AAA Travel Credit Card Reviews: Is It Worth It? (2023)Reviews, rates, fees, and rewards details for The AAA Travel Credit Card. Compare to other cards and apply online in secondsJohn KiernanWalletHub
Info about AAA Travel Credit Card has been collected by WalletHub to help consumers better compare cards. The financial institution did not provide the details.
Rewards%APR321Reviews47Q&AContact
RewardsAPRWalletHub ReviewQ&ACustomer Reviews
Accepted Credit Scores
Accepted Credit Scores
Excellent Credit, Good Credit
Annual Fee
$0
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.
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.... show more
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Online: Log in to your account or use the EasyPay feature to make a payment online.
By phone: Call (800)328-4850 to make a payment over the phone.
Via mail: To pay your credit card via mail, send a check or money order (but not cash) to:
Comenity Capital Bank PO Box 650967 Dallas, TX 75265-0967
If you choose to make a payment via mail, include your credit card number on your payment to avoid any processing delays. Also, keep in mind that mail payments take 5-7 business days to post, while online and phone payments are processed within 1-3 business days.
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.
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.
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.
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...
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...
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.
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...
You earn 3 points per $1 for all purchases made with the card through AAA and at eligible travel merchants. You can find the eligible travel merchants here: https://www.bankofamerica.com/credit-cards/credit-cards-terms-and-conditions.go?cid=2124554&po=J4&request_locale=en_US
Share your insights and review the AAA Travel Credit Card
5
15%
4
59%
3
12%
2
7%
1
6%
3.6
321 reviews
321 reviews
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fritzsummerrockwood @fritzsummerrockwood
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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.
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Peter Yancey @peteprint
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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.
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andy1choi @andy1choi
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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.
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Lesa Howell @lesahowell63
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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.
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Suzie White @suzieqspm
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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.
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twistedchefjay @twistedchefjay
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1 Star Rating
Verified Customer
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.
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annebeck1300 @annebeck1300
Yes. They are the worst. No one at the job liked them but me
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Cliff P @cliffncpin
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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
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edhball @edhball
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1 Star Rating
It’s fine for buying groceries and gas. But, read the fine print. I was in Turkey and emailed them to find out why the AAA Prepaid Card didn’t work. I received a sarcastic email saying I was I Turkey, a country the US supposedly doesn’t do business with. If you’re a traveler, don’t depend on AAA Debit Cards.
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gh_div @gh_div
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1 Star Rating
Signed up for the card mainly because of the $200 statement credit bonus. Met the spending requirement and waited for the 8-12 weeks to pass. No statement credit. Called Bank of America and they pretend that card does not have that bonus. I have saved the opening docs and the card is still offered online with that bonus (and I have never seen it without that bonus), but does not help. Bank of America are complete idiots and useless. They send me a letter to call them back to resolve the issue, but then can't look up the issue code and can't help again. I tell them I have saved the PDF and it clearly documents the bonus, but they don't want to and can not just receive an email. I tell them to just look up the application website, but they cannot type in a URL into a browser. I had two other credit cards with BofA and a checking account. On the second phone call I started my departure from BofA and cancelled one card. On the next call I will cancel the second one. I'm sure this will not resolve and I will cancel all cards and the checking account with BofA. It is OK, they are incompetent anyway. Never seen such a painful process for setting up autopay as with BofA. I do not recommend getting the card. I am forced to give at least 1 star, but would have chosen 0 otherwise.
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Kool Breez @KoolBreez
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1 Star Rating
Why doesn't the rating go lower than one star? Because that is what the AAA Bank Of America card is. They simply can't make it work. Every place it keeps getting declined because of some glitch or the other which Bank of America can't fix. Useless customer service.
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