AAA Travel Advantage Visa Signature® Credit Card
Use your card to enjoy the benefits below.
- 5% cash back on gas purchases and electric vehicle charging 2
- 3% cash back on grocery stores, restaurants, travel and AAA purchases 2
- 1% cash back on all other purchases 3
- No annual fee or foreign transaction fees 4
Premium travel benefits with everyday rewards when you use your card
- Gas pump 5% cash back 2 on gas purchases and electric vehicle charging
- Shopping cart 3% cash back 2 on grocery store, restaurants, travel, and AAA purchases
- Globe 1% cash back 3 on all other purchases
- No fees No annual fee or foreign transaction fees 4
Earn a $100 statement credit
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5 Things to Know About the AAA Credit Cards
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The AAA credit card portfolio requires a little history lesson.
After Bread Financial formally partnered with AAA in 2022, the companies launched two co-branded credit cards: the AAA Travel Advantage Visa Signature Credit Card and the AAA Daily Advantage Visa Signature Credit Card. Both are issued by Bread Financial, formerly Comenity Bank , and offer solid rewards rates, although earnings are capped.
A third co-branded card, the AAA Cashback credit card, is issued by U.S. Bank .
The Travel Advantage and Daily Advantage credit cards have similar features, but they differ from their Cashback cousin when it comes to eligibility requirements, rewards and sign-up bonus.
Here’s what you need to know about the three AAA credit cards to help you decide the best fit for your lifestyle.
» MORE: Best credit cards for car repairs
1. There are 3 AAA credit cards
Before applying for one of the AAA credit cards, make sure you’re filling out an application for the card you really want. The three AAA credit cards have different rewards structures:
AAA Daily Advantage credit card.
AAA Travel Advantage credit card.
AAA Cashback credit card.
AAA Daily Advantage credit card
AAA Daily Advantage is billed as a card for everyday spending . And for many cardholders, the rewards categories do represent common spending categories. The Daily Advantage card earns:
5% cash back at grocery stores.
3% cash back on gas and EV charging, wholesale clubs, streaming services, pharmacy and AAA purchases.
1% cash back on all other purchases.
There’s a $500 annual cash-back cap on rewards earned at grocery stores, wholesale clubs and gas stations combined. After hitting the cap, purchases in those categories earn 1% back for the rest of the year. A $500 rewards limit may seem high, but some families will easily exceed it. If you spend $10,000 annually at grocery stores alone, you’d hit the $500 cash-back cap.
» MORE: Best credit cards for grocery stores
AAA Travel Advantage credit card
As the name suggests, AAA Travel Advantage is a travel-centric card, and its rewards categories bear that out. The Travel Advantage card earns:
5% cash back on gas and EV charging.
3% cash back on travel, restaurants, grocery stores and AAA purchases.
Rewards earned on gas and EV charging are capped at $350 per calendar year. The rewards rate drops to 1% once you’ve hit the limit. Given the 5% rate, cardholders would need to spend $7,000 a year (or about $583.30 per month) on gas and EV charging to reach the $350 rewards cap.
» MORE: Best gas credit cards
AAA Cashback credit card
The rewards rates are less impressive on the AAA Cashback card compared to the other two cards; however, there’s no cap on rewards. This card earns:
3% cash back at grocery stores, gas stations and dining.
2% cash back on AAA memberships, travel and insurance.
1% on everything else.
Bread Financial doesn’t allow consumers to have both the Daily Advantage and Travel Advantage cards.
» MORE: Best credit cards for electric vehicle owners
2. You may need AAA membership to get one of the cards
AAA membership is required to get the AAA Cashback credit card. Pricing depends on where you live, but in general, a membership can cost from $38-$164 a year for one person.
However, you don't have to be a member of AAA to apply for the Daily Advantage or the Travel Advantage credit cards.
» MORE: Is AAA worth it?
3. Reward redemption options vary slightly by card
If you have the AAA Cashback Visa, rewards may be redeemed for the following:
AAA gift cards.
Merchandise.
Statement credit ($25 minimum to redeem).
Direct deposit ($25 minimum to redeem).
Gift cards.
The redemption options for the Daily Advantage and Travel Advantage cards include everything listed above plus Apple products and AAA merchandise, services and travel. Cardholders must have at least $5 to redeem if they opt for cash back or a statement credit.
For all three AAA cards, rewards expire after five years.
» LEARN: How to redeem credit card rewards
4. Sign-up bonuses vary by card, too
Currently, the Travel Advantage and Daily Advantage credit cards have the same sign-up bonus: a $100 statement credit for new cardholders who spend $1,000 on their AAA Visa Signature card in the first 90 days of account opening.
As of this writing, the welcome offer for the AAA Cashback card is potentially more valuable, depending on your spending. Instead of the standard 2% rate, new AAA Cashback cardholders will earn 4% on AAA memberships, travel and insurance for the first six months, up to $6,000. Were you to hit the $6,000 spending cap, you’d get $240 cash back.
5. Fees are minimal
None of the AAA credit cards charges annual or foreign transaction fees .
For the Daily Advantage and Travel Advantage cards, the combination of a $0 annual fee and a fixed 5% rewards category is especially notable. Other credit cards that feature a 5% rate often come with an annual fee or require you to actively track and opt in to bonus categories that rotate every quarter.
On a similar note...
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Apply for a credit card that offers cash back on gas, travel, AAA purchases and more. Log in to your account to manage your card, view rewards and access offers.
Access your AAA Visa Signature credit card account online with your username and password. Find answers to frequently asked questions about sign in, account, payments, rewards and more.
We continually monitor your account for fraudulent activity, including any merchant data breaches. It's always smart to review your account activity and to call the number on the back of your card about unrecognized charges. Continue. Forgot your Personal ID? Login FAQs . 1
Make the most of everything your AAA Visa Signature card has to offer. ... Receive a $100 statement credit after you spend $1,500 in qualifying purchases within the first 90 days of account opening.* ... On qualifying AAA purchases, travel and insurance for your first 6 months up to $6,000. After that, you'll earn unlimited cash back in the ...
Customer Care Address. Comenity Capital Bank PO Box 183003 Columbus, OH 43218-3003
Enter your ZIP Code. Go. AAA is a federation of independent clubs throughout the United States and Canada. When using the AAA Daily Advantage Visa Signature® or the AAA Travel Advantage Visa Signature® credit cards, you can take advantage of cash back on a wide range of purchases and experiences. Visit our website for details.
The AAA Cashback Visa Signature® Card program includes Visa benefits for security and convenience. ... Count on your 24/7 Visa Signature Concierge to book your travel, dinner reservations, event tickets ... fees, and other Account terms in the future based on your experience with ACG Card Services and its affiliates as provided under the ...
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. Credit card offers are subject to credit approval. AAA Travel Visa Signature® Credit Card Accounts are issued by Comenity Capital ...
AAA Travel Advantage credit card. As the name suggests, AAA Travel Advantage is a travel-centric card, and its rewards categories bear that out. The Travel Advantage card earns: 5% cash back on ...