with no annual fee, there are two aaa cash-back credit cards with different bonus spending categories..

The American Automobile Association (AAA) offers two cash-back credit cards that are surprisingly rewarding for certain purchases: The AAA Daily Advantage Visa Signature® Credit Card and AAA Travel Advantage Visa Signature® Credit Card . These cards shine for earning cash back on groceries, gas and EV charging. However, both cards have caps on some the most rewarding spending categories, so they aren't the best fit for everyone.

CNBC Select has the details for the rewards, welcome bonus and rates and fees of these no-annual-fee cash-back credit cards .

AAA Travel Advantage Visa Signature® Credit Card

*You can earn a maximum of $350 in combined cash back each calendar year at gas stations and electric vehicle charging stations, after that purchases earn 1% for the rest of the year.

Welcome bonus

Earn a $100 statement credit when you spend $1,000 within the first 90 days of account opening.

Regular APR

19.24% to 33.24%, based on your creditworthiness

Foreign transaction fee

Balance transfer fee.

Either $10 or 5% of the amount of each transfer, whichever is greater.

AAA Daily Advantage Visa Signature® Credit Card

*You can earn a maximum of $500 in combined cash back each calendar year at grocery stores, gas stations and wholesale clubs, after that purchases earn 1% for the rest of the year

AAA Visa Signature cards review

Benefits and perks, how to earn and use cash back, rates and fees, alternatives to the aaa credit cards, are the aaa credit cards right for you, bottom line.

Both AAA Visa Signature cards have the same welcome bonus, which allows you to earn a $100 statement credit after spending $1,000 within the first 90 days from account opening.

Both of these cards come with a handful of Visa Signature credit card perks , including:

• Three free months of Shipt membership (free delivery on $35+ orders)
• Three free months of Skillshare membership
• Travel and emergency assistance services
• Visa concierge services
• Exclusive access to Sofar events and eligibility for a free ticket per show

The AAA Daily Advantage Visa Signature® Credit Card and AAA Travel Advantage Visa Signature® Credit Card are both cash-back rewards credit cards, but they earn bonus cash back on different purchases.

The AAA Daily Advantage Visa Signature® Credit Card earns:

• 5% cash back on grocery store purchases
• 3% cash back on gas and electric vehicle charging stations, wholesale clubs, streaming services , pharmacy and AAA purchases
• 1% cash back on all other purchases

Cardholders can earn a maximum of $500 combined from the 5% and 3% bonus categories each calendar year at grocery stores, gas stations and wholesale clubs , after that purchases earn 1% for the rest of the year. So if you use this card exclusively for grocery store purchases, you would earn 5% back on $10,000 in spending.

The AAA Travel Advantage Visa Signature® Credit Card earns:

• 5% cash back on gas and electric vehicle charging station purchases
• 3% cash back on grocery stores, restaurants , travel and AAA purchases

The AAA Travel Advantage Visa Signature® Credit Card lets you earn a maximum of $350 in combined cash back each calendar year in the 5% bonus category, after that purchases earn 1% back for the rest of the year. That's the equivalent of spending $7,000 a year at gas stations and electric vehicle charging stations.

You can redeem cash back for a direct deposit or statement credit once you have earned at least $5 in rewards. You can also cash out your rewards for gift cards or merchandise and travel through participating AAA clubs.

Both AAA credit cards have the same rates and fees. There are no annual fees and no foreign transaction fees . Balance transfers and cash advances are charged a 5% fee of the amount of the transaction with a $10 minimum. The standard APR is a variable 19.24% to 33.24% and there is no introductory APR offer . There is a fee of up to $41 for late payments and returned payments.

AAA Daily Advantage Visa Signature® Credit Card vs. Blue Cash Preferred® Card from American Express

The Blue Cash Preferred® Card from American Express is CNBC Select's best credit card for groceries . It has a higher rate of return for groceries than the AAA Daily Advantage Visa Signature® Credit Card on grocery purchases (6% back on the first $6,000 in purchases per year at U.S. supermarkets) and U.S. streaming services (6% back).

It also has a more generous welcome offer and a $0 intro annual fee for the first year, then $95 (see rates and fees ). The Amex Blue Cash Preferred card has better benefits, including return protection, up to $84 a year in Disney Bundle credits ($7 a month with an eligible $9.99 a month Disney Bundle subscription) and up to $120 in annual Equinox credit ($10 a month). These credits can offset the card's annual fee (see rates and fees ), so the decision may come down to how much cash back you'll earn with each card. The AAA Daily Advantage Visa Signature® Credit Card limits select bonus cash-back categories to $500 in rewards each year before the return drops to 1%. So if you expect to earn more cash back than that, the Blue Cash Preferred could be more lucrative.

Blue Cash Preferred® Card from American Express

6% cash back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%), 6% cash back on select U.S. streaming subscriptions, 3% cash back at U.S. gas stations, 3% cash back on transit (including taxis/rideshare, parking, tolls, trains, buses and more) and 1% cash back on other purchases. Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit or at Amazon.com checkout.

Earn a $250 statement credit after you spend $3,000 in purchases on your new card within the first 6 months. 

$0 intro annual fee for the first year, then $95.

0% for 12 months on purchases from the date of account opening

19.24% - 29.99% variable. Variable APRs will not exceed 29.99%.

Either $5 or 3% of the amount of each transfer, whichever is greater.

Credit needed

Excellent/Good

See rates and fees , terms apply.

AAA Travel Advantage Visa Signature® Credit Card vs. Chase Freedom Flex℠

The Chase Freedom Flex earns 5% cash back on the first $1,500 in combined purchases in a variety of rotating quarterly categories . That's a potential $75 in bonus cash per quarter or $300 per year. While this is $50 lower than the $350 annual cash-back cap for the AAA Travel Advantage Visa Signature® Credit Card's 5% bonus category (then 1% back), it applies to a wider range of purchases and the Chase Ultimate Rewards points you earn with the Freedom Flex can be much more valuable.

When you pair the Freedom Flex card with a Chase credit card that allows point transfers such as the Chase Sapphire Preferred® Card or Chase Sapphire Reserve® , you can also transfer the points you've earned with your Freedom Flex card. For example, $300 cash back is 30,000 Chase points, which you can transfer to Hyatt to book a standard night award at a Category 7 hotel, like the Grand Hyatt Kauai Resort & Spa or Park Hyatt Tokyo. A night at these hotels can cost $700+, so having the ability to transfer Chase points dramatically increases the Freedom Flex's value.

Chase Freedom Flex℠

5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate (then 1%), 5% cash back on travel booked through the Chase Ultimate Rewards®, 3% on drugstore purchases and on dining (including takeout and eligible delivery services), 1% cash back on all other purchases

Earn a $200 bonus after you spend $500 on purchases in the first 3 months from account opening. Plus, earn 5% cash back on combined gas station and grocery store purchases (excluding Target and Walmart) on up to $12,000 spent in the first year.

0% for the first 15 months from account opening on purchases and balance transfers

20.49% - 29.24% variable

Intro fee of either $5 or 3% of the amount of each transfer, whichever is greater, on transfers made within 60 days of account opening. After that, either $5 or 5% of the amount of each transfer, whichever is greater.

Member FDIC. Terms apply. Information about the Chase Freedom Flex℠ has been collected independently by Select and has not been reviewed or provided by the issuer of the card prior to publication.

Read our Chase Freedom Flex℠ review.

The AAA Daily Advantage Visa Signature® Credit Card and AAA Travel Advantage Visa Signature® Credit Cards both have value. They have no annual fees and earn cash back, which is always useful and never complicated. If you want to add a card to your wallet to use exclusively for groceries or gas stations, then these cards are hard to beat. However, some of the most rewarding bonus cash-back categories for both cards have an annual limit, then the return drops to 1%. So heavy spenders may be better off with a card with unlimited bonus categories .

Money matters — so make the most of it. Get expert tips, strategies, news and everything else you need to maximize your money, right to your inbox.  Sign up here .

The American Automobile Association offers two co-branded credit cards , the AAA Daily Advantage Visa Signature® Credit Card and AAA Travel Advantage Visa Signature® Credit Card . These are no-annual-fee cash-back cards with generous bonus spending categories. However, the amount of bonus cash-back you can earn each year is capped for select categories (then it drops to 1%), which limits the value for anyone whose spending will exceed these limits.

Why trust CNBC Select?

At CNBC Select, our mission is to provide our readers with high-quality service journalism and comprehensive consumer advice so they can make informed decisions with their money. Every credit card review is based on rigorous reporting by our team of expert writers and editors with extensive knowledge of credit card products . While CNBC Select earns a commission from affiliate partners on many offers and links, we create all our content without input from our commercial team or any outside third parties, and we pride ourselves on our journalistic standards and ethics.

Catch up on CNBC Select's in-depth coverage of  credit cards ,  banking  and  money , and follow us on  TikTok ,  Facebook ,  Instagram  and  Twitter  to stay up to date.

For rates and fees of the Blue Cash Preferred® Card from American Express, please click here .

Clarification: This story has been updated to clarify that certain AAA credit card bonus categories have capped cash-back rates and earn a lower return once that limit is reached.

• What are A.M. Best ratings for insurance? Liz Knueven
• Robinhood Gold Card announced — Earn 3% cash back everywhere Jason Stauffer
• Overhauled Amex Hilton Business card — Up to $240 in statement credits and more Jason Stauffer

Your go-to credit card

Aaa travel advantage visa signature ® credit card.

Meet your go-to credit card for everywhere you go. Using your  AAA Travel Advantage Visa Signature ®  Credit Card , you can take advantage of cash back on a wide range of purchases and experiences.

With purchases, earn $100 statement credit when you spend $1,000 within the first 90 days of opening. 3

 Use the AAA Travel Advantage card to start earning:

• 5% cash back  on gas purchases and electric vehicle-charging stations 1
• 3% cash back  on travel, restaurants, grocery store, and purchases at AAA 1
• 1% cash back  on all other purchases 2
• No annual fee and no foreign transaction fees 4

With the AAA Travel Advantage Visa Signature ® Credit Card you can earn 5% cash back on the first $7,000 spent on gas & electric vehicle-charging purchases in a calendar year, then 1% thereafter. 

Credit card offers are subject to credit approval. 

AAA Travel Advantage Visa Signature ® Credit Card Accounts are issued by Comenity Capital Bank pursuant to a license from Visa U.S.A. Inc. Visa is a registered trademark of Visa International Service Association and used under license.

1 Offer is exclusive to AAA Travel Advantage Visa Signature ® Credit Card holders enrolled in the AAA Travel Advantage program. For offers associated with a specific category, earnings will only be awarded if the merchant code for the purchase matches a category eligible for the offer. Each merchant is assigned a code by a third party that indicates the merchant’s area of business. Comenity Capital Bank does not have the ability to control assignment of merchant codes. Maximum of $350 USD in cash back in a calendar year on the 5% category, and earn 1% cash back on all net eligible purchases thereafter. Excludes third-party insurance and offers, automobile extended warranties, and trip insurance. Cash back can be redeemed as statement credits, direct deposit, rewards and qualifying purchases at participating AAA locations. This rewards program is provided by Comenity Capital Bank and its terms may change at any time. For full Rewards Terms and Conditions, please see AAA.com/AdvantageTravelTerms.

2 Offer is exclusive to AAA Travel Advantage Visa Signature ® Credit Card holders enrolled in the AAA Travel Advantage program. Cash Back can be redeemed as Statement Credits, Direct Deposit, Rewards and qualifying purchases at participating AAA locations.

3 Valid one time only. Offer is exclusive to AAA Travel Advantage Visa Signature ®  Credit Card holders enrolled in the AAA Travel Advantage program. Maximum of $100 statement credit per account.

4 For new accounts, as of January 2024: Variable Purchase APR of 19.24% to 33.24% based on your credit worthiness at the time of account opening and the Prime Rate. Balance Transfer APR of 26.99%. Variable Cash Advance APR of 34.24%, based on Prime Rate. Minimum Interest Charge is $2. Balance Transfer Fee of the greater of $10 or 5% of the transfer. Cash Advance Fee of the greater of $10 or 5% of the advance.

Advertiser Disclosure

Bankrate.com is an independent, advertising-supported comparison service. The offers that appear on this site are from companies from which Bankrate.com receives compensation. This compensation may impact how and where products appear on this site, including, for example, the order in which they may appear within listing categories. Other factors, such as our own proprietary website rules and the likelihood of applicants' credit approval, also impact how and where products appear on this site. Bankrate.com does not include the entire universe of available financial or credit offers.

Bankrate has partnerships with issuers including, but not limited to, American Express, Bank of America, Capital One, Chase, Citi and Discover.

• • Rewards credit cards
• • Travel credit cards

Brendan Dyer holds a Master of Fine Arts in Journalism from Western Connecticut State University and worked previously as a content editor for Regional News Network, a hyper-local TV news station contracted by Verizon FiOS1 News. As a national service volunteer, Brendan exercised a passion for helping underserved communities and demographics through direct, community service. He constantly seeks to apply his expertise as a journalist to the field of personal finance with the goal of helping people navigate the complexities of the credit card industry.

• • Credit scores
• • Building credit

Courtney Mihocik is an editor at Bankrate Credit Cards and CreditCards.com specializing in credit card news and personal finance advice. Previously, she led insurance content at Reviews.com and worked as the loans editor at The Simple Dollar.

The Bankrate promise

At Bankrate we strive to help you make smarter financial decisions. While we adhere to strict editorial integrity , this post may contain references to products from our partners. Here's an explanation for how we make money and how we rate our cards . The content on this page is accurate as of the posting date; however, some of the offers mentioned may have expired. Terms apply to the offers listed on this page. Any opinions, analyses, reviews or recommendations expressed in this article are those of the author’s alone, and have not been reviewed, approved or otherwise endorsed by any card issuer.

Founded in 1976, Bankrate has a long track record of helping people make smart financial choices. We’ve maintained this reputation for over four decades by demystifying the financial decision-making process and giving people confidence in which actions to take next.

Bankrate follows a strict editorial policy , so you can trust that we’re putting your interests first. All of our content is authored by highly qualified professionals and edited by subject matter experts , who ensure everything we publish is objective, accurate and trustworthy.

Our banking reporters and editors focus on the points consumers care about most — the best banks, latest rates, different types of accounts, money-saving tips and more — so you can feel confident as you’re managing your money.

Editorial integrity

Bankrate follows a strict editorial policy , so you can trust that we’re putting your interests first. Our award-winning editors and reporters create honest and accurate content to help you make the right financial decisions.

Key Principles

We value your trust. Our mission is to provide readers with accurate and unbiased information, and we have editorial standards in place to ensure that happens. Our editors and reporters thoroughly fact-check editorial content to ensure the information you’re reading is accurate. We maintain a firewall between our advertisers and our editorial team. Our editorial team does not receive direct compensation from our advertisers.

Editorial Independence

Bankrate’s editorial team writes on behalf of YOU — the reader. Our goal is to give you the best advice to help you make smart personal finance decisions. We follow strict guidelines to ensure that our editorial content is not influenced by advertisers. Our editorial team receives no direct compensation from advertisers, and our content is thoroughly fact-checked to ensure accuracy. So, whether you’re reading an article or a review, you can trust that you’re getting credible and dependable information.

How we make money

You have money questions. Bankrate has answers. Our experts have been helping you master your money for over four decades. We continually strive to provide consumers with the expert advice and tools needed to succeed throughout life’s financial journey.

Bankrate follows a strict editorial policy , so you can trust that our content is honest and accurate. Our award-winning editors and reporters create honest and accurate content to help you make the right financial decisions. The content created by our editorial staff is objective, factual, and not influenced by our advertisers.

We’re transparent about how we are able to bring quality content, competitive rates, and useful tools to you by explaining how we make money.

Bankrate.com is an independent, advertising-supported publisher and comparison service. We are compensated in exchange for placement of sponsored products and services, or by you clicking on certain links posted on our site. Therefore, this compensation may impact how, where and in what order products appear within listing categories, except where prohibited by law for our mortgage, home equity and other home lending products. Other factors, such as our own proprietary website rules and whether a product is offered in your area or at your self-selected credit score range, can also impact how and where products appear on this site. While we strive to provide a wide range of offers, Bankrate does not include information about every financial or credit product or service.

Bottom line

AAA Member Rewards Visa® Credit Card

*The information about the AAA Member Rewards Visa® Credit Card has been collected independently by Bankrate.com. The card details have not been reviewed or approved by the card issuer.

Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.

A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.

Balance transfer intro APR

Regular APR

Rewards rate

3X points on eligible travel and AAA purchases 2X points on gas, grocery store and drugstore purchases 1 point per $1 on purchases everywhere else

On This Page

• Current offer details

Alternatives to the AAA Member Rewards card

Aaa member rewards card pros and cons.

• Best cards to pair with the AAA Member Rewards Visa
• Is the AAA Member Rewards card worth keeping?
• Card rating methodology

Bankrate Insight

The AAA Member Rewards card is discontinued. Interested applicants can apply for AAA’s current cards , the AAA Daily Advantage Visa Signature® Credit Card or the AAA Travel Advantage Visa Signature® Credit Card, if they’re particularly interested in AAA. Both of these cards have tiered cash back rates and are issued by Comenity Capital Bank.

AAA Member Rewards Visa® Credit Card card overview

If you’re on the road often, then you may still get a lot out of the AAA Member Rewards Visa Credit Card. While it doesn’t offer premium travel perks, we love that it’s an all-rounder — you’ll get bonus rewards for travel, AAA,  grocery store, drugstore, gas station and wholesale club purchases for no annual fee .

• 3X points on qualifying travel and AAA purchases
• 2X points on gas, grocery, drugstore and wholesale club purchases
• 1X point on all other purchases

Expert Appraisal: Typical

Welcome offer

• $200 statement credit if you spend at least $1,000 in the first 90 days

Expert Appraisal: Good

Rates and fees

• Annual fee: None
• Balance transfer fee: Either $10 or 3 percent of the amount of each transfer, whichever is greater.
• Foreign transaction fee: None
• Ongoing APR: 15.24 percent to 25.24 percent variable

This card is no longer available, but if its rewards rates, welcome offer and APR appeal to you, here are alternative cash back and rewards cards worth considering.

Intro offer

Receive a $150 statement credit after you make at least $500 in purchases within the first 90 days of account opening

Recommended Credit Score

American Airlines AAdvantage® MileUp®

Earn 10,000 American Airlines AAdvantage® bonus miles and receive a $50 statement credit after making $500 in purchases within the first 3 months of account opening

Earn 2 AAdvantage® miles for each $1 spent at grocery stores, including grocery delivery services Earn 2 AAdvantage® miles for every $1 spent on eligible American Airlines purchases Earn 1 AAdvantage® mile for every $1 spent on other purchases

Discover it® Miles

Unlimited Bonus: Unlimited Mile-for-Mile match for all new cardmembers - only from Discover. Discover gives you an unlimited match of all the Miles you’ve earned at the end of your first year. For example, if you earn 35,000 Miles, you get 70,000 Miles. There’s no signing up, no minimum spending or maximum rewards. Just a Miles-for-Miles match.

Automatically earn unlimited 1.5x Miles on every dollar of every purchase.

AAA Member Rewards card vs. Capital One Quicksilver Cash Rewards Credit Card

The Capital One Quicksilver Cash Rewards Credit Card offers a solid mix of flat-rate and boosted cash back. Since the AAA Member Rewards Visa is discontinued, the Quicksilver Cash Rewards is a solid back up for its boosted rewards for Capital One Travel purchases . It also rewards generously on everyday spending with 1.5 percent cash back on all purchases, including wholesale clubs, drug stores, gas and groceries. Although this is half a percentage point lower than the AAA Member Rewards card’s 2X rate in these categories, the Quicksilver’s rate is for all purchases that earn only 1X point with the AAA Member Rewards card.

If you still have the AAA Member Rewards card, it may be worth keeping because it increases the average age of your accounts. You’ll find very few direct comparisons to the AAA Member Rewards card, but flat-rate cards with a boosted travel category like the Capital One Quicksilver come close to matching the rewards potential of the AAA Member Rewards card.

AAA Member Rewards Visa vs. Wells Fargo Autograph℠ Card

The Wells Fargo Autograph Card blends travel, everyday, eligible streaming and phone service subscription purchases to give cardholders a nuanced rewards card that nearly does it all.

If the AAA Member Rewards card’s 3X travel category brings a ton of value to your wallet, then Wells Fargo’s travel category certainly will, too. It will also reward you more generously for everyday purchases like restaurants, gas stations and electric vehicle charging stations, while the AAA Member Rewards card would only award 2X points for gas. The AAA Member Rewards card has a higher rate for groceries and wholesale purchases, but that’s its only selling point over the Autograph card.

Low ongoing APR and intro APR rival some of the best low-interest cards’ rates.

Earns boosted points at wholesale clubs.

Doesn’t charge foreign transaction fees or an annual fee.

Need at least 5,000 points for cash or AAA voucher redemption, which could be a hassle.

AAA points don’t have as much value as other rewards programs.

Best cards to pair with the AAA Member Rewards card

Holding onto the AAA Member Rewards card may increase the average age of your credit card accounts, bolstering your score. But if you want to maximize other cash back and rewards cards, you can stack the AAA card with other options like the ones below

Capital One Quicksilver Cash Rewards Credit Card

If you want to redeem cash rewards for any amount at any time, pairing your AAA Member Rewards credit card with the Capital One Quicksilver Cash Rewards Credit Card could be the answer. You’ll earn an unlimited 1.5 percent cash bank on all purchases for no annual fee ( See Rates & Fees ) , plus there’s a cash bonus of $200 if you spend $500 in the first three months. 

Citi Double Cash® Card

Another pairing option for flexible cash back is the Citi Double Cash Card , which offers an unlimited 1 percent cash back as you buy, plus another 1 percent back when you pay for your purchases. It comes with an 18-month 0 percent introductory APR on balance transfers (19.24 percent to 29.24 percent variable APR thereafter).

Bankrate’s Take — Is the AAA Member Rewards card worth keeping?

The AAA Member Rewards card is worth holding onto if you’re a regular traveler but want the flexibility to earn and redeem rewards for more than travel. It’s also worth keeping because it increases the average age of your accounts, which looks great on your credit report. However, it isn’t the best option for a strong credit card rewards strategy. Pairing the AAA Member Rewards card with other cash back and rewards credit cards can be a great way to maximize your rewards strategy while keeping a decent credit history.

Closing the card account could decrease your score, so it may be worth considering a product change instead. Switching credit cards with your issuer will keep your card account open but will transition you to a new credit card with all of the ongoing benefits and rates that it offers. However, you won’t get to take advantage of a welcome offer or any other intro offer. Since Bank of America issues the AAA Member Rewards card, you might consider the Bank of America® Customized Cash Rewards Card because it has a rewards program with overlapping categories available on the AAA Member Rewards card.

How we rated this card

We rate credit cards using a proprietary card scoring system that ranks each card’s estimated average rewards rate, estimated annual earnings, welcome bonus value, APR, fees, perks and more against those of other cards in its primary category.

Each card feature is assigned a weighting based on how important it is to people looking for a card in a given category. These features are then scored based on how they rank relative to the features on other cards in the category. Based on these calculations, each card receives an overall rating of 1-5 stars (with 5 being the highest possible score and 1 being the lowest). 

We analyzed over 150 of the most popular rewards and cash back cards to determine where each stacked up based on their value, cost, benefits and more. Here are some of the key factors that influenced this card’s overall score and how the score influenced our review:

Rewards value

The primary criteria for a rewards or cash back card’s rating is its rewards value. This includes the card’s average rewards rate, estimated annual rewards earnings, sign-up bonus value and reward redemption value.

To estimate a card’s average annual rewards earnings, we first calculate its average rewards rate based on how much it earns in different bonus categories and how closely its categories align with the average person’s spending habits, according to data from the Bureau of Labor Statistics . 

Based on this data, we determine a “chargeable” spend (which purchases are likely to be put on a credit card and earn rewards). This includes the following spending by category:

• Groceries: $5,200
• Dining out: $3,000
• Entertainment: $2,500
• Gas: $2,100
• Apparel and services: $1,700

Using this data, we assign a weighting to each of a card’s bonus categories. For example, a card’s grocery rewards rate receives a 23 percent weighting based on how much of the average person’s budget is spent on groceries. We also estimate the redemption value of points or miles from various issuer, airline and hotel rewards programs.

This weighting and rewards valuation allows us to estimate a card’s average annual rewards earnings — how many points or miles you’d earn with a given card if your spending was about average and you used the card for all of your purchases, as well as what those points are worth. We also use point valuations to determine a card’s sign-up bonus value

With these calculations complete, we assign each card a score based on how its average rewards earnings, sign-up bonus value, rewards rate and redemption value stack up against other rewards cards.

We also rate cards based on how much it costs to keep them in your wallet or carry a balance. 

To start, each rewards or cash back card is scored based on whether it offers an intro APR and how its ongoing APR compares to the rates available on other rewards or cash back cards. 

We also score each card based on how its annual fee influences its overall value. 

We consider a card’s annual fee in two ways — how it ranks relative to the fees you’ll find on other cards in the category and how it impacts a card’s overall rewards value. Cards with an annual fee will always be at a slight disadvantage in our scoring system since annual fees inherently cut into your rewards value, but if a card offers terrific value via its ongoing rewards and perks, it can earn a high score even if it carries a high annual fee. 

With this in mind, we rate a card based primarily on how its ongoing rewards value and ongoing perk value (such as annual credits or bonuses) stack up against other cards in the category when you subtract its annual fee.

Flexibility

We rate each card’s flexibility based on the restrictions it imposes on earning and redeeming rewards and factor this rating into a card’s overall score. 

Flexibility factors include whether a card only allows you to earn a high rewards rate on a small amount of spending or requires you to meet a certain earning threshold before you can redeem rewards. We also examine whether your points are worth less when you redeem for some options versus others and whether a card gives you the flexibility to transfer rewards to airline and hotel partners. 

We also score each card’s set of features – its perks and benefits — against five tiers of features to provide a rating. 

We break down these tiers as follows:

• Tier 1 has less than standard card features (an ultra-streamlined card that offers basic utility and next to nothing in the way of ancillary benefits. 
• Tier 2 includes the benefits you’d expect on standard Visa or Mastercard credit cards, such as free access to your credit score, car rental insurance and $0 liability for fraudulent charges. 
• Tier 3 includes “prime card” or better-than-average card features like cellphone insurance, lost luggage insurance, concierge services and purchase protection. 
• Tier 4 includes luxury features such as airport lounge access, elite status with an airline or hotel and credits for expedited security screening membership programs. 
• Tier 5 includes the sort of exemplary benefits you’ll find on top-tier luxury cards, such as high-value travel credits, cardholder memberships and other unique and valuable perks.

* See the online application for details about terms and conditions for these offers. Every reasonable effort has been made to maintain accurate information. However all credit card information is presented without warranty. After you click on the offer you desire you will be directed to the credit card issuer's web site where you can review the terms and conditions for your selected offer.

Editorial Disclosure: Opinions expressed here are the author's alone, and have not been reviewed or approved by any advertiser. The information, including card rates and fees, is accurate as of the publish date. All products or services are presented without warranty. Check the bank’s website for the most current information.

Blue Cash Preferred® Card from American Express Review

Instacart Mastercard® Review

TD Cash Credit Card Review

TD Double Up Credit Card Review

Bank of America® Unlimited Cash Rewards credit card Review

USAA Preferred Cash Rewards Credit Card Review

Mastercard® Gold Card™ Review

Find your odds with no impact to your credit score

Apply for a credit card with confidence.

Apply for a credit card with confidence. When you find your odds, you get:

A personalized list of cards ranked by likelihood of approval

Special card offers from top issuers in our network

No credit hits. Enjoy a safe and seamless experience that won’t affect your credit score

Tell us your name to get started

This lets us verify your credit profile

Your personal information and data are protected with 256-bit encryption.

Your personal information is secure

We use your info to run a soft credit pull which won’t impact your credit score

Here’s how we protect your safety and privacy. That means:

We only use your info to run a soft credit pull, which won’t impact your credit score

We’ll never send mail to your home

All of your personal information is protected with 256-bit encryption

What’s your mailing address?

This helps us verify your credit profile.

Why we're asking

Your financial information, like annual income and employment status, helps us better understand your credit profile and provide more accurate approval odds.

Your financial information, like annual income and employment status, helps us better understand your credit profile.

Having a clearer picture of your credit profile will help us ensure that your approval odds are as accurate as possible.

What’s your employment status?

What's your estimated annual income?

Your answer should account for all personal income, including salary, part-time pay, retirement, investments and rental properties. You do not need to include alimony, child support, or separate maintenance income unless you want to have it considerd as a basis for repaying a loan. Increase non-taxbile income or benefits included by 25%.

Knowing your rent or mortgage payments helps us calculate your debt-to-income ratio (DTI) which is your monthly debt payments divided by your pre-tax monthly income.

Why does DTI matter? Your DTI gives us a clearer picture of your credit profile, which allows us to evaluate which cards you’re likely to get approved for more accurately.

Monthly rent or mortgage payment

Put $0 if you currently don’t have a rent or mortgage payment.

Almost done!

We need the last four digits of your social security number to run a soft credit pull.

We need the last four digits of your Social Security number to run a soft credit pull. This helps us locate your profile and identify cards that you may qualify for. Your information is protected by 256-bit encryption.

A soft credit pull will not affect your credit score.

Enter the last 4 digits of your Social Security number

Last step! Once you enter your email and agree to terms:

Your approval odds will be calculated

A personalized list of cards ranked by order of approval will appear

Your odds will display on each card tile

Enter your email address

Enter your email address to activate your approval odds and get updates about future card offers.

By clicking “Agree and See Results” you acknowledge receipt of our Privacy Notice , Privacy Policy and agree to our Terms of Use . By agreeing, you are giving your written instruction to Bankrate and our lending partners (together, “Us”) to obtain a soft pull of your credit report to determine whether you may be eligible ...show more for certain targeted offers, including pre-qualified and pre-approved offers (your "CardMatch offers"), as well as display what we estimate your approval odds to be for participating offers (“Approval Odds”). You instruct Us to do this each time you return to our sites to view product offerings and up to once per month so you can be provided up-to-date results.

You understand that this is not an application for credit and CardMatch offers and Approval Odds do not guarantee you will be approved for a partner offer. To apply for a product you will need to submit an application directly with that provider. Seeing your results won't hurt your credit score. Applying for a product may impact your score. See partner for complete product terms. Show less

We’re sending you to the issuer’s site to complete your application.

Just a second... We’re matching you with personalized offers

Hold tight, we’re loading your personalized results page, sorry, we couldn't access your approval odds..

This often happens when the information that's provided is incorrect. Please try entering your full information again to view your approval odds.

Check your approval odds before you apply

Answer a few questions and see if you’re likely to be approved in less than a minute—with no impact to your credit score.

Check your approval odds on similar cards before you apply

Before you apply...

See which cards you’re likely to be approved for

In less than 60 seconds, answer some questions and we’ll estimate your odds of approval on eligible cards. You get:

A personalized list of cards ranked by likelihood of approval.

Access to special card offers from top issuers in our network.

No credit hits. Enjoy a safe and seamless experience that won’t affect your credit score.

But don’t worry! You can check out other cards that are a better fit.

• United States
• United Kingdom

In this guide

Your reviews

Ask a question, aaa visa travelmoney card review.

This travel expert can get you access to local currency from Visa ATMs around the world.

Rely on AAA for roadside assistance and travel plans — plus, foreign currency exchange. Its Visa TravelMoney card simplifies currency conversions and foreign exchange rates. And the good news is you can get it without membership.

The chip and PIN-protected AAA Visa TravelMoney card comes with the security of traveler’s checks and the simplicity of a Visa-branded credit card. Accepted all over the world, the Visa TravelMoney card will convert your USD to the local currency almost anywhere. And you’ll enjoy Visa’s zero-liability policy protecting you from fraud and unauthorized purchases.

• Accepted worldwide
• Travel assistance
• Additional card
• High balance maximum

What is the AAA Visa TravelMoney card?

The AAA Visa TravelMoney card works like a debit card — use your card at merchants and ATM to access money when traveling abroad. But, this card isn’t attached to your bank account. Instead load the card with the money you plan to take on your trip, and use it to pay for dinner, souvenirs, excursions or anything else.

What’s more, if you buy your plane tickets with the AAA Visa TravelMoney card, your purchase is protected in case of a canceled or delayed flight. You’ll also have access to emergency cash replacement and 24-hour customer service.

Load this card with as little as $100, and as much as $5,000 at a time, with a maximum balance of $9,999. Manage your balance at your local AAA store, by phone or online.

How much will the AAA Visa TravelMoney card cost?

How much will i pay on the exchange rate.

Because your funds aren’t immediately converted into a foreign currency, you don’t have the benefit of locking in an exchange rate. Instead, Visa charges its conversion rate — typically close to the midmarket rate.

How much are the fees?

The biggest disadvantage of this card are the fees that come along with it. Each time you use the card, the AAA Visa TravelMoney card charges a 3% transaction fee and a $3 international ATM fee — typical for most credit cards. The benefit of the TravelMoney card is that because it’s your money, you won’t pay interest on your purchases.

The initial purchase price is determined by whether you’re an AAA member or not. It’s $5.95 for AAA members and $9.95 for non-members. And deactivate the card once you’re done with the card, or you’ll be charged $1.25 each month you don’t use it.

The greatest benefit to this card its its security. It’s protected by chip technology and a PIN, and because it’s not connected to any accounts, your personal information is protected. Other benefits include:

• Accepted worldwide. Access to over one million ATMs.
• Travel assistance. Enjoy emergency services and lost luggage reimbursement when you pay for your flight with your TravelMoney Card.
• Additional card. Request an additional card for a travel companion or in case of an emergency.
• High balance maximum. Load up to $9,999 — that’s more than its competitors.

Drawbacks and limits

• Limited transactions. You’re limited to three ATM transactions and $1,000 per day.
• Fees. You’ll pay fees for purchases, conversion and ATM withdrawals.
• Not reliable for deposits. Use credit cards to put a temporary hold on your card, like hotels, car rentals and gas stations with automated pumps.
• Card restrictions. Before you leave, be sure to check the AAA Visa TravelMoney website to see what countries have card restrictions — usually related to US travel and financial warnings.

Consider using the Travelex Money Card instead of the AAA Visa TravelMoney card.

A note about tipping with your card

When you use prepaid cards to pay for restaurant and bar tabs — or anywhere a gratuity is expected — budget a “tip tolerance” of 10% to 20% on top of your bill’s base amount.

When swiping your card, many establishments reserve what they expect you’ll add as a tip. If you don’t have enough money on your prepaid card to cover up to 20% on top of the base amount, consider using another card to avoid an uncomfortable card denial.

How to get a AAA Visa TravelMoney card

To be eligible for a AAA Visa TravelMoney card, you must:

• Be at least 16 years old.
• Provide personal information like name and address and a government-issued ID.

Cards can be purchased and reloaded at one of the many AAA retail offices throughout the country. The benefit of AAA membership is that you have the flexibility of reloading online at www.aaa.com or calling 866-674-9622 . Non-members needs to reload at the same location they bought the card.

I got the card. Now what?

If you’re loading funds onto your card, be aware that they might not immediately post. It could take a day or two depending on weekends or holidays.

• Spend wisely. Keep track of your spending and balances by registering your card on the AAA Prepaid website, AAA Prepaid app or calling 866-674-9622 .
• Factor in fees. Each time you use your card, you’ll pay a fee. Be sure to factor in those amounts when calculating your balance.
• Security. If you have any questions or your card is lost or stolen, call 866-674-9621 to get a replacement.
• Closing your card. To avoid inactivity fees, close your card when you’re done traveling by calling card services 877-856-2471 .

If your card has been lost or stolen, customer service can arrange for a replacement card to be sent to you for a fee of $5.95.To avoid waiting for a replacement card, it’s wise to initially purchase an additional card for only $1.50.

Bottom line

AAA Visa TravelMoney card is not currently available on Finder

Have you considered GoHenry?

Get interactive money and investing tools for your kids, including expert-developed games and quizzes. Offers strong parental controls that allow you to set where and how much your child can spend.

• $4.99/month after Finder exclusive free trial
• Optional parent-paid interest
• 45+ customizable card designs

No thanks, compare other debit card options.

Ask a question using your email below.

Kyle Finder

Hi there, looking for more information? Ask us a question.

Error label

You are about to post a question on finder.com :

• Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
• finder.com is a financial comparison and information service, not a bank or product provider
• We cannot provide you with personal advice or recommendations
• Your answer might already be waiting – check previous questions below to see if yours has already been asked

Finder only provides general advice and factual information, so consider your own circumstances, or seek advice before you decide to act on our content. By submitting a question, you're accepting our finder.com Terms of Use and Privacy and Cookies Policy .

This site is protected by reCAPTCHA and the Privacy Policy and Terms of Service apply.

May 20, 2019

How long does an AAA Travel Card go before you consider it inactive?

Jhez Finder

Thank you for your comment.

It will take 6months to a year for the card to become inactive. There’s an inactivity fee charged after 12 consecutive months of inactivity which is for $1.25/month.

Regards, Jhezelyn

October 22, 2018

PLS LET ME KNOW HOW MUCH AMOUNT OF EUROS I CAN USE AT THE SAME DAY (ONE DAY)TO PAY FOR PURCHASING GOODS IN GREECE

Charisse Finder

October 25, 2018

Hi Theofanies,

Thanks for reaching out to finder.

AAA Visa travel money card’s daily spending limit is $9,999 (or amount equivalent in Euros). This spend limit refers to the maximum cumulative point-of-sale signature or point-of-sale PIN transactions you can make per 24 hours. The maximum card balance that you can have at any time is also $9,999.

You can use the AAA Visa travel money card everywhere Visa debit cards are accepted as well as for online and telephone purchases.

I hope this helps.

Cheers, Charisse

September 10, 2018

Is it possible to load more money onto my AAA Visa Travel Money Card? If so, how do I do it? Thanks.

Jhezelyn Finder

September 11, 2018

Hello Daryl,

Yes, it is possible to load money on the AAA Visa TravelMoney card. You can reload your card at any participating AAA office, call their toll-free or through their website. Please note that the maximum balance on the card is $9,999.

Should you wish to have real-time answers to your questions, try our chat box on the lower right corner of our page.

April 25, 2018

Can you obtain a AAA visa travel money card and load balances onto it from an American Express gift card?

Joshua Finder

Thanks for getting in touch with finder.

Unfortunately, you can’t use your American Express gift card. According to our page, cards can be purchased and reloaded at one of the many AAA retail offices throughout the country. The benefit of being a AAA member is that you have the flexibility of reloading online http://www.aaa.com or calling 866-674-9622. Nonmembers needs to reload at the same location they bought the card.

I hope this helps. Should you have further questions, please don’t hesitate to reach us out again.

Have a wonderful day!

Cheers, Joshua

January 24, 2018

How do I load my AAA visa debit card from outside USA?

Rench Finder

January 31, 2018

Thanks for your inquiry

If you are referring to AAA Visa travel money card, funds may be added to the card at the location where the card was purchased. However, some participating clubs allow AAA members to reload by calling them.

The AAA Visa Travel money card allows for unlimited total reloads, up to a maximum of $5,000 per twenty four (24) hours.

Hope this helps.

Best regards, Rench

Kyle Morgan

Kyle Morgan is SEO manager at Forbes Advisor and a former editor and content strategist at Finder. He has written for the USA Today network and Relix magazine, among other publications. He holds a BA in journalism and media from Rutgers University. See full profile

• Compare prepaid cards
• Prepaid cards for kids
• Debit cards
• Get a payday loan on a debit card
• Prepaid travel money cards
• Savings accounts
• Checking Accounts
• Money Market Accounts
• AccountNow Gold
• ACE Cash Express
• American Express
• H&R Block
• MOVO Digital
• See more reviews

How likely would you be to recommend finder to a friend or colleague?

Our goal is to create the best possible product, and your thoughts, ideas and suggestions play a major role in helping us identify opportunities to improve.

Advertiser Disclosure

finder.com is an independent comparison platform and information service that aims to provide you with the tools you need to make better decisions. While we are independent, the offers that appear on this site are from companies from which finder.com receives compensation. We may receive compensation from our partners for placement of their products or services. We may also receive compensation if you click on certain links posted on our site. While compensation arrangements may affect the order, position or placement of product information, it doesn't influence our assessment of those products. Please don't interpret the order in which products appear on our Site as any endorsement or recommendation from us. finder.com compares a wide range of products, providers and services but we don't provide information on all available products, providers or services. Please appreciate that there may be other options available to you than the products, providers or services covered by our service.

• Credit cards
• View all credit cards
• Banking guide
• Loans guide
• Insurance guide
• Personal finance
• View all personal finance
• Small business
• Small business guide
• View all taxes

AAA Travel Insurance Review 2024: Is it Worth the Cost?

Many or all of the products featured here are from our partners who compensate us. This influences which products we write about and where and how the product appears on a page. However, this does not influence our evaluations. Our opinions are our own. Here is a list of our partners and here's how we make money .

Table of Contents

What does AAA travel insurance cover?

Aaa single-trip plans, aaa annual plans, which aaa travel insurance plan is best for me, can you buy aaa travel insurance online, what isn’t covered by aaa travel insurance, aaa travel insurance, recapped.

• You don't need to be an AAA member.
• Annual or single-trip policies are available.
• Can add on a Rental Car Damage protector plan.
• Cheapest option doesn't include medical coverage.
• CFAR upgrade is only available for higher-cost plans.

Before going on a trip, it's important to give travel insurance some serious thought as it can protect you if anything goes wrong on your vacation. One provider to consider is AAA Travel Insurance.

The company’s policies are administered by Allianz Global Assistance, an insurer that serves 40 million customers in the U.S. and operates in 35 countries. You do not have to be a AAA member to purchase AAA travel insurance.

AAA offers annual or single-trip policies for domestic and international travel. The policies vary by state and travel destination, so the plans available in your home area may differ from the examples shown below. Use AAA's Get A Quote tool to see your specific pricing.

» Learn more: The majority of Americans plan to travel in 2022

AAA’s single-trip plans are designed for travelers who are leaving their homes, visiting another destination, domestic or international, and returning. To get an idea of which plans are available, we input a sample itinerary of a $3,000, two-week trip to Spain by a 45-year-old from Indiana. For this itinerary, AAA offered four single-trip plans.

* Higher limit requires receipts to be submitted.

AAA single-trip plans cost

The Essential Plan ($97) is ideal for those who just want the basics of trip cancellation and trip interruption insurance and don't need the other protections. This is a good fit for domestic travelers who already have health coverage in the U.S. and don't plan on bringing business equipment.

The Basic Plan ($111) includes all the features of the Essential Plan, along with medical coverage and some increased protections for baggage and travel delays.

The Classic ($140) and Premier Plans ($174) are nearly identical, but the latter provides double emergency medical coverage, emergency transportation, trip delay and baggage delay limits.

The Classic Plan offers a "cancel for any reason" optional upgrade for $71, which would bring the total to $211.

There is also a Rental Car Damage protector plan for $135, which provides $1,000 of trip interruption and baggage loss coverage and $40,000 of rental car damage and theft benefits. This plan will cover your costs if the rental car is stolen or damaged. In addition, you’ll be reimbursed for the unused portion of your trip and if your bags are lost or damaged. This plan offers an alternative to purchasing coverage at the rental counter.

» Learn More: Cancel For Any Reason (CFAR) travel insurance explained

The annual policies provide 365 days of domestic and international coverage and are best suited for those who travel often. To see which plans are available, we input a $15,000 annual travel budget for coverage starting in July 2020 for a 30-year-old from New Hampshire. For this itinerary, AAA is offering four policies, with the three higher-end plans geared toward business travelers.

AAA annual plans cost

The Annual Deluxe Plan ($275) is designed for those who aren’t too concerned with pre-trip cancellation benefits or business equipment protections and are more interested in medical coverage while abroad. If you already have some travel insurance through a credit card, this plan may be sufficient.

The next three Annual Executive Plans ($500-$785) are tiered based on the amount of trip cancellation and interruption coverage provided ($5,000, $7,500 or $10,000). All the other protections under the Executive Plans are identical. All three plans include business equipment coverage as well as business equipment rental and delay protections. If you’re traveling for work, these plans may be your best bet.

Although all four of these are annual plans, no individual trip can exceed 45 days. For trips longer than 45 days, Allianz offers an AllTrips Premier plan , which provides coverage for up to 90 days per trip.

» Learn more: What to know before buying travel insurance

Choosing the right plan for your trip involves understanding what type of coverage you will want while you’re traveling.

If you have a premium travel card that already provides you with a sufficient level of trip cancellation coverage, you may only need to get a standalone emergency medical policy. For example, The Business Platinum Card® from American Express offers $10,000 per trip and $20,000 per year in trip cancellation benefits. Terms apply. Only the Annual Executive Plan ($10,000) has a comparable level of trip cancellation coverage.

If the coverage provided by your card isn’t adequate, you don’t have credit card coverage or you didn’t pay for your trip with that credit card, then you might be better off with a comprehensive plan like one of the single or annual trip plans, depending on your travel goals.

If you’re a long-term traveler and expect to take many trips, the annual plans will be the most suitable. However, with coverage for each trip capped at 45 days, you’ll want to look at other options if you will be away from home for longer.

Yes, you can buy AAA Travel Insurance onlince. Head over to Agentmaxonline.com , input your trip details and choose “Get Quote” to see a list of available plans.

Trip insurance plans have a lot of exclusions that you need to pay attention to so you know exactly what type of coverage you’re getting. Here are some general exclusions you can expect:

High-risk activities: Skydiving, bungee jumping, heli-skiing and other types of high-risk sporting activities that the insurer deems unsafe.

Intentional acts: Losses sustained from intoxication, drug use, self-harm and criminal activity.

Specifically designated events: Epidemics, natural disasters and war are specifically mentioned in the policy as exclusions.

It's important to note that exclusions may vary based on the policy and where you live, so it's always best to review the fine print to ensure you’re clear about what is and isn’t covered.

» Learn more: Will travel insurance cover winter weather woes?

Yes. However, plan choices depend on your state of residence and trip duration. We performed various searches for sample trips and found policies for single trips and annual trips. Single-trip plans are great for travelers who are traveling from their home to a different destination (domestic or international) and then returning. Coverage ends when the traveler returns home. Annual trip plans are designed for those who want to take several trips during a specific period of time, regardless of how many times they return home during the covered period.

The cost of a travel insurance policy depends on many factors , including the trip length, your state of residence and how much coverage you’d like. Our sample search for a $3,000 two-week trip to Spain showed policies ranging from $97 to $211, representing 3% to 7% of the total trip cost.

Yes, AAA’s travel insurance policies offer coverage for international travel. To check the type of plans available for your intended destination, visit AAA’s travel insurance site and enter your trip details.

Travel insurance offers a safety net so that if something goes wrong while you’re on vacation, you’re not alone. Whether it's a cancelled flight, lost luggage or emergency medical care, travel insurance coverage will come in handy. Although it's never fun to think about unexpected emergencies that can derail your trip, consider how much risk you’re willing to take before deciding to not purchase a policy. That will help you decide if travel insurance is worth it .

The cost of a travel insurance policy

depends on many factors

, including the trip length, your state of residence and how much coverage you’d like. Our sample search for a $3,000 two-week trip to Spain showed policies ranging from $97 to $211, representing 3% to 7% of the total trip cost.

Yes, AAA’s travel insurance policies offer coverage for international travel. To check the type of plans available for your intended destination, visit

AAA’s travel insurance site

and enter your trip details.

Travel insurance offers a safety net so that if something goes wrong while you’re on vacation, you’re not alone. Whether it's a cancelled flight, lost luggage or emergency medical care, travel insurance coverage will come in handy. Although it's never fun to think about unexpected emergencies that can derail your trip, consider how much risk you’re willing to take before deciding to not purchase a policy. That will help you decide if

travel insurance is worth it

AAA was found to be one of the best travel insurance companies according to NerdWallet's most recent analysis.

Before shopping for a policy, check to see what coverage you may already have. Some premium credit cards provide travel insurance. If you hold one of these credit cards and the coverage limits are adequate, you may only need a standalone emergency medical insurance policy . However, if your credit card doesn’t cover you sufficiently, a comprehensive travel insurance plan might be the right choice. AAA offers a few plans to pick from, but the choices boil down to annual or single-trip insurance plans.

No matter what type of traveler you are, AAA offers various trip insurance options to choose from. Rates and options vary by state, so be sure to input your information into the online tool.

How to maximize your rewards

You want a travel credit card that prioritizes what’s important to you. Here are our picks for the best travel credit cards of 2024 , including those best for:

Flexibility, point transfers and a large bonus: Chase Sapphire Preferred® Card

No annual fee: Bank of America® Travel Rewards credit card

Flat-rate travel rewards: Capital One Venture Rewards Credit Card

Bonus travel rewards and high-end perks: Chase Sapphire Reserve®

Luxury perks: The Platinum Card® from American Express

Business travelers: Ink Business Preferred® Credit Card

on Chase's website

1x-10x Earn 5x total points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Travel℠ immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1 point per $1 spent on all other purchases.

60,000 Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $900 toward travel when you redeem through Chase Travel℠.

1x-5x 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases.

60,000 Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Travel℠.

1x-2x Earn 2X points on Southwest® purchases. Earn 2X points on local transit and commuting, including rideshare. Earn 2X points on internet, cable, and phone services, and select streaming. Earn 1X points on all other purchases.

50,000 Earn 50,000 bonus points after spending $1,000 on purchases in the first 3 months from account opening.

Is AAA membership worth it?

I've been a AAA member for more than 15 years, and I can confidently say that the perks and benefits have come in handy — especially the well-known roadside assistance benefit.

Over the years, AAA has opened up its network to provide vast options and money-saving discounts for travelers beyond roadside assistance.

I'm also partial to the regional magazine AAA produces six times a year; Arizona's is called Via and California's is called Westways. Each issue is full of travel inspiration and valuable tips. AAA even has a travel service you can use to book vacations.

How I've used AAA benefits

Living in Arizona, you can expect that your car battery will not survive more than two years due to the heat. In my case, the two-year timing always seemed to happen in August — the hottest month of the year. I have called AAA on more than one occasion to take advantage of its mobile battery service , and workers have come to my location with a new car battery.

Usually, they will test your current battery power and sell you a new one on the spot if needed. Members receive a $25 discount on batteries purchased during the on-the-spot installation. They even offer a battery warranty, so there's a chance if you purchased your last battery from AAA, your replacement might be free.

It has been a fantastic time saver and more convenient than getting jumper cables and making it to the nearest auto shop. Additionally, AAA membership covers the individual, not just the vehicle. So, you can use your membership for a service call even if you're a passenger in a stalled car.

To request 24/7 roadside assistance , use the AAA online assistance tool, call 800-AAA-HELP (800-222-4357) or you can text HELP to that same phone number and follow the prompts from there.

According to the AAA website, response time varies depending on several factors including time of day, breakdown location, and severity of the issue, and that AAA strives to provide the fastest and most efficient service possible. If you make your request online, you can track the progress of your request and the location of your technician.

What does AAA membership cost?

Membership rates are determined by the local club and may vary, a AAA spokesperson confirmed. The pricing below is provided as an example and is based on Arizona's current club pricing.

There are three AAA membership levels based on the types of services included.

The entry-level "Classic" membership starts at just $59.99 per year. This basic option allows for 5 miles of towing, fuel delivery and up to a $50 reimbursement for locksmith fees.

The next membership level is called "Plus" and is $94.99 annually. This level will more than pay for itself if you had to use just the locksmith option which is up to $100 reimbursement. This option also includes 100 miles of towing, fuel and delivery, $750 trip interruption, $250 lost baggage coverage and an option to include RV or motorcycle coverage.

The third option, called "Premier" costs $119.99 annually and has upgraded levels of everything in the Plus membership, but also adds $25,000 of emergency medical transportation coverage and $300,000 of travel accident insurance.

Does AAA offer discounts and perks?

AAA can help you save on everything from theme park tickets to car insurance and car repair. AAA membership offers a vast network of discounts and perks when you show your card or make online reservations with certain companies that provide AAA member discounts.

Guide: 6+ unexpected travel discounts to save you money.

A quick look at the AAA merchant list for attractions, zoos, museums and tours reveals discounts for CityPass for some major U.S. cities, Legoland Discovery Centers, Busch Gardens, Six Flags Theme Parks, AMC Theatres and Regal Cinemas, to name a few. You can search by city on the website to narrow down your results.

As I navigated to the AAA website, my Rakuten browser extension popped up and offered me 8% back, so there are ways to stack offers while using your AAA membership.

AAA is a trusted name in the auto industry and not just for its roadside assistance. Auto repair shops can be AAA trust-certified which means as a consumer which means you can access this network and receive discounts on regular automotive service or repairs; the work carries a warranty for 24 months/24,000 miles. You will also get access to priority service and a minimum of 10% off labor costs.

Through AAA Smart Home you can save money on items for your home such as a home security system, smart door locks, energy-efficient thermostats and even home automation.

Many hotel companies offer AAA discounted rates which usually hover around 10% off the best available rate. If you click for rate options, you'll see a AAA rate option on many hotel booking websites.

Another way to utilize AAA perks is for car rentals — many rental companies offer AAA corporate rates which you can find using the AAA travel portal. If you are a renter under 25 , you can rent through Hertz, which specifically honors the AAA discount for younger drivers.

Can I gift AAA membership to a friend or family member?

According to the AAA website, gift memberships are available for purchase in some regions of the country: Northern California, Nevada, Utah, Arizona, Montana, Wyoming and Alaska. If the person you want to gift membership to lives in another region, you can search by zip code to find the local AAA club where they live.

Is AAA worth it?

If you enjoy saving money and getting additional home and travel perks, I recommend checking out AAA to see if it is a program you can benefit from. If you are a T-Mobile customer, see if your plan includes the Coverage Beyond program — this includes AAA membership free for customers (a $60 value).

Related: AAA tests program to allow California users to get Real ID

• Credit Cards
• Rewards Credit Cards
• AAA Travel Advantage Visa Credit Card

AAA Travel Advantage Visa Credit Card review

Advertisement disclosure.

You should know that in some cases, we may receive compensation when you click on links or purchase through links on this site. This is at no extra cost to you. It lets us operate the business and keep the service free for everyone. Here's How We Make Money .

This site does not include all companies and offers available. We are an independent comparison service. While we aim to provide you with the most accurate information and keep things up to date, prices and terms of products and services can change. We encourage you to always do your own research and double check the terms. Using the information on this site is at your own risk and without warranty.

Am I eligible?

To get this card, you must also:.

Note: This information is only intended as a guide. The final decision is up to the bank and your application could still be rejected even if you can answer 'Yes' to all the minimum criteria above. Always consider your options and your financial situation before you apply for a credit card.

Disclaimer: All products, logos, images and trademarks are the property of their respective owners. Content is not provided or commissioned by any company mentioned. Any views, analyses, or recommendations expressed here are those of the author's alone, and may not have been reviewed, approved or otherwise endorsed by any company mentioned.

Information in this article is believed to be accurate at the time it was written, but terms and conditions may change at any time. All information is presented without warranty or guarantee. Please verify all terms and conditions of any credit card prior to applying.

The Informr is an independent, advertising supported website and may receive compensation for sponsorships or when you click on certain affiliated links.

Use this card?

Help inform others by sharing your experience with AAA Travel Advantage Visa Credit Card

Join AAA today Membership gives you access to Roadside Assistance, Deals, Discounts, and more.

• Add Members
• Gift Membership
• Member Benefits Guide
• Renew Expires in 28 days

AAA Visa Signature® Credit Cards

Earn a $100 Statement Credit

After spending $1,000 on your card within 90 days of account opening.

• Advice back All Advice Travel Auto Money Home Life
• Destinations back All Destinations Northeast States Southeast States Central States Western States Mid-Atlantic States National Parks Road Trips International Travel Inspiration
• Connect back All Connect Community Stories Authors & Ambassadors
• Guides back All Guides Doing Your Taxes Protecting Your Valuables Winter Driving Buying and Selling a Car Buying and Selling a Home Getting Organized Home Improvement Improve Your Finances Maintaining Your Car Saving Money Staying Healthy Traveling
• Series back All Series AAA World Member News AAA's Take KeeKee's Corner AAA Traveler Worldwise Foodie Finds Good Question Minute Escapes Car Reviews

AAA Daily Advantage Visa Signature® Credit Card

With purchases on your AAA Daily Advantage card, you earn:

• 5% cash back on grocery store purchases 1
• 3% cash back on gas and electric vehicle-charging stations, wholesale clubs, streaming services, pharmacy and AAA purchases 1
• 1% cash back on all other purchases 3
• $100 statement credit when you spend $1,000 within the first 90 days of account opening 4
• No Annual Fee and No Foreign Transaction Fees 5

AAA Travel Advantage Visa Signature® Credit Card

With purchases on your AAA Travel Advantage card, you earn:

• 5% cash back on gas and electric vehicle-charging station purchases 2
• 3% cash back on grocery stores, restaurants, travel and AAA purchases 2

Offer your wallet an advantage with the AAA Visa Signature® credit cards

Maximize your AAA Membership with Cash Back credit cards! Searching for a credit card for groceries or a travel credit card? Look no further - AAA Daily Advantage Visa Signature® Credit Card or AAA Travel Advantage Visa Signature® Credit Card makes every time you grocery shop, gas up or travel more rewarding. Each card delivers exceptional value in everyday purchases, maximizing your cash back rewards.

Heading text (h2)

Lorem ipsum dolor sit amet, consectetur adipisicing elit. Aspernatur consectetur -->