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5 Things to Know About the AAA Credit Cards

Many or all of the products on this page are from partners who compensate us when you click to or take an action on their website, but this does not influence our evaluations or ratings. Our opinions are our own.

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 Comenity Bank , a subsidiary of Bread Financial, 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.

All three of the AAA cards have a three-tiered reward structure. If you prefer something simpler, consider a flat-rate cash-back card like the Capital One Quicksilver Cash Rewards Credit Card . It earns an unlimited 1.5% cash back on every purchase.

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.

Coming soon: Earn up to 4% cash back on every purchase

U.S. Bank Smartly™ Visa Signature® Card

Unlimited 2% cash back on every purchase.

Up to an additional 2% cash back when paired with a U.S. Bank Smartly® Savings account.

Cash back rates can be obtained when rewards are redeemed into an eligible U.S. Bank deposit account.

The U.S. Bank Smartly™ Visa Signature® Card will be available soon - be among the first to apply. Read our review and join the waitlist below.

Find the right credit card for you.

Whether you want to pay less interest or earn more rewards, the right card's out there. Just answer a few questions and we'll narrow the search for you.

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AAA Visa Signature® Credit Cards

Earn cash back on all purchases. Apply Now.

Application for a AAA Visa Signature® Credit Card

Get started by prefilling your application for the AAA Visa Signature® credit cards.

Take Advantage

The AAA advantages you love, now in a credit card. Pick your path of Daily or Travel and explore benefits like cash back on a wide range of purchases and experiences with one of our AAA Visa Signature® credit cards below.

AAA Daily Advantage Signature® Credit Card

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

5% Cash Back on Grocery Store purchases. 1

3% Cash Back on Gas & 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 or Foreign Transaction Fees. 5

AAA Travel Advantage Visa Signature® Credit Card

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

5% Cash Back on Gas & Electric Vehicle-charging stations. 2

3% Cash Back on Grocery Store, Restaurants, Travel, and AAA purchases. 2

1 Offer is exclusive to AAA Daily Advantage Visa Signature ®  Credit Card holders enrolled in the AAA Daily 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 $500 USD cash back earned in a calendar year at grocery stores, wholesale clubs and gas stations combined. After that, purchases will earn 1% cash back for the remainder of the calendar year. 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/AdvantageDailyTerms .   2 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.   3 Offer is exclusive to AAA Travel Advantage Visa Signature® Credit Card or AAA Daily Advantage Visa Signature ®  Credit Card holders enrolled in the AAA Travel Advantage or AAA Daily Advantage Rewards program. 4  Valid one time only. Offer will be received within 1-2 billing cycles after qualifying spend..   5 For new accounts, as of August 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.   Credit card offers are subject to credit approval.   AAA Travel Advantage Visa Signature ® Credit Card or AAA Daily 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.

AAA MyCardAccess 4+

Card management, aaa federal credit union, designed for ipad, screenshots, description.

Enjoy easy and on-the-go management of your card with the AAA MyCardAccess app from AAA Federal Credit Union. This app offers a convenient way to: • View recent and pending transactions. • View account details. • Make a payment to your credit cards. • Set travel notifications. • Card registration is a cinch from any mobile device. Access is secure and protected by multi-factor authentication.

Version 38.0.1

- Expanded rewards program integration - ADA Compliance Regulatory Updates - General Usability Enhancements

App Privacy

The developer, AAA Federal Credit Union , indicated that the app’s privacy practices may include handling of data as described below. For more information, see the developer’s privacy policy .

Data Linked to You

The following data may be collected and linked to your identity:

• Financial Info
• Contact Info
• Identifiers

Data Not Linked to You

The following data may be collected but it is not linked to your identity:

• User Content

Privacy practices may vary based on, for example, the features you use or your age. Learn More

Information

• App Support
• Privacy Policy

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Earn Cash Back with a AAA Visa Signature Credit Card

Start earning today with a $100 statement credit after you spend $1,000 on your AAA Visa Signature ® credit card in the first 90 days of account opening! 1

For more than 120 years, AAA has always been your go-to partner. Now, the name you trust is enriching everyday experiences with a go-to credit card. Whether breathtaking destinations are your ticket, or you’re making the routine rounds for groceries and gas, AAA has a card for you.

AAA Credit Card Options

AAA Daily Advantage Visa Signature Credit Card

Elevating the everyday with cash back on essentials and more

Purchases earn:

• 5% cash back on grocery store purchases 2
• 3% cash back on gas and electric vehicle-charging, wholesale clubs, streaming services, pharmacy and AAA purchases 2
• 1% cash back on all other purchases 4
• $0 annual fee 5
• 0% foreign transaction fees 5

AAA Travel Advantage Visa Signature Credit Card

Cash back to fuel life’s journeys

• 5% cash back on gas and electric vehicle-charging stations 3
• 3% cash back on travel, restaurants, grocery store and AAA purchases 3

AAA Credit Card Benefits

Visa Signature Benefit

Zero Liability*

Emergency card replacement & cash disbursement*, shipt same-day delivery membership*, sofar sounds concert tickets*, travel & emergency assistance services*, concierge services*, frequently asked questions, do i need to be a aaa member to apply for the aaa visa signature ® credit cards.

No, you do not need to have an AAA membership to apply for and be approved for the AAA Visa Signature ® credit cards.

Does my cash back expire?

Yes, Cash back rewards will expire 5 years after the date that they are posted to your Cash Back balance.

What are the AAA Visa Signature ® credit cards' purchase Annual Percentage Rates (APRs)?

Cardholders will be awarded purchase APRs of 19.24% to 33.24%, based on your creditworthiness. This APR will vary with the market based on the Prime Rate.

Where can I use the AAA Visa Signature ® credit cards?

You can use your AAA Visa Signature ® credit card to pay for purchases or make bill payments wherever Visa is accepted.

How do I redeem cash back?

Cash Back can be redeemed as statement credits, direct deposit, rewards and qualifying purchases at participating AAA locations.

1 Valid one time only. Offer will be received within 1-2 billing cycles after qualifying spend.

2 Offer is exclusive to AAA Daily Advantage Visa Signature® Credit Cardholders enrolled in the AAA Daily 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 $500 USD cash back earned in a calendar year at grocery stores, wholesale clubs and gas stations combined. After that, purchases will earn 1% cash back for the remainder of the calendar year. 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. For full Rewards Terms and Conditions, please see AAA.com/AdvantageDailyTerms.

3 Offer is exclusive to AAA Travel Advantage Visa Signature® Credit Cardholders 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.

4 Offer is exclusive to AAA Travel Advantage Visa Signature® Credit Card or AAA Daily Advantage Visa Signature® credit cardholders enrolled in the AAA Travel Advantage or AAA Daily Advantage Rewards program. Cash Back can be redeemed as statement credits, direct deposit, rewards and qualifying purchases at participating AAA locations.

5 For new accounts, as of March 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.

* AAA Travel Advantage Visa Signature® cardholders and AAA Daily Advantage Visa Signature® cardholders are responsible for the payment of any and all charges associated with any goods, services, reservations or bookings purchased or arranged by the Visa Signature Concierge on cardholders’ behalf. Any such purchases or arrangements are solely between the cardholder and the respective merchant, and Visa is not a party to the transaction. All goods and services subject to availability. See full terms of service at visasignatureconcierge.com . Covers U.S.-issued cards only. Certain restrictions apply. See visa.com/zeroliability for details. Certain terms, conditions and exclusions apply. Please refer to your Guide to Benefits for further details or call the Benefit Administrator at 1-800-397-9010, or call collect outside the U.S. at 303-967-1093.

Credit card offers are subject to credit approval. AAA Travel Advantage Visa Signature® Credit Card or AAA Daily 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.