AAA Credit Cards
Check if you prequalify in minutes without impacting your credit score.*
Purchases earn:
5% cash back
on grocery store purchases1
3%
cash back on gas, electric vehicle charging, wholesale clubs, streaming services, pharmacy, and AAA purchases1
1%
cash back on all other purchases4
$100 statement credit just by spending $1,000 within the first 90 days of account opening3
Annual fee: $0; Foreign transaction fees: 0%2
AAA Travel Advantage Visa Signature® Credit Card
Purchases earn:
5% cash back
on gas and electric vehicle charging purchases5
3%
cash back on grocery store, restaurant, travel, and AAA purchases5
1%
cash back on all other purchases4
$100 statement credit just by spending $1,000 within the first 90 days of account opening3
Annual fee: $0; Foreign transaction fees: 0%2
Enter your monthly expenses to see your estimated cash back:
AAA Daily Advantage Visa Signature® Credit Card
AAA Travel Advantage Visa Signature® Credit Card
AAA Visa Signature® Benefits6
Whether you’re grabbing coffee down the street or boarding a flight across the globe, your Visa comes with automatic travel and purchase protections.
Visa Zero Liability
You’re covered if your card is ever lost, stolen, or fraudulently used.
Travel & Emergency Assistance
Access a multilingual call center 24/7.
Emergency Card Replacement
Upon Comenity Capital Bank approval, get an emergency card delivered to you within 24 to 72 hours.
Emergency Cash Disbursement
Receive a wire transfer to your local Western Union within two hours of approval from your bank.
No, you do not need to be a AAA Member to apply for 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.
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 generally 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 generally 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.
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.
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.
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.
Yes. The card includes chip technology and may support contactless payments where accepted. Additionally, eligible cards can be added to supported digital wallets for convenient purchases where digital wallet payments are accepted.
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 helps protect U.S.-issued cardholders from unauthorized purchases when certain conditions are met. Cardholders should report suspected unauthorized activity promptly.
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.
Manage your AAA Visa Signature® credit card.
To manage your AAA Visa Signature® credit card, including paying your bill or redeeming your cash back rewards, please log in to the account center below.
*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 September 2026: Variable Purchase and Balance Transfer APRs of 17.49% - 31.49% based on your credit worthiness at the time of account opening and the Prime Rate. Variable Cash Advance APR of 32.49%, based on Prime Rate. Variable Penalty APR up to 33.49%, 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.
7 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. 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. 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.
Credit card offers are subject to credit approval.