The AAA Member Rewards Visa Signature® Card by Bank of America is a decent card for AAA members.
You’ll earn 3% cash back on eligible travel and AAA purchases. And 2% cash back for gas, grocery store, and drug store purchases.
There’s a signup bonus offer of $75 for spending $500 in the first 90 days, a return on spend of 15%.
The AAA Members Rewards card is available as either a Visa Signature or Visa Platinum, depending on your creditworthiness. You’ll first be considered for a Signature card. If your credit isn’t good enough, you’ll then be considered for the Platinum. Signature cards have more benefits than Platinum cards.
Cardholders also get a 0% intro APR for 12 months for balance transfers made within the first 60 days.
Confused about all the different amounts listed on your credit card bill? Read our guide to paying credit cards here.
- Annual Fee $0
- Intro Purchase APR -
- Regular Purchase APR 14.99%–24.99% Variable
- 3% cash back on qualifying AAA and travel purchases
- 2% cash back on gas, grocery store, and drug store purchases
- 1% cash back for all other purchases
- Signup Bonus $75 statement credit for making $500 in purchases in the first 90 days
- Chip Technology Chip-and-Signature
- Foreign Transaction Fee None
- Intro Balance Transfer APR 0% for 12 months
- Regular Balance Transfer APR 14.99%–24.99% Variable
- Cash Advance APR 26.99% Variable
- Penalty APR Up to 29.99% Variable
- Late Fee Up to $38
- Returned Payment Fee Up to $27
Check your card's Guide to Benefits to learn the specific benefits your card offers and how to access them. Learn more about credit card benefits here.
The AAA Member Rewards card will come as either a Visa Platinum or Visa Signature, depending on your credit limit when approved. If your credit limit is below $5,000, you’ll get a Visa Platinum which may include the protections mentioned below. If your limit is $5,000 or above, you’ll get a Visa Signature which will probably include additional benefits.
Potential Visa Platinum Benefits
Eligible items purchased with your card can have their manufacturer’s warranty doubled up to an additional year, for warranties of three years or less.
Auto Rental Collision Damage Waiver
Decline the rental company’s own insurance to get coverage against collision damage and theft, for eligible rented vehicles.
Travel and Emergency Assistance Services
Access to a variety of services like medical and legal referrals, emergency transportation or ticket replacement, and pre-trip assistance.
Travel Accident Insurance
Provides up to $100,000 in coverage for accidental loss of life, limb, sight, speech, or hearing while traveling by common carrier.
Potential Visa Signature Benefits
Visa Signature Concierge Service
A 24/7 personal assistant to help in a variety of non-emergency tasks.
Luxury Hotel Collection
Get benefits and amenities at over 900 hotel properties, like a $25 food and beverage credit.
Fine Wine & Food
Special dining and wine experiences.
Access to popular sporting events and premiere golf benefits at Pebble Beach Resorts®.
Discounts and special offers at premium retailers, from jewelry to apparel and electronics.
Provides coverage against lost or stolen items within 90 days from the date of purchase.
Roadside Assistance Hotline
Assistance with services such as towing, changing a flat, or boosting a battery in case of emergency.
Lost Luggage Reimbursement
If checked or carry-on bags are lost or damaged, provides reimbursement up to $3,000 per passenger.
Lost/Stolen Card Reporting
Call customer support to report your card as lost or stolen at any time.
Emergency Card Replacement and Cash Disbursement
After reporting your card as lost you can quickly and easily get a replacement, or an emergency cash advance.
Year-End Summary Statement
A detailed summary of your yearly spending is available upon request.
You will not be held responsible for unauthorized use of your card.
Link a Bank of America account to your card and prevent declined purchases and return checks if you take out too much money from your account.
Protection when you are shopping online.
Get alerts about account information on your phone.
Pay your credit card bill online, transfer funds, check available credit and more.
Send a text and get important account information.
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