AAA Member Rewards Visa Review

Disclosure: We are committed to recommending the best products for our readers. We may receive compensation when you click on links to products, but this never affects our reviews or recommendations.

The AAA Member Rewards Visa offers AAA members solid travel rewards with very few fees attached. This makes it a budget-friendly travel card for people already taking advantage of AAA’s discounts.

AAA Member Rewards Visa®

overall rating
3.6
AAA Member Rewards Visa®
Recommended Credit Score Our recommended ranges are based off of the FICO® Score 8 credit-scoring model. Credit score is one of the many factors lenders review in considering your application.
350 579
580 669
670 739
740 799
800 850
Good - Excellent
Regular APR (%) 15.49% - 25.49% variable
Annual Fee No Annual Fee
Rewards Earning Rate 3x points per dollar on eligible travel purchases. 2x points on purchases made at grocery stores, gas stations, wholesale clubs and drugstores. 1x point for every dollar you spend on purchases anywhere else.
Ratings Breakdown
for Interest
1.9
for Fees
3.8
for Rewards
3.9
for Credit
4.0

Receive a $150 statement credit after you make at least $750 in purchases within the first 90 days of account opening

Who is This Credit Card Best For?

  • Avatar for Jet Setter Persona
    Flies regularly and likes finding ways to score even more travel—for free
    Jet Setter
  • Avatar for Road Warrior Persona
    Hits the road often, whether for work or play
    Road Warrior
  • Avatar for Adventure Seeker Persona
    Loves to explore places and experience new things
    Adventure Seeker
  • Avatar for Deal Seeker Persona
    Diligently searches for the best products and delights in a good bargain
    Deal Seeker

The AAA Member Rewards Visa card is best for travel-savvy AAA members. You’ll earn a rewards rate on par with (and sometimes better than) travel cards with annual fees, which is saying something, considering this card doesn’t have one. If you like flexibility in how you can use your rewards, this card fits the bill, though its rewards aren’t as valuable as some other cards’ rewards. But again, those tend to have annual fees.

Pros

  • Travel rewards with no annual fee

  • Easy-to-earn sign-up bonus

  • No foreign transaction fee

Cons

  • You have to be a AAA member

  • No introductory purchase APR

Pros Explained 

  • Travel rewards with no annual fee: You can quickly rack up points when you spend on travel and everyday purchases like gas and groceries without the upfront cost of an annual fee.
  • Easy-to-earn sign-up bonus: You don’t have to spend much to earn a one-time statement credit—a nice benefit if you’re not a big spender but still want to make the most of credit card rewards.
  • No foreign transaction fee: Travel outside of the United States without worrying about an extra fee every time you use your card. This is a must-have feature on travel cards. 

Cons Explained

  • Required AAA membership: You must be a AAA member to apply, which has its own fees, starting at $60 per year. Although, the membership comes with discounts. But if you're not a member and aren't interested in becoming one, don't bother with this card.
  • No introductory purchase APR: You’ll pay the regular interest rates on new purchases from the first day you have the card. This is a con because many rewards cards give new customers the opportunity to pay off large purchases over several months without accruing interest.

AAA Member Rewards Visa Sign-Up Bonus

If you spend $750 within the first 90 days of having an account, you’ll get a $150 statement credit. For a card without an annual fee, this is a substantial cash-back offer. The statement credit may take six to eight weeks to post.

Earning Points & Rewards

The AAA Member Rewards Visa offers three levels of rewards: 

  • 3 points per $1 spent on most travel and AAA purchases
  • 2 points per $1 on gas, grocery store, wholesale club, and drugstore purchases
  • 1 point per $1 spent on everything else

What earns cash back on travel purchases is pretty simple: purchases made through AAA, airline tickets, hotels, rental cars, rail, and cruises. However, things like travel insurance and things bought through AAA by provided by a third-party vendor just earns 1 per $ spent. (Yes, we know that’s confusing. Double-check the product provider before buying something through AAA.)

Note

While the 2 points per $1 spent on groceries is available at a wide variety of stores from bakeries to full-fledged grocery stores, smaller grocery stores and convenience stores may not count.

Redeeming Rewards

Points are valued at 1 cent per point, or 100 points per $1. 

  • Cash back or statement credits: You can redeem points for cash back at 1 cent per point. The minimum amount needed for cash-back redemptions is 5,000 points, which are worth $50. 
  • AAA vouchers: AAA vouchers are the best deal with bonuses that change as the dollar value goes up. Redemption bonuses range from 20% to 40%. For instance, 5,000 points is redeemable for a $60 AAA voucher. 50,000 points is redeemable for a $700 AAA voucher. 
  • Gift cards: Redeeming points for a gift card has the least value. They start at 3,500 points with a redemption value of about $25.
  • Travel redemption: Redeem points at 1 cent per point beginning at 2,500 points. 

How to Get the Most Out of This Card

Combine AAA points earnings with AAA discounts. For instance, gas purchases earn 2 points per $1 spent, and AAA members earn another 5 cents per gallon at Shell gas stations. 

AAA Member Rewards Visa’s Other Features 

This card doesn’t offer any exceptional perks, but it has a couple of nice benefits:

  • Insurance for damaged or stolen purchases
  • Extended warranties 

Customer Experience

For AAA members, consider whether you are happy with the service you are getting from AAA first. Then, consider the service you could get from Bank of America with the AAA Member Rewards Visa.

Bank of America has a mediocre reputation among its cardholders. In the 2019 J.D. Power U.S. Credit Card Satisfaction Study, it scored 798 out of 1,000 points—below the industry average of 806 and seventh out of 11 major card issuers.

However, Bank of America offers AAA credit cardholders free access to their FICO score, 24/7 customer service, and assistance via online chat. Not all card issuers offer these features. 

Security Features  

This card has industry-standard security features, like instant fraud alerts by text or email. But its security stands out in two ways:

  • Free, fast card replacement 
  • Ability to lock your card can be locked via the app

Fees 

The AAA Member Rewards Visa has fees typical of what you’ll find on other rewards cards. If you travel outside of the United States, you’ll be happy to know this card doesn’t charge a foreign transaction fee.

For AAA Member Rewards Visa®

Compare This Card

See how this card stacks up to the competition
CURRENT CARD
AAA Member Rewards Visa®
overall rating
3.6
Recommended Credit Score Our recommended ranges are based off of the FICO® Score 8 credit-scoring model. Credit score is one of the many factors lenders review in considering your application.
350 579
580 669
670 739
740 799
800 850
Good - Excellent
Regular APR (%) 15.49% - 25.49% variable
Annual Fee No Annual Fee
Rewards Earning Rate 3x points per dollar on eligible travel purchases. 2x points on purchases made at grocery stores, gas stations, wholesale clubs and drugstores. 1x point for every dollar you spend on purchases anywhere else.
< Prev
  • {{ item.creditCardView.name }}
    overall rating
    {{ formatScore(item.creditCardView.overallScore) }}
    Recommended Credit Score Our recommended ranges are based off of the FICO® Score 8 credit-scoring model. Credit score is one of the many factors lenders review in considering your application.
    350 579
    580 669
    670 739
    740 799
    800 850
    {{ rangeLabel(item) }}
    {{ getAttribute(item, 'regularApr').displayName }} {{ attributeValueFormat(item, 'regularApr') + ' ' + attributeValueFormat(item, 'regularAprType') }}
    {{ getAttribute(item, 'annualFeeDisplay').displayName }} {{ attributeValueFormat(item, 'annualFeeDisplay') }}
    {{ getAttribute(item, 'introPurchaseAprPercentage').displayName }} {{ attributeValueFormat(item, 'introPurchaseAprPercentage') }}
  • Capital One® Quicksilver® Cash Rewards Credit Card
    overall rating
    4.8
    Recommended Credit Score Our recommended ranges are based off of the FICO® Score 8 credit-scoring model. Credit score is one of the many factors lenders review in considering your application.
    350 579
    580 669
    670 739
    740 799
    800 850
    Good - Excellent
    Regular APR (%) 16.24% - 26.24% variable
    Annual Fee No Annual Fee
    Rewards Earning Rate 1.5 % Cash Back on every purchase, every day.
  • Discover it® Miles
    overall rating
    4.7
    Recommended Credit Score Our recommended ranges are based off of the FICO® Score 8 credit-scoring model. Credit score is one of the many factors lenders review in considering your application.
    350 579
    580 669
    670 739
    740 799
    800 850
    Good - Excellent
    Regular APR (%) 13.99% - 24.99% variable
    Annual Fee No Annual Fee
    Rewards Earning Rate Earn unlimited 1.5x Miles for every dollar spent on all purchases
  • Capital One® SavorOne® Cash Rewards Credit Card
    overall rating
    4.7
    Recommended Credit Score Our recommended ranges are based off of the FICO® Score 8 credit-scoring model. Credit score is one of the many factors lenders review in considering your application.
    350 579
    580 669
    670 739
    740 799
    800 850
    Good - Excellent
    Regular APR (%) 16.24% - 26.24% variable
    Annual Fee No Annual Fee
    Rewards Earning Rate Earn 3% Cash Back on dining, 3% Cash Back on entertainment, 2% Cash Back at grocery stores, and 1% Cash Back on all other purchases.
  • Capital One® VentureOne® Rewards Credit Card
    overall rating
    4.7
    Recommended Credit Score Our recommended ranges are based off of the FICO® Score 8 credit-scoring model. Credit score is one of the many factors lenders review in considering your application.
    350 579
    580 669
    670 739
    740 799
    800 850
    Good - Excellent
    Regular APR (%) 14.24% - 24.24% variable
    Annual Fee No Annual Fee
    Rewards Earning Rate Earn 1.25 miles per dollar on every purchase.
  • Chase Freedom Unlimited®
    overall rating
    4.6
    Recommended Credit Score Our recommended ranges are based off of the FICO® Score 8 credit-scoring model. Credit score is one of the many factors lenders review in considering your application.
    350 579
    580 669
    670 739
    740 799
    800 850
    Good - Excellent
    Regular APR (%) 16.99% - 25.74% variable
    Annual Fee No Annual Fee
    Rewards Earning Rate Earn unlimited 1.5% cash back on every purchase.
  • Bank of America Cash Rewards Credit Card
    overall rating
    4.6
    Recommended Credit Score Our recommended ranges are based off of the FICO® Score 8 credit-scoring model. Credit score is one of the many factors lenders review in considering your application.
    350 579
    580 669
    670 739
    740 799
    800 850
    Good - Excellent
    Regular APR (%) 15.99% - 25.99% variable
    Annual Fee No Annual Fee
    Rewards Earning Rate Earn up to 3% cash back in the eligble category of your choice.
  • Chase Sapphire Preferred® Card
    overall rating
    4.5
    Recommended Credit Score Our recommended ranges are based off of the FICO® Score 8 credit-scoring model. Credit score is one of the many factors lenders review in considering your application.
    350 579
    580 669
    670 739
    740 799
    800 850
    Good - Excellent
    Regular APR (%) 17.99% - 24.99% variable
    Annual Fee $95
    Rewards Earning Rate 2X points on travel and dining at restaurants & 1 point per dollar spent on all other purchases worldwide
  • Bank of America Travel Rewards Credit Card
    overall rating
    4.5
    Recommended Credit Score Our recommended ranges are based off of the FICO® Score 8 credit-scoring model. Credit score is one of the many factors lenders review in considering your application.
    350 579
    580 669
    670 739
    740 799
    800 850
    Good - Excellent
    Regular APR (%) 16.99% - 24.99% variable
    Annual Fee No Annual Fee
    Rewards Earning Rate Earn unlimited 1.5 points for every $1 you spend on all purchases everywhere.
  • Chase Freedom®
    overall rating
    4.5
    Recommended Credit Score Our recommended ranges are based off of the FICO® Score 8 credit-scoring model. Credit score is one of the many factors lenders review in considering your application.
    350 579
    580 669
    670 739
    740 799
    800 850
    Good - Excellent
    Regular APR (%) 16.99% - 25.74% variable
    Annual Fee No Annual Fee
    Rewards Earning Rate Earn 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate and unlimited 1% cash back on all other purchases.
  • Wells Fargo Cash Wise Visa® Card
    overall rating
    4.5
    Recommended Credit Score Our recommended ranges are based off of the FICO® Score 8 credit-scoring model. Credit score is one of the many factors lenders review in considering your application.
    350 579
    580 669
    670 739
    740 799
    800 850
    Good - Excellent
    Regular APR (%) 15.99% - 27.99% variable
    Annual Fee No Annual Fee
    Rewards Earning Rate Earn 1.5% cash rewards on everyday purchases
Next >

Our Methodology

  • At The Balance, we are dedicated to giving you unbiased, comprehensive credit card reviews. To do this, we collect data on hundreds of cards and score more than 55 features that affect your finances.
  • Our Reviews Are Always Impartial: No one can influence which cards we review, the way we present them to you, or the ratings they receive. The scores and reviews come directly from the data we collect and our editorial expertise, and we focus on three areas:
  • How Much Does It Cost? With credit card debt at an all-time high, we believe you should know the cost of carrying a balance. Because of that, we give regular purchase APRs significant weight in overall scores, and cards receive low marks if they have an array of pricey fees.
  • What Are the Rewards Worth? Cards accumulate rewards in different currencies—points, miles, cash back—and their values vary widely. To simplify the problem, we built a system that fairly compares rewards and gives them a dollar value. We do this by looking at the ways you can earn and use rewards, which includes evaluating Americans’ typical spending habits and analyzing common travel patterns.
  • Does It Make Your Life Easier? Our scoring system favors cards that accept a wide range of credit profiles and offer simple solutions for things like checking your credit score or contacting customer service. Finally, we give preference to credit cards that have several tools for dealing with fraudulent charges.
  • For every review on The Balance, we hold the credit cards to these standards, and we set the bar high. While we recognize the appeal of splashy features like six-digit sign-up bonuses, our approach ensures that credit cards with the best combination of value, affordability, and accessibility receive the highest scores. See our full methodology for more details.