Unlock a world of travel rewards and exclusive benefits with the Aaa Travel Advantage Visa Signature Credit Card. Designed for savvy travelers and AAA members, this credit card offers a pathway to earning valuable cash back and accessing premium Visa Signature perks. Let’s explore the advantages this card brings to your travel experiences.
Earning and Redeeming Rewards
The AAA Travel Advantage Visa Signature Credit Card stands out with its attractive rewards program. Cardholders enrolled in the AAA Travel Advantage program can capitalize on a tiered cash back system designed to maximize earnings on everyday spending and travel-related expenses.
- Elevated Cash Back on Select Categories: Earn a generous 5% cash back on purchases within specific categories throughout the year, up to a maximum of $350 USD in cash back annually. It’s important to note that to ensure you receive the bonus rewards, the merchant code associated with your purchase must align with an eligible category. Merchant codes are assigned by a third party, and while Comenity Capital Bank, the issuer of this card, doesn’t control these assignments, focusing your spending in relevant categories is key to maximizing this benefit. After reaching the $350 cap in the 5% category, you will continue to earn 1% cash back on net eligible purchases.
- 1% Cash Back on All Other Eligible Purchases: Beyond the bonus categories, you’ll earn a consistent 1% cash back on all other net eligible purchases. This ensures that every purchase you make with your card contributes to your rewards balance.
Cash back earned with the AAA Travel Advantage Visa Signature Credit Card provides flexible redemption options. You can redeem your rewards as:
- Statement Credits: Reduce your credit card balance directly.
- Direct Deposit: Have your cash back deposited directly into your bank account.
- Rewards: Redeem for various rewards options, potentially including gift cards or merchandise.
- Qualifying Purchases at Participating AAA Locations: Use your rewards for eligible purchases at participating AAA locations, adding further value to your AAA membership.
Important Terms and Conditions
As with any credit card, understanding the terms and conditions is crucial. For new accounts opened as of February 2025, here are some key points to be aware of:
- Variable APRs: The card features variable Annual Percentage Rates (APRs). The Purchase APR and Balance Transfer APR range from 18.24% to 32.24%, depending on your creditworthiness at the time of account opening and the Prime Rate. The Cash Advance APR is higher at 33.24%, also variable based on the Prime Rate.
- Fees: Be mindful of fees associated with the card. The Minimum Interest Charge is $3. Balance Transfers incur a fee of the greater of $10 or 5% of the transfer amount. Cash Advances also come with a fee of the greater of $10 or 5% of the advance amount.
Exclusive Offers and Benefits
Beyond the rewards program, cardholders may also gain access to exclusive offers. For instance, AAA Travel Advantage Visa Signature Credit Card holders may be eligible for bonus earnings on specific purchases or special discounts with partners.
- TaxAct Discount: In one example of partner benefits, AAA members and prospective members using a designated link to TaxAct for new online tax returns may receive a 25% discount on 2024 online consumer state and federal 1040 returns and specified ancillaries. This offer is valid from December 15, 2024, to October 31, 2025. This discount cannot be combined with other offers and applies to actual prices at the time of purchase.
Visa Signature Advantages
Being a Visa Signature card, the AAA Travel Advantage card may come with additional benefits and protections typically associated with the Visa Signature program. These can include travel assistance services, purchase protections, and more. For detailed information on Visa Signature benefits, it’s recommended to consult the Visa Signature benefits guide.
Conclusion
The AAA Travel Advantage Visa Signature Credit Card presents a compelling option for frequent travelers and AAA enthusiasts. With its tiered cash back rewards, flexible redemption options, and potential access to exclusive offers and Visa Signature benefits, it can be a valuable tool for maximizing your travel spending. Remember to review the full Rewards Terms and Conditions available at AAA.com/AdvantageTravelTerms to fully understand the program details and any updates. Credit card offers are subject to credit approval, and accounts are issued by Comenity Capital Bank, under a license from Visa U.S.A. Inc.
