AAA Member Rewards Visa Review

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For a credit card with no annual fee, the AAA Member Rewards Visa from Bank of America offers an impressive rewards rate on travel purchases. And despite the name, you don’t even have to be a member of AAA to apply.

AAA Member Rewards Visa®

Overall Rating
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 (%) 13.99% - 23.99% variable
Annual Fee $0
Rewards Earning Rate 3% cash back on eligible travel and AAA purchases, 2% cash back on gas, grocery stores, wholesale club and drugstore purchases, and 1% cash back on purchases everywhere else.
Foreign transaction fee (%) 0%
Ratings Breakdown
for Interest
for Fees
for Rewards
for Credit
Current Offer

Receive a $200 statement credit after you make at least $1,000 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 See more cards
    Jet Setter
  • Avatar for Deal Seeker Persona
    Diligently searches for the best products and delights in a good bargain See more cards
    Deal Seeker
  • Avatar for Road Warrior Persona
    Hits the road often, whether for work or play See more cards
    Road Warrior
  • Avatar for Adventure Seeker Persona
    Loves to explore places and experience new things See more cards
    Adventure Seeker

If you have good credit, the AAA Member Rewards Visa Card is a solid rewards card option for frequent travelers. You’ll earn rewards at a rate on par with (and sometimes better than) travel cards that charge annual fees, which is saying something, considering this card doesn’t charge one. If you like flexibility in how you can use your rewards, this card also fits that bill. Plus, in contrast to some popular travel credit cards, points earned with this card are worth 1 cent each when redeemed for cash.

  • Good rewards rate on travel

  • Wholesale club purchases earn extra points

  • Rewards are worth more when used for AAA vouchers

  • Rewards expire after five years

  • No introductory purchase APR

Pros Explained 

  • Good rewards rate on travel: The earning rate on travel purchases is quite competitive compared to other no-annual-fee travel cards. 
  • Wholesale club purchases earn extra points: Many rewards cards offer bonus points on grocery store purchases, but not if the groceries are purchased from wholesale clubs. This card offers extra cash back on both, which we love. If your go-to grocery store is a place like Sam’s Club or Costco, this card won’t penalize you.
  • Rewards are worth more when used for AAA vouchers: Points earned with this card are typically worth 1 cent each, but their value increases by up to 40% if you redeem them for AAA vouchers, which can be used to pay for things like AAA travel or auto repair services. If you’re an AAA club member and frequently use its services, this is a great way to maximize your earnings and membership benefits.

Cons Explained

  • Rewards expire after five years: While five years may seem like a long time to redeem your rewards, the fact that they expire at all is a bummer. Many cards offer rewards that never expire as long as the card is open. 
  • No introductory purchase APR: Interest-free offers can be a great way to pay off a large purchase over several months, but unlike some competing cards, there is no break on finance charges with this card. 

Accessing the application page for this card may require entering a ZIP code, but the credit card offer will be the same regardless of which local AAA club you are directed to, according to a Bank of America spokesperson.

Bonus for New Cardholders

If you spend $1,000 within the first 90 days of opening an account, you’ll get a $200 statement credit. For a travel card without an annual fee, this is a pretty typical bonus offer. It’s nice that the bonus is in the form of a statement credit, though—no extra steps required to redeem points for cash back.

If you’re looking for a big bonus to save money on your next big trip, you may want to consider a card with an annual fee. Check out our best travel cards for additional options.

Earning Points and Rewards

You’ll earn the highest rate of rewards—3% cash back—on eligible travel and AAA purchases. That’s a generous top-tier earning category compared to similar no-annual-fee travel card offers, and it holds its own against many of the best travel rewards cards. (Lots of travel bookings earn these extra points, too, including airline tickets, hotel stays, rental car purchases, and cruise reservations booked directly or through a travel agency.)

Certain insurance purchases purchased through a AAA Club won’t earn the extra cash back. If you are hoping to rack up rewards on AAA purchases in particular, make sure to read the rewards program fine print first.

You’ll also earn 2% cash back on gas, at grocery stores and wholesale clubs, and on drugstore purchases. (Superstores and convenience stores that sell groceries are excluded.) This is a decent rate for these categories, though not particularly compelling. Then again, cards co-branded with Expedia and Priceline don’t award extra points on any everyday spending categories. All other purchases earn 1 point per $1 spent. 

While there’s no limit to how much cash back you can earn, the rewards will expire five years after the month they were earned, or if you close your card account.

Redeeming Rewards

Like many rewards cards, how you use points earned with this card affects how much they are worth. You have several options: 

  • Cash back: Points are worth 1 cent each when redeemed for cash back (you can get a check or deposit into a Bank of America account) or as a statement credit. That’s a pretty typical return for cash-back rewards and means 100 points get you $1. Cash-back redemptions must be at least 5,000 points, or $50. 
  • Travel: If you want to use rewards for travel, you'll need at least 2,500 points. For air rewards, the number of needed points will be determined when you redeem them. For other travel, such as hotel reservations or rental car bookings through Bank of America, your points will be worth 1 cent each.
  • Gift cards: Redemption values vary for gift cards, but they start at 3,500 points. Depending on the value at redemption, points could be worth less than 1 cent each, making them the not-so-ideal choice.
  • AAA vouchers: These are by far the best use of points earned with this card. Use them to book travel through AAA or pay for an approved auto repair, among other things. And you’ll actually get more value from your points the more you redeem in a voucher. For instance, 5,000 points (the minimum redemption threshold for this option) will get you a $60 AAA voucher (the equivalent of 1.2 cents each), while 50,000 points will get you a $700 AAA voucher (the equivalent of 1.4 cents each.)

To learn more about what credit card points are worth, check out our in-depth analysis of travel rewards programs.

How to Get the Most out of This Card

Start by making sure you earn the bonus, which means you’ll need to spend an average $334 each month for the first three months after opening your account. Then make sure to pay for any eligible travel with the card. If you’re a AAA member, redeem rewards for AAA vouchers to not only maximize point value, but save money on AAA services you were going to use (and pay for) anyway. 

Also, make sure you use this card where you already get AAA member benefits to stack savings. For example, AAA members already get 5 cents back per gallon at Shell gas stations, and this card offers 2 points back per $1 spent. 

You may want to consider pairing this card with a general rewards card that pays on more everyday spending categories, or at higher rates. 

Other Features 

  • FICO Score Program

Customer Experience

Bank of America has a mediocre customer service reputation. In the 2019 J.D. Power U.S. Credit Card Satisfaction Study, it scored “about average” among 11 major card issuers.

Bank of America offers AAA Member Rewards Visa cardholders free access to their FICO score, 24/7 customer service, and assistance via online chat. Not that unusual, but nice to have.

Security Features

This card has industry-standard security features, like the option to sign up for text or email fraud alerts. Bank of America also offers fast and free card replacement for lost or stolen cards.


The AAA Member Rewards Visa has fees typical of what you’ll find on other rewards cards. Like most travel cards, this one doesn’t charge a foreign transaction fee when you travel outside of the U.S.

Next Steps
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See how this card stacks up to the competition
AAA Member Rewards Visa®
overall rating
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% - 23.99% variable
Annual Fee $0
Rewards Earning Rate 3% cash back on eligible travel and AAA purchases, 2% cash back on gas, grocery stores, wholesale club and drugstore purchases, and 1% cash back on purchases everywhere else.
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.

Article Sources

The Balance requires writers to use primary sources to support their work. These include white papers, government data, original reporting, and interviews with industry experts. We also reference original research from other reputable publishers where appropriate. You can learn more about the standards we follow in producing accurate, unbiased content in our editorial policy .
  1. J.D. Power. "Credit Card Rewards War Reaches Inflection Point as Competition Grows, J.D. Power Finds." Accessed January 6, 2021.