aaa visa travel advantage card

Introducing the new way to maximize cash back and accelerate earnings

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 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

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, what is identity theft.

Identity theft occurs when someone uses your personal information without your consent to commit fraud or other crime. Information including your date of birth, name, driver's license, or Social Security number can be used to steal your identity.

What are warning signs of identity theft?

Some warning signs include household bills not being delivered, credit or loan applications being denied, receiving statements for purchases you didn't make, fraudulent transactions appearing on your accounts, your tax return being declined, and small charges appearing on your credit card statements.

How do I minimize the risk of ID theft?

To minimize your risk of identity theft, don't share your personal information, create strong passwords and use two-factor authentication, only sign on to secure Wi-Fi sites, update your social media settings to "private", set up credit card and financial alerts, track your credit score, and avoid using debit cards while shopping online.

What should I do if my identity is stolen?

If you become the victim of identity theft, place a fraud alert on your credit reports, freeze your credit, review your credit reports, contact the Federal Trade Commission, make a list of all stolen items and keep records, contact your creditors and key agencies, and change your accounts passwords.

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.

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If your card was issued before Oct. 2, 2022

If your card was issued after Oct. 3, 2022

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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 $150 bonus after you spend $500 on purchases in the first 3 months from account opening. Plus, earn 5% cash back on grocery store purchases (excluding Target® and Walmart®)

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.

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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