AAA Travel Advantage Visa Signature® Credit Card
VisaIssued by Comenity Capital Bank
Earn 5% cash back on gas and EV charging (up to $7k/year), 3% on travel, dining, groceries, and AAA purchases, and 1% on everything else.
ANNUAL FEE
$0
No annual fee for this card.
PURCHASE APR
18.24% – 32.24%
Rate based on creditworthiness and prime rate.
SIGN-UP BONUS
100
Earn a $100 statement credit when you spend $1,000 within the first 90 days of account opening.
TOP CASH BACK
5% cash back
Earn 5% cash back on gas and electric vehicle charging purchases (up to $7,000 max spend per calendar year, then 1%).
Key Benefits
- Earn 5% cash back on gas and EV charging (up to $7,000 spent per calendar year)
- Earn 3% cash back on travel, restaurants, grocery stores, and AAA purchases
- No annual fee and no foreign transaction fees
- Does not require a AAA membership to apply or earn rewards
- Visa Signature benefits including Travel and Emergency Assistance Services
Important Limitations
- Spending well over $7,000 a year on gas (the rewards rate drops to 1% after the cap)
- Earning transferable travel points or miles (this is a cash back card)
Rewards Structure
Gas & EV Charging
5% cash backAnnual limits
First $7,000.00/year
(then drops to 0.01)
Details
Earn 5% cash back on gas and electric vehicle charging purchases (up to $7,000 max spend per calendar year, then 1%).
Travel Purchases
3% cash backAnnual limits
Unlimited (no annual cap)
Details
Earn 3% cash back on travel purchases.
Restaurants
3% cash backAnnual limits
Unlimited (no annual cap)
Details
Earn 3% cash back on restaurant and dining purchases.
Grocery Stores
3% cash backAnnual limits
Unlimited (no annual cap)
Details
Earn 3% cash back on grocery store purchases.
AAA Purchases
3% cash backAnnual limits
Unlimited (no annual cap)
Details
Earn 3% cash back on AAA purchases.
All
1% cash backAnnual limits
Unlimited (no annual cap)
Details
Earn 1% cash back on all other net eligible purchases.
| Purchase Category | Rate | Annual Limits | Details |
|---|---|---|---|
| Gas & EV Charging | 5% cash back | First $7,000.00/year (then drops to 0.01) | Earn 5% cash back on gas and electric vehicle charging purchases (up to $7,000 max spend per calendar year, then 1%). |
| Travel Purchases | 3% cash back | Unlimited (no annual cap) | Earn 3% cash back on travel purchases. |
| Restaurants | 3% cash back | Unlimited (no annual cap) | Earn 3% cash back on restaurant and dining purchases. |
| Grocery Stores | 3% cash back | Unlimited (no annual cap) | Earn 3% cash back on grocery store purchases. |
| AAA Purchases | 3% cash back | Unlimited (no annual cap) | Earn 3% cash back on AAA purchases. |
| All | 1% cash back | Unlimited (no annual cap) | Earn 1% cash back on all other net eligible purchases. |
Fees & APR
ANNUAL FEE
$0
REGULAR PURCHASE APR
18.24% – 32.24%
CASH ADVANCE APR
33.24% – 33.24%
FOREIGN TRANSACTION FEE
0%
LATE PAYMENT FEE
$41
BALANCE TRANSFER FEE
$10 OR 5%
CASH ADVANCE FEE
$10 OR 5%
Card Protection & Benefits
Travel and Emergency Assistance Services
- ✓Access to a multilingual call center 24 hours a day, 365 days a year to help get the assistance you need when traveling or working anywhere in the world.
Visa Signature Concierge
- ✓24/7 assistance with travel bookings, restaurant reservations, and event tickets.
Security Features
- ✓Visa Zero Liability – Protection against unauthorized transactions made with your card.
Best Use Cases
IDEAL FOR
- Heavy commuters and road trippers looking to maximize gas and EV charging rewards
- International travelers wanting a no foreign transaction fee card
- People seeking cash back on dining, groceries, and travel with no annual fee
- AAA members paying for club services and insurance
NOT RECOMMENDED FOR
- Spending well over $7,000 a year on gas (the rewards rate drops to 1% after the cap)
- Earning transferable travel points or miles (this is a cash back card)
Maximize Your Rewards Strategy
Months 1–3: Hit the Bonus
- Spend $1,000.00 to unlock $100.00 bonus
- Effective 10% return on first $1,000.00
- Time large purchases strategically
- Track progress toward spending goal
- Don't overspend just for the bonus
Earn More Cash Back
- 5% cash back on Gas & EV Charging
- 3% cash back on Travel Purchases
- 3% cash back on Restaurants
- Set up autopay to avoid late fees
- Review partner programs for bonus opportunities
Ongoing: Optimize Categories
- Prioritize highest-rate qualifying expenses first
- Monitor any annual spending thresholds
- Redeem cash back at minimum thresholds
- Set up autopay to avoid late fees
- Review new offers each year
Customer Support:
1-855-546-9552
Terms subject to change · View full terms
Last updated: Mar 13, 2026
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