AAA Credit & Identity
Credit Card
Choose either one of the AAA Visa Signature® credit cards and earn up to 5% Cash Back on every purchase1,2, including direct AAA purchases for membership, insurance, travel, home security, entertainment/tickets, and auto repair.
In addition to the perks of earning cash back on purchases made with a AAA Visa Signature® credit card3, you’ll also benefit from:
- No Annual Fee and No Foreign Transaction Fees4
- $100 Statement Credit just by spending $1,000 within the first 90 days of account opening5
Identity Protection
Activate credit monitoring, lost wallet assistance, and fraud resolution support—included with AAA Membership at no additional cost.
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. 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 or AAA.com/AdvantageDailyTerms.
4 For new accounts, as of December 2025: Variable Purchase APR of 17.99% - 31.99% based on your credit worthiness at the time of account opening and the Prime Rate. Variable Balance Transfer APR of 17.99% - 31.99%, based on your credit worthiness at the time of account opening and the Prime Rate. Variable Cash Advance APR of 32.99%, based on Prime Rate. Minimum Interest Charge is $3.00. 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.
5 Valid one time only. Offer will be received within 1-2 billing cycles after qualifying spend.