Terms and Conditions

1 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 comenity.net/aaarewards/common/Legal/RewardsTermsAndConditionsDisclosure.xhtml.

2 For new accounts, as of 11/21: Variable Purchase APR of 13.99%, 21.99%, and 27.99%% based on the Prime Rate. Balance Transfer APR of 26.99%. Variable Cash Advance APR of 28.99%, based on Prime Rate. Minimum Interest Charge is $2.00 per Credit Plan. Balance Transfer Fee of the greater of $10.00 or 5% of the transfer. Cash Advance Fee of the greater of $10.00 or 5% of the advance. Convenience Check Fee of the greater of $35.00 or N/A% of the amount of the convenience check.

3 Valid one time only. Offer is exclusive to AAA Preferred Rewards Visa Credit Card holders enrolled in the AAA Rewards program. Maximum of $100. Purchases do not include returns, refunds or credit adjustments, balance transfers, cash advances, interest charges, and fees of any kind. Once earned, the offer will be automatically fulfilled as a $100 statement credit within 2 billing cycles.

4 Offer is exclusive to AAA Preferred Rewards Visa Credit Card holders enrolled in the AAA Rewards 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. Purchases do not include returns, refunds or credit adjustments, balance transfers, cash advances, interest charges, and fees of any kind. Once earned, you must redeem for statement credit at comenity.net/aaarewards.

5 Offer is exclusive to AAA Preferred Rewards Visa Credit Card holders enrolled in the AAA Rewards 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. Purchases do not include returns, refunds or credit adjustments, balance transfers, cash advances, interest charges, and fees of any kind. Once earned, you must redeem for statement credit at comenity.net/aaarewards. Visit comenity.net/aaarewards for more information on rotating categories.

Credit card offers are subject to credit approval.

AAA Preferred Rewards Visa 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.