The
AAA Travel Credit Card is a good option for AAA members whose top expenses include gas/EV charging, groceries, dining out, travel, and AAA purchases. The card is worthwhile thanks to the bonus rewards it provides in those spending categories as well as its
$0 annual fee. You can get a decent initial bonus, too.
You need
good credit or better to qualify for the
AAA Travel Credit Card, so we recommend considering it only if you have a credit score of
700 or higher. You can
check your credit score for free right here on WalletHub to get a sense of your chances.
You also need to pay your bill in full each month if you get approved. Carrying a balance from month to month would cost you a pretty penny thanks to the card’s high interest rate.
5 Key Things to Know About the AAA Travel Credit Card
Great way to save on gas, dining, AAA & travel
The AAA Travel Credit Card gives you
5% spent on purchases made at gas stations and electric-vehicle charging stations. You can earn up to $350 per year at this rewards rate, as it applies to your first $7,000 in qualifying purchases each year. You will also earn a very solid 3% cash back on groceries, dining at restaurants, travel and AAA purchases.
However, 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.
$100 bonus there 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, butit’s also worth noting that 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
$26.75 per year cheaper than the average credit card offer, according to WalletHub’s latest
Credit Card Landscape Report. That’s a good thing, though it isn’t 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 higher than average, which is really saying something. The average credit cards for people with excellent and good credit charge
17.68% and
23.93%, respectively. So you should pay the bill in full monthly and take your financing needs elsewhere.
You need 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 here on WalletHub.
If you’re interested in checking out some alternatives, you can
compare the AAA Travel Credit Card to the AAA Rewards Credit Card and browse our
editors’ picks for the best credit cards overall.
Note: This review is not provided, commissioned or endorsed by any issuer. Opinions and ratings are our own.
