AAA Member Rewards Visa® Credit Card review: Editorial spin
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Snapshot
4.0
Bottom line
Balance transfer intro APR
N/A
Regular APR
15.24% - 25.24%% Variable
Rewards rate
1X - 3X
Annual fee
$0
Bankrate Score
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Bankrate Insight
The AAA Member Rewards card is discontinued. Interested applicants can apply for AAA’s current cards, the AAA Daily Advantage Visa Signature® Credit Card or the AAA Travel Advantage Visa Signature® Credit Card, if they’re particularly interested in AAA. Both of these cards have tiered cash back rates and are issued by Comenity Capital Bank.
AAA Member Rewards Visa® Credit Card card overview
If you’re on the road often, then you may still get a lot out of the AAA Member Rewards Visa Credit Card. While it doesn’t offer premium travel perks, we love that it’s an all-rounder — you’ll get bonus rewards for travel, AAA, grocery store, drugstore, gas station and wholesale club purchases for no annual fee.
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Rewards
- 3X points on qualifying travel and AAA purchases
- 2X points on gas, grocery, drugstore and wholesale club purchases
- 1X point on all other purchases
Expert Appraisal: Typical
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Welcome offer
- $200 statement credit if you spend at least $1,000 in the first 90 days
Expert Appraisal: Good
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Rates and fees
- Annual fee: None
- Balance transfer fee: Either $10 or 3 percent of the amount of each transfer, whichever is greater.
- Foreign transaction fee: None
- Ongoing APR: 15.24 percent to 25.24 percent variable
Expert Appraisal: Good
Alternatives to the AAA Member Rewards card
This card is no longer available, but if its rewards rates, welcome offer and APR appeal to you, here are alternative cash back and rewards cards worth considering.
AAA Member Rewards Visa® Credit Card
Annual fee
Intro offer
Receive a $150 statement credit after you make at least $500 in purchases within the first 90 days of account opening
Rewards rate
3X points on eligible travel and AAA purchases. 2X points on gas, grocery store and drugstore purchases. 1 point per $1 on purchases everywhere else.
Recommended Credit Score
A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.
American Airlines AAdvantage® MileUp® Card
Annual fee
Intro offer
Earn 15,000 American Airlines AAdvantage® bonus miles after $500 in purchases within the first 3 months of account opening.
Rewards rate
Earn 2 AAdvantage® miles for each $1 spent at grocery stores, including grocery delivery services. Earn 2 AAdvantage® miles for every $1 spent on eligible American Airlines purchases. Earn 1 AAdvantage® mile for every $1 spent on other purchases.
Recommended Credit Score
A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.
Annual fee
Intro offer
Unlimited Bonus: Unlimited Mile-for-Mile match for all new cardmembers—only from Discover. Discover gives you an unlimited match of all the Miles you’ve earned at the end of your first year. You could turn 35,000 Miles to 70,000 Miles. There’s no signing up, no minimum spending or maximum rewards. Just a Miles-for-Miles match.
Rewards rate
Automatically earn unlimited 1.5x Miles on every dollar of every purchase.
Recommended Credit Score
A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.
AAA Member Rewards card pros and cons
Pros
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Low ongoing APR and intro APR rival some of the best low-interest cards’ rates.
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Earns boosted points at wholesale clubs.
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Doesn’t charge foreign transaction fees or an annual fee.
Cons
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Need at least 5,000 points for cash or AAA voucher redemption, which could be a hassle.
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AAA points don’t have as much value as other rewards programs.
Best cards to pair with the AAA Member Rewards card
Holding onto the AAA Member Rewards card may increase the average age of your credit card accounts, bolstering your score. But if you want to maximize other cash back and rewards cards, you can stack the AAA card with other options like the ones below
Bankrate’s Take — Is the AAA Member Rewards card worth keeping?
The AAA Member Rewards card is worth holding onto if you’re a regular traveler but want the flexibility to earn and redeem rewards for more than travel. It’s also worth keeping because it increases the average age of your accounts, which looks great on your credit report. However, it isn’t the best option for a strong credit card rewards strategy. Pairing the AAA Member Rewards card with other cash back and rewards credit cards can be a great way to maximize your rewards strategy while keeping a decent credit history.
Closing the card account could decrease your score, so it may be worth considering a product change instead. Switching credit cards with your issuer will keep your card account open but will transition you to a new credit card with all of the ongoing benefits and rates that it offers. However, you won’t get to take advantage of a welcome offer or any other intro offer. Since Bank of America issues the AAA Member Rewards card, you might consider the Bank of America® Customized Cash Rewards Card because it has a rewards program with overlapping categories available on the AAA Member Rewards card.
How we rated this card
We rate credit cards using a proprietary card scoring system that ranks each card’s estimated average rewards rate, estimated annual earnings, welcome bonus value, APR, fees, perks and more against those of other cards in its primary category.
Each card feature is assigned a weighting based on how important it is to people looking for a card in a given category. These features are then scored based on how they rank relative to the features on other cards in the category. Based on these calculations, each card receives an overall rating of 1-5 stars (with 5 being the highest possible score and 1 being the lowest).
We analyzed over 150 of the most popular rewards and cash back cards to determine where each stacked up based on their value, cost, benefits and more. Here are some of the key factors that influenced this card’s overall score and how the score influenced our review:
* See the online application for details about terms and conditions for these offers. Every reasonable effort has been made to maintain accurate information. However all credit card information is presented without warranty. After you click on the offer you desire you will be directed to the credit card issuer's web site where you can review the terms and conditions for your selected offer.
Editorial Disclosure: Opinions expressed here are the author's alone, and have not been reviewed or approved by any advertiser. The information, including card rates and fees, is accurate as of the publish date. All products or services are presented without warranty. Check the bank’s website for the most current information.