AAA Credit Card Help Center
Get answers and find resources to help manage your AAA Credit Card.
Frequently Asked Questions
Cardholder Eligibility and Application
No, you do not need to be a AAA Member to apply for either of the AAA Visa Signature® credit cards.
Credit card offers are subject to credit approval. Approval and credit limit decisions are based on multiple factors reviewed during the application process, not credit score alone.
By clicking, get started above you can check if you are pre-qualified prior to submitting an application.
AAA Travel Advantage Visa Signature® Credit Card and AAA Daily Advantage Visa Signature® Credit Card Accounts are issued by Comenity Capital Bank, a Bread Financial® company, pursuant to a license from Visa U.S.A. Inc.
Many applicants may receive a decision shortly after submitting an application. In some cases, additional review may be needed before a final decision is provided.
You'll need to provide personal information such as your email address, name, address, Social Security number or taxpayer identification number, date of birth, income, and contact information. Additional information may be requested during the application review.
Yes. Authorized users can be added to the account, and they are allowed to make purchases; however, the primary account holder is responsible for payments on all purchases.
Applicants must be at least 18 years old, or the age of majority in their state of residence. Additional eligibility requirements may apply.
Applicants need a valid U.S. address and must meet credit approval and identity verification requirements. Non-U.S. residents should review the application requirements before applying.
Credit Card Rewards and Cash Back Redemption
Cash back is earned with eligible purchases on your AAA Visa Signature® credit card. Cash Back can be redeemed as Statement Credits, Direct Deposit, Rewards and qualifying purchases at participating AAA locations.4
Cash Back will expire five (5) years after the date that they are posted to your Cash Back balance. Expiration is subject to the applicable Rewards Terms and Conditions, which may change at any time. Cardholders should review the current terms for details on expiration, redemption, and account requirements.
To qualify, spend $1,000 on your AAA Visa Signature® credit card within 90 days of account opening. The offer is valid one time only and is typically received within 1-2 billing cycles after qualifying spend.3
No. Cash back is earned on eligible purchases and generally does not apply to balance transfers, cash advances, fees, interest, or other non-purchase transactions.
Credit Card Features and Fees
The AAA Daily Advantage card is designed for everyday spending, with elevated cash back on grocery store purchases and select everyday categories.1 The AAA Travel Advantage card is designed for travel and fuel, with elevated cash back on gas, EV charging, travel, restaurants, grocery stores, and AAA purchases.5
The AAA Daily Advantage card may be a better fit for everyday essentials like groceries and select daily purchases. The AAA Travel Advantage card may be a better fit for cardholders who spend more on gas, EV charging, travel, restaurants, and AAA purchases.
No. Both AAA Visa Signature® credit cards offer no annual fee.2
No. Both AAA Visa Signature® credit cards offer no foreign transaction fees.2
Late payment and returned payment fees may apply, based on the account terms. Cardholders should review their Credit Card Agreement or billing statement for current fee information.
Yes. The card includes chip technology and may support contactless payments where accepted.
Yes. Eligible cards can be added to supported digital wallets for convenient purchases where digital wallet payments are accepted.
Using Your Credit Card
You can use your AAA Visa Signature® credit card anywhere Visa credit cards are accepted. Rewards eligibility may depend on the merchant category and the terms of your card's rewards program.
Visa Zero Liability protects you from unauthorized use of your card or account information.
Visa Signature® benefits may include travel and emergency assistance services, subject to terms, conditions, and exclusions. For details, refer to your Guide to Benefits or contact the Benefit Administrator.6
Emergency card replacement or emergency cash assistance may be available through Visa Signature® benefits, subject to eligibility and benefit terms. Refer to your Guide to Benefits or contact the Benefit Administrator for assistance.6
You can manage your account online or through the Bread Financial app, including viewing transactions, making payments, and redeeming cash back. Visit the account center or download the app from your device's app store.
You can set up autopay or paperless statements by signing in to your online account or the Bread Financial app. Follow the account settings or payment preferences prompts to enroll.
Credit limit increase requests may be available through your online account or by contacting Customer Care. Requests are subject to review and approval.
If you suspect fraud, review your recent transactions and contact Customer Care immediately to report the activity. Prompt reporting helps protect your account and allows the issuer to investigate unauthorized charges.
*A soft inquiry is used to check your eligibility which will not affect your credit score.
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 For new accounts, as of October 2026: Variable Purchase and Balance Transfer APRs of 17.74% - 31.74% based on your credit worthiness at the time of account opening and the Prime Rate. Variable Cash Advance APR of 32.74%, based on Prime Rate. Variable Penalty APR up to 33.74%, based on Prime Rate. Minimum Interest Charge is $3. 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.
3 Valid one time only. Offer will be received within 1-2 billing cycles after qualifying spend.
4 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.
5 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.
Credit card offers are subject to credit approval.