WalletHub Rating
4.3/5
AAA Travel Credit Card has a rating of 4.3/5 according to our proprietary credit card rating system. This rating reflects how appealing AAA Travel Credit Card's terms are compared to a pool of more than 1,500 credit card offers tracked by WalletHub. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is 'Earn Gas Rewards'. To break it down further, AAA Travel Credit Card earned a score of 5.0/5 for Fees, 4.4/5 for Rewards, 4.5/5 for Cost, and 3.6/5 for User Reviews.Info about the AAA Travel Credit Card has been collected by WalletHub to help consumers better compare cards. The financial institution did not provide the details.
WalletHub Rating Breakdown
User Reviews
3.6/5
324 reviewsRead and write reviews
Editor’s Review
4.0/5
John Kiernan, Credit Card EditorRead full review
Market Comparison
Market Comparison
4.4
The Market Comparison is a key component of the WalletHub Rating, as it measures how appealing the terms of a card are compared to a pool of over 1,500 credit card offers monitored by WalletHub. To ensure cards are evaluated for their most relevant purpose, we score each card across various cardholder needs and select the rating for the need with the highest score, which is “Earn Gas Rewards” for this card.
Fees
5.0
Rewards
4.4
Cost
4.5
Other Features
0.0
4.4/5
Compared against 1,500+ credit cards
KEY TERMS
Accepted Credit Scores
Accepted Credit Scores
Excellent Credit, Good Credit
Annual Fee
$0
APR on Purchases
19.24% - 33.24% (V)
Balance Transfer
APR: 26.99%
Balance Transfer Fee
Rewards
$100 statement credit when you spend $1,000 within the first 90 days of account opening.
5% cash back on gas & electric vehicle-charging stations.
3% cash back on grocery store, restaurants, travel, and AAA purchases.
1% cash back on all other purchases.
5% Incremental redemption bonus on AAA purchases with AAA Northeast Counselors and Advisors.
AAA Travel Credit Card's Additional Info
Emergency Card Replacement & Cash Disbursem*nt, Zero Liability, Travel & Emergency Assistance Services and Concierge Services.
This card is open to new applications in limited locations.
AAA Northeast serves members in CT, MA, NH, NJ, NY & RI.
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Editor's ReviewFact checked
Fact checked
John Kiernan, Managing Editor
August 2nd, 2024
Fact Checked by Alina Comoreanu
Senior Researcher
AAA Travel Credit Card Review
4.0 / 5
- Great way to save on Gas, AAA & travel. The AAA Travel Credit Card gives you 5% spent on purchases made at gas stations as well as those classified as electric-vehicle charging stations. You will also earn a very solid 3% cash back on groceries, restaurant, travel and AAA purchases. But all other purchases will earn you 1% cash back, which is roughly the market average for a rewards card. So the more you use the AAA Visa Card for those bonus categories, the more rewarding it will be.
- $100there for the taking. If you spend at least $1,000 within 90 days of opening your AAA Travel Credit Card account, you will get a $100 rewards bonus. That’s nice and all, but you can get two or three times that amount with the same initial spending from other cards.
- No annual fee. The AAA Travel Card is $22.22 per year cheaper than the average credit card, according to WalletHub’s latest Credit Card Landscape Report. That’s a good thing, if not an attribute that sets the AAA card apart from the pack. There are hundreds of credit cards with no annual fee.
- Middle-of-the-road financing appeal. The AAA Credit Card’s regular APR figures to be above average. The average credit cards for people with excellent and good credit charge 18.2%and 24.36%, respectively. So you should take your financing needs elsewhere.
- Gotta have good credit. The AAA Visa Travel Credit Card requires good or excellent credit for approval, so it’s not for everyone. You can get a sense of your chances by checking your credit score for free on WalletHub.
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Compare The AAA Travel Credit Card vs. Popular Alternatives
 AAA Travel Credit Card |  Costco Anywhere Visa® Card by Citi |  Chase Sapphire Preferred® Card |
|---|---|---|
4.3WalletHub Rating WalletHub Rating 4.3 This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Earn Gas Rewards." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs. Editor’s Rating 4.0 User Reviews 3.6 Market Comparison 4.4 fees: 5.0 rewards: 4.4 cost: 4.5 Other Features: 0.0 | 3.6WalletHub Rating WalletHub Rating 3.6 This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Earn Gas Rewards." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs. Editor’s Rating 4.7 User Reviews 3.6 Market Comparison 3.5 fees: 5.0 rewards: 3.0 cost: 3.6 Other Features: 0.0 | 4.6WalletHub Rating WalletHub Rating 4.6 This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Earn Rewards." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs. Editor’s Rating 5.0 User Reviews 3.9 Market Comparison 4.6 fees: 2.9 rewards: 4.8 cost: 5.0 Other Features: 5.0 |
annual fee$0 | annual fee$0 | annual fee$95 |
rewards rate | rewards rate | rewards rate |
bonus offer | bonus offer | bonus offer |
Purchase Intro APRNot Offered | Purchase Intro APRNot Offered | Purchase Intro APRNot Offered |
transfer intro aprNot Offered | transfer intro aprNot Offered | transfer intro aprNot Offered |
Regular APR19.24% - 33.24% (V) | Regular APR20.49% (V) | Regular APR21.49% - 28.49% (V) |
Sponsored Apply Now | Sponsored Apply Now |
Questions & Answers
Can't find what you are looking for? Submit your question about AAA Travel Credit Card to our community. Editorial and user-generated content is not provided, reviewed or endorsed by the issuer of this offer. Please keep in mind that it is not a financial institution’s responsibility to ensure all posts and questions are answered. In addition, WalletHub independently collected information for some of the cards on this page.
Most Popular
5
Upvotes
How can I pay my AAA Travel Credit Card?
Reply
5
Maria Adams, Credit Cards Moderator
@m_adams
You can make an AAA Travel Credit Card payment online, by phone, by mail or through EasyPay. To pay an AAA Travel Credit Card bill online, log in to your online account and find the payment button. Then, choose how much to pay, when to pay it, and where the payment is coming from. Comenity Capital Bank does allow cardholders to set up automatic payments, too.
Ways to Make an AAA Travel Credit Card Payment
- Online: Log in to your online account or use the EasyPay feature in order to pay your bill.
- By phone: Call 1 - 800-328-4850 and enter your card information when prompted, then press N/A.
- By mail: Send a check or money order (but not cash) to Cardmember Service P.O. Box 790408 St. Louis, MO 63179-0408. Make sure to send it early enough that it will arrive by the due date. Write your credit card number on the check, too.
In conclusion, there are multiple ways to make a AAA Travel Credit Cardpayment, so just choose whichever method is easiest for you. The important part is to not miss payments, as that can seriously damage your credit score.
1
How do I apply for AAA Credit Card?
Reply
6
Paddy Sullivan, WalletHub Credit Card Advisor
@PaddySully
The easiest way to apply for the AAA Travel Credit Card is online, by going directly to Comenity Capital's website. Alternatively, you can apply by phone.
Keep in mind that the AAA Travel Credit Card requires good credit, which means you need a 700+ credit score for high approval odds. Also note that applying for the card triggers a hard inquiry, which may temporarily hurt your credit score. So, it's good to know what your chances are before applying. You can...
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1
View more answers
Upvotes
What are the AAA Credit Card rewards?
Reply
Alex Johnson, WalletHub Credit Card Consultant
@alex.johnson2
The AAA Travel Credit Card rewards are: 5% cash back on gas & electric vehicle-charging stations, 3% cash back on grocery store, restaurants, travel, and AAA purchases, and 1% back on all other purchases. You can redeem your AAA Travel Credit Card rewards from youronline banking accountor by calling(800)328-4850. You can also redeem your points at your local AAA Club.
AAA Travel Credit Card Redemption Options
- AAA Merchandise & Travel: Travel purchases include air travel, car rentals and hotel stays, among other options. For redeeming cash back through AAA Club locations, check with your local AAA Club or visit com to confirm participation.
- Direct Deposit: You...
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1
3
Upvotes
What's the AAA Credit Card phone number for customer service?
Reply
3
Sydney Garth, Credit Cards Moderator
@sydneygarth
The AAA Travel Credit Card's phone number for customer service is (800)328-4850. You can also call the number you see on the back of your card to talk to a representative who should be able to answer your questions or direct you to the appropriate department.
How to Talk to the AAA Travel Credit Card Customer Service
- Call (800)328-4850 or the number you see on the back of your card.
- Say “I don't have it” every time...
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1
Upvotes
Does the AAA Travel Credit Card have a mobile app?
Reply
Maria Adams, Credit Cards Moderator
@m_adams
No, the AAA Travel Credit Card doesn't have a mobile app at the moment. However, you can manage your credit card through the card's webpage. You can pay your credit card bill, see credit card statements, monitor account activity, and change account information such as passwords and automatic payments.
Ultimately, if you have questions about your AAA Travel Credit Card, you can contact customer service at (800) 328-4850.
40
Upvotes
What's the AAA Credit Card credit score requirement?
Reply
40
16
John Hoskin
@john_hoskin
The AAA Credit Card credit score requirement is good credit.
However, having a good credit score doesn't guarantee your approval. Other factors will also be taken into consideration when looking at your application, like your income or any existing debts you might have.
5
18
Upvotes
How do I check my AAA Credit Card application status?
Reply
18
8
WalletHub
@WalletHub
You can check your AAA Credit Card application status online or by calling Bank of America's customer service at 1-866-665-3581. Bank of America issues the AAA Credit Card.
Once your application has been submitted, an answer is usually provided within 60 seconds, so make sure to check your email inbox before calling.
4
6
Upvotes
Does the AAA Travel credit card offer rental car insurance?
Reply
6
Jena Vaughan
@poprock
The AAA Credit Card rental car insurance is a complimentary benefit that covers the cash value of most rental vehicles, in case of damage, theft, loss of use charges, and towing charges.
The AAA Credit Card rental car insurance is secondary to other insurance you have. So if you have a personal auto insurance plan that covers rental cars, you need to get reimbursed through that first.
To get the benefit, charge your...
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2
1
Upvote
How much is the AAA Credit Card foreign transaction fee?
Reply
1
Patrick Murphy, WalletHub Analyst
@stpatrick1982
The AAA Travel Credit Card foreign transaction fee is 0%. This means you won't be charged extra on transactions processed outside of the United States, whether it's a purchase at a physical location in a foreign country, or an online transaction through an internationally-based merchant.
1
32
Upvotes
How do I find out how much my existing points are worth in cash?
Reply
32
7
WalletHub
@WalletHub
The current redemption value for cash rewards, check or deposits into a checking or savings account is 1% of the amount of the points redeemed (100 points=1$). The redemption value for other reward options varies based on the type of reward and amount of points redeemed. You can find out more about Bank of America rewards in our article at: https://wallethub.com/edu/bank-of-america-rewards-review/25847/ . Best of luck!
1
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AAA Travel Credit Card Reviews
Share your insights and review for the AAA Travel Credit Card
5
15%
4
59%
3
12%
2
8%
1
7%
3.6
324 reviews
324 reviews
What's Your Rating?
Most Recent
Daniel J Estrada
@sosb528
1 Star Rating
Not happy with the AAA card company. The people that answer the phones tell you what you want to hear and no results. I received my initial card with an "incorrect name" issue and was hesitant to use it even after speaking with customer service. I went ahead and used it for a few things when my daughter from out of state visited me here in Phoenix, AZ. They assured me a card would arrive very soon and to go ahead and use the card. After many weeks maybe even a month or so I called again because I had not yet received the card. Again they assure me that I can use the card I have until the new card arrives. This agent tells me that she sees my previous call and will "expedite" another card to me. I ask what does expedite mean. She tell me in about 48 hours. I thank her for assisting me. The card DID NOT arrive within 48 hours. In fact it has been about two weeks and nothing. Yesterday when I checked my mail I get an envelope that appears to have a card inside. As I go to unlock the front door I notice a delivery from UPS on the ground by the door. Once inside I begin to open my mail. The envelope does have my new card with correct spelling of my name. When I open the UPS envelope it too has a white envelope. I open it and there it is, another card. So now I have two AAA cards with name spelled correctly that arrived weeks and months AFTER speaking with customer service. Once I pay off the balance I will no longer use this card. With the customer service that LIES how can I trust this company? I am a Retired Military Veteran and Integrity is a value I believe in. AAA Customer Service lacks integrity. I have other cards to use if and when I need a credit card. I am Very Disappointed with AAA Credit Card.
Comment
1
letjessdothatmess
@letjessdothatmess
1 Star Rating
HORRIBLE COMPANY AND CARD!! I applied 11/14 to pay for a Disney Cruise. I was given a temporary card number and it didn't work. I called customer service and was advised the system activated my physical card in error and that voided the temporary card number. I had 72hrs to pay my deposit. The agent advised she would cancel the card and expedite a new one. The expedite date was 11/21! 7 days is NOT expedited. Not one person in customer service was helpful. No empathy no resolution. I wasted an inquiry and will impact credit as I closed the account today.
Comment
1
Newman283
@Newman283
2 Star Rating
I have had this card for almost one year and their rewards program is not what it is made to be. There is suppose to be 3% on Travel and AAA related purchases that do not work. My first purchase of an Airfare through the AAA site was only rewarded at 1%. Contact with their customer service after the complaint I was never contacted as promised. A 'Fox Rental Car' attempt online purchase was declined. A another in person charge for the rental was only rewarded at 1% instead of the expected 'Travel' 3%. Airport parking was only rewarded at 1%, is that not Travel. Too hard to guess what they pay so I will move most of my other charges than Gas and Grocery to other cards.
Comment
1
fritzsummerrockwood
@fritzsummerrockwood
1 Star Rating
Terrible card for someone who travels. The bank just shut off my card mid-trip! I was out on the road and the card just stopped working. Called the number, the rep said I had to wait to get a letter. Several weeks later I got home to a letter demanding copies of social security cards etc. that they had to review within 30 days or the account would be permanently closed. I usually think of AAA as a company that helps prevent travelers from becoming stranded. But AAA WILL CAUSE YOU TO BE STRANDED ON THE ROAD if you use their credit card.
Comment
1
Peter Yancey
@peteprint
1 Star Rating
I had a AAA Visa with B of A and no problems at all. Then it was switched over to Comenity. Within a month I had to dispute hundreds of dollars of bogus charges. Then, my third monthly payment to them went missing in the mail. I called and told them I would cancel the check and pay everything the next month. The person I spoke to told me they would cancel the late fee. Got the bill for the next month and the late fee was still on it. I then mailed the check for the full amount (including late fee) by certified mail. It's on the way (still haven't missed the due date) and I got a call today about not paying the late fee for last month (the one they were supposed to waive). I told them the check was on the way and, when it clears, I am cancelling the card. I spoke to four different people in the last week regarding this issue and the right hand has no idea what the left one is doing. I have multiple credit cards and have never missed or been late on a payment; not until Comenity, that is. Horrible company.
Comment
1
andy1choi
@andy1choi
1 Star Rating
Worst credit card company I've ever experienced. The reward was not given and called the customer service three times about a month ago, still no response. The credit card seized up the gas station system so they do not accept this credit card. Never recommended.
Comment
1
Lesa Howell
@lesahowell63
1 Star Rating
This card touts a 3% reward on travel expenditures. I booked a very expensive trip for next May with a travel company which I am paying $4100 a month for 6-7 months. After charging and paying off that amount for several months, I decided to check my reward balance, only to find to my surprise that I was only being given a 1% reward. I called the company and could not get a straight answer from anyone (spoke with 4 different people for over an hour). This is a "bait and switch" situation; I canceled my card. I will find a company which actually does pay 3% for travel related charges and use them from now on.
Comment
1
Suzie White
@suzieqspm
1 Star Rating
I received an unsolicited credit card from Comenity along with a notice that my current AAA Bank of America account had been transferred to them. Never any notice or reason for the switch. No opportunity to give an opinion or ask questions or opt out. The info they sent me did not even include their location. I feel my account was HIJACKED with help from AAA. Very poor management. I called Comenity for more info and was on hold for over one hour. More poor management. I applied to Bank of America for a new card not affiliated with AAA and it's on the way. No hijinks there.
Comment
1
twistedchefjay
@twistedchefjay
1 Star Rating
Buyer Beware with the Bank of America AAA Credit Card
I will gladly post my account and FICO scores if anyone needs to see - Perfect repayment record, never late, usually bring balance to zero, carry a low balance when I did.
Had a high balance for 2 month. Made a full payment and noticed my credit limit was zero.
I called customer service to find my card had been cancelled because I had a high balance for two months - I could not believe what I was hearing.
Not lowering credit limit, no phone call, no letter - nothing. Just cancelled card on a great customer with great credit. The rep said - you can apply for a new one.
No thank you.
Comment
1
annebeck1300
@annebeck1300
Yes. They are the worst. No one at the job liked them but me
Comment
1
Cliff P
@cliffncpin
1 Star Rating
this has got to be the worst customer service I've experienced with a credit card company. Three times I was given the wrong information. Opened the account 2 months ago cancelled today
Comment
1
Review AAA Travel Credit Card
AAA Travel Credit Card
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