AAA Rewards Credit Card Reviews for 2026Reviews, rates, fees, and rewards details for The AAA Rewards Credit Card. Compare to other cards and apply online in secondsJohn KiernanWalletHubNo membership feesHigh rewards rate$100 initial rewards bonusNo foreign feeSpending caps on rewardsNo intro APR on purchasesNo intro APR on balance transfersRequires good/excellent credit
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.
AAA Rewards Credit Card has a rating of 4.1/5 according to our proprietary credit card rating system. This rating reflects how appealing AAA Rewards 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 Rewards'. To break it down further, AAA Rewards Credit Card earned a score of 5.0/5 for Fees, 4.0/5 for Rewards, 4.3/5 for Cost, and 3.5/5 for User Reviews. Info about the AAA Rewards 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
3.5/5
137 reviewsRead and write reviews
Market Comparison
Market Comparison
4.2
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 Rewards” for this card.
Fees
5.0
Rewards
4.0
Cost
4.3
Other Features
0.0
4.2/5
Compared against 1,500+ credit cards
KEY TERMS
Credit Score
Credit Score
Excellent Credit, Good Credit
Annual Fee
$0
APR on Purchases
17.74% - 31.74% (V)
Balance Transfer
APR: 17.74% - 31.74% (V)
Balance Transfer Fee:5% (min $10)
Rewards
Get a $100 statement credit when you spend $1,000 within the first 90 days of account opening.
Earn 5% cash back on grocery store purchases up to $500 earned per year, and 1% cash back thereafter.
Earn 3% cash back on gas & electric vehicle-charging stations, wholesale clubs, streaming services, pharmacy, and AAA purchases.
Earn 1% cash back on all other purchases.
Earn 3% cash back on every AAA Tickets experience.
Earn an additional 1% cash back on Hertz rentals. Offer limited to Hertz purchases made at AAA or directly through Hertz.
AAA Rewards Credit Card's Additional Info
Emergency Card Replacement & Cash Disbursement, 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.
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.
User Reviews
3.5
Market Comparison
4.2
fees: 5.0
rewards: 4.0
cost: 4.3
Other Features: 0.0
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 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
4.2
fees: 2.9
rewards: 3.9
cost: 4.8
Other Features: 5.0
4.5WalletHub Rating
WalletHub Rating
4.5
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.
Can't find what you are looking for? Submit your question about AAA Rewards 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.
To redeem AAA Rewards Credit Card rewards, log in to the Comenity Account Center portal and select a redemption option. AAA Rewards Credit Card also allows you to redeem rewards by calling the phone number on the back of your card or by using the Comenity Bank mobile app.
How to Redeem Credit Card Rewards Online
Log in to your AAA Rewards Credit Card account from the Comenity Bank website.
Go to the Account Center portal.
Find the list of redemption options for your credit card.
Determine which redemption options give the most value for your cash back.
Redeem your AAA Rewards Credit Card rewards.
Standard redemption options include statement credits and gift cards, and the availability of other choices depends on which card you have. The various redemption options may also be worth different amounts, so make sure you do your research so that you can maximize the value you get when you redeem your AAA Rewards Credit Card rewards.
The only way to apply for the AAA Rewards Credit Card is online, and you can get to the online application by going directly to Comenity Bank's website.
Keep in mind that the AAA Rewards 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....
Yes, the AAA Rewards Credit Card does a hard inquiry on your credit report when you apply. A hard inquiry usually results in a slight decrease in an applicant's credit score, but the effect only lasts for a short period of time. The hard inquiry allows Comenity to determine your credit risk and ultimately decide whether you'll be approved for an account.
The AAA Rewards Credit Card requires good credit to be approved. You can check your credit score by signing...
The AAA Rewards Credit Card credit score requirement is 700 or better. That means people with good credit or better have a shot at getting approved for the AAA Rewards Credit Card.
Note that while your credit score is very important, plenty of other things will impact your chances of being approved for the AAA Rewards Credit Card. Some other key criteria include your income, existing debt load, recent credit inquiries, number of open accounts, housing status, and employment status.
To redeem the rewards for your AAA Rewards Credit Card, you can log in to your online account or you can call customer service at (800) 305-1219. It's also possible to redeem your cash rewards in person at your local AAA club, as long as they're participating in the rewards program.
How to Redeem Rewards for Your AAA Rewards Credit Card Online
Share your insights and review for the AAA Rewards Credit Card
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4%
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77%
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13%
3.5
137 reviews
137 reviews
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Efren Ancheta @nareva
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1 Star Rating
Worst credit card that I ever had in my life. They are a bunch of scammers and intend to make a big profit out of you. I cancelled my credit card today, so do not apply for this credit card through AAA Auto Club from Comenity Bank Bread Financial if you do not want to go broke! They will always look for different ways to make money from you.
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Melissa Leahy @melissaleahy69
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1 Star Rating
Verified Customer
This company must face the fraud claims against them as soon as possible. They are trying their best to send fees for any possible reason. Trying to avoid using their product, their customer services are the worst. Not only is this particular credit card service bad, but their car insurance is too. Sooner or later, they will go bankrupt for what they have done.
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Su Hladik @MamaSue
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1 Star Rating
Worst credit card I have ever had! Password never worked, and I couldn't access my account online. Customer service was both rude and worthless. Terrible experience. Canceled card.
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Jenna Heeder @jennaheeder
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1 Star Rating
Verified Customer
Awful customer service. The card constantly declines and suspects fraud on nearly every transaction. It's too much of a hassle and their customer service is an absolute joke.
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0
AAAcard sucks @aaacardistrash
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1 Star Rating
Worst credit card company of all time. It is the only one that is stingy about late fees after their website fails to process automatic payments properly.
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M ike Sim @marquiss1
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1 Star Rating
Verified Customer
This company has the worst customer service! I have the AAA card and the Bread Cash Back AMEX. Both cards have zero balances; in fact, my AMEX has a 16-dollar credit due to a refund. Their first strike was when they reduced my credit limit from 7k to $750! What? The worst part is, no one from their "customer service" was able to explain to me why this took place. They sent a letter to me in the app explaining why my credit was slashed, but anytime I tried to open the attachment, an error popped up saying they're having technical issues, so I could not see what their reasoning was, and of course, their IT department was unable to help me or send me a hard copy. I emailed their CEO about this to have someone personally look into it, but to date, I got no response. I have a 100% payment history, over 100k in available credit, and zero balances on all cards. So, it looks like I'm taking that one on the chin... fine.
Their second strike was when I called about redeeming my cashback on my AAA and Bread Cash Back cards. I requested a direct deposit since both accounts have zero balances, and I don't use them much to take advantage of statement credits. The customer service representative "processed" the claim on 1/17/25 and told me it takes 7-10 business days to hit my bank account. I've called multiple times over the past few weeks and was told the rewards are coming. On day 12, 2/3/25, I called, and the customer service representative stated that it now takes over 30 days! I lost it. I demanded to speak with a supervisor. The supervisor got on and was apologetic; she told me that although I had been calling the last few weeks to check on the status, she saw that the claim was not processed correctly. So, as many times as I called, no one saw that it wasn't processed correctly. To cut a long story short, she had to resubmit the claim and promised me that it would be completed in 4-7 business days. Once I receive my direct deposit, I'm closing both accounts. It should not be this difficult to redeem cash back from a credit card company. I know if I close it with my cashback still pending, they will probably say that I forfeited my rewards. Terrible company, stay far away.
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Joe Wisinski @joew_46
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1 Star Rating
This is a terrible credit card. It requires a minimum of $25 to receive cash back. Also, I signed up to earn $15 in cash back by paying two cell phone bills with the card. That was in April, so I've paid for May, June, July, and August, but haven't received the cash back. Their website is terrible, too. It demands that I enter a challenge question every time, even though I'm using the same browser and I tell it to remember me. Also, every time I log in, the site wants me to connect my card to PayPal. I don't want to do that and don't have the option to skip that screen forever. Stay away from this credit card.
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Sara McCabe @swmccabe
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1 Star Rating
The card has an unsatisfactory rewards system, and its customer service is unable to answer simple questions about the "cash back" card. I was promised a 4% reward return on AAA-related purchases for the first six months I used the card, but the telephone VISA AAA customer service representative knew nothing about this AAA-published 4% offer and denied that it existed.
I was also misinformed by AAA staff about what the 4% reward category included. The categories themselves are so vague that, for example, the 3% category does not include in the 4% reward category what it calls "dining-in" eating at fast food restaurants or establishments that categorize themselves as lounges, taverns, or bars, even though the one I dined at and spent a lot of money on was primarily a restaurant. There are other examples of these vague categories that reduce the "cash back" offer. How the cash is accrued is not at all transparent.
I still have to resolve why I was not awarded the 4% for the five hotel reservations made at the AAA office with the assistance of the travel adviser. I am very disappointed and will address my complaints to both VISA and AAA when I return home.
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Jim Limberakis @clambaron
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1 Star Rating
My wife and I have had nothing but trouble since Comenity took over AAA's credit cards. It’s the worst credit card I have ever used. We have never been late paying our bill. Multiple times, I have gone to purchase items and had the card declined. Yesterday, I went to use the card to purchase a birthday gift for my wife. It was declined twice. That was it for me. I cut the card up. I told my wife we are canceling this card immediately. I will tell my friends, don’t bother with this card. AAA made a big mistake going with this company.
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bill wafty @basscasejj
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1 Star Rating
Ever since they sold to Comenity Bank, it's been the worst experience I've ever had. I'm never using the card again. I've been a member for about 35 years, and they are the worst. I will never, ever use this card, and I will tell everybody I know not to use it.
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