AAA Member Rewards Visa Signature® Card

For People with
Fair Credit



The AAA Member Rewards Visa Signature® Card by Bank of America is a decent card for AAA members.

This card may or may not be available to you, depending on where you live and which AAA club you have a membership with. When you visit the AAA website or go to apply for this card you may be asked to input your zip code. You might be given a different card offer after that.

You’ll earn 3X points per dollar on eligible travel and AAA purchases. And 2X points per dollar for gas, grocery store, wholesale club, and drug store purchases.

There’s an introductory bonus offer of $150 for spending $750 in the first 90 days, a return on spend of 20%.

The AAA Member 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, then your rate will be 15.49%–25.49% Variable.

This card has no annual fee.

Card Quick Facts

Card Quick Facts

  • 3X points per dollar on qualifying AAA and travel purchases
  • 2X points per dollar on gas, grocery store, and drug store purchases
  • 1X point per dollar for all other purchases
  • $150 statement credit after spending $750 in the first 90 days
  • 0% intro APR for 12 months for balance transfers made within the first 60 days, then your rate will be 15.49%–25.49% Variable
  • Visa Platinum or Visa Signature benefits
  • No annual fee
  • No foreign transaction fees

For People with
Fair Credit



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Card Details



  • 3X points per dollar on:
    • AAA
    • Travel
  • 2X points per dollar for:
    • Gas
    • Grocery stores
    • Wholesale clubs
    • Drug stores
  • 1X point per dollar for all other purchases

Introductory Bonus

  • $150 statement credit for spending $750 in the first 90 days
Card Stats

Card Stats

Annual Fee $0
Additional Cards Annual Fee $0
Regular Purchase APR 15.49%–25.49% Variable
Intro Purchase APR -
Foreign Transaction Fee None
Chip Technology Chip-and-Signature & Chip-and-PIN
Minimum Credit Limit -
Maximum Credit Limit -
Free Credit Score No
Penalty APR Up to 29.99% Variable
Late Fee Up to $39
Returned Payment Fee Up to $28
Balance Transfers

Balance Transfers

Intro Balance Transfer APR 0% for 12 months
Regular Balance Transfer APR 15.49%–25.49% Variable
Balance Transfer Fee 3%, $10 minimum
Cash Advances

Cash Advances

Cash Advance APR 18.49%–27.49% Variable
Cash Advance Fee 3%, $10 minimum

Card Benefits

Check your card’s Guide to Benefits to learn the specific benefits your card offers and how to access them.

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 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.

  • Sports Experiences

    Access to popular sporting events and premiere golf benefits at Pebble Beach Resorts®.

  • Shopping Discounts

    Discounts and special offers at premium retailers, from jewelry to apparel and electronics.

  • Fraud Protection

    You will not be held responsible for unauthorized use of your card.

  • Overdraft Protection

    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.

  • ShopSafe®

    Protection when you are shopping online.

Potential Visa Signature Benefits

  • 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.

Potential Visa Platinum Benefits

  • Extended Warranty

    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.

Potential Visa Signature Benefits

  • Purchase Protection

    Provides coverage against lost or stolen items within 90 days from the date of purchase.

Potential Visa Platinum Benefits

  • 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

  • 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.

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