AAA Daily Advantage Visa Signature® Credit Card

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The AAA Daily Advantage Visa Signature® Credit Card is a cash back rewards designed for…well, anyone, really. You do not have to be a member of AAA to apply for this card. It has a small welcome bonus and great ongoing rewards, although you are limited to $500 earned cash back on groceries, gas and wholesale clubs combined in a calendar year. Also, depending on your location, some of the rewards may be slightly different. We dive into the details and your approval odds in this AAA Daily Advantage review.

AAA Daily Advantage

Our Rating

4.2/5.0

Welcome Offer

$100

Annual Fee

$0

0% on Purchases

None

Reward Rate

1% to 5% cash back

0% on Balance Transfers

None

Welcome Offer

Get a $100 statement credit after you spend $1,000 in the first 90 days of account opening.

Features & Benefits

SecurityEMV Chip Enabled, Zero Liability, Identity theft protection
Contactless PaymentsTap to Pay, Apple Pay, Google Pay, Samsung Pay
Benefits24/7 customer service
Travel PerksConcierge Services, Emergency Travel Assistance, Roadside Assistance

Rewards

1% cash back
On all other eligible purchases
Earn 1% cash back on all other purchases
3% cash back
Drugstores
Earn 3% cash back on pharmacy purchases
3% cash back
Select Categories
Earn 3% cash back at wholesale clubs. Combined earn of 5% cash back on grocery store and 3% cash back on wholesale club & gas purchases on the first $10,000 spent in a calendar year, then 1% thereafter.
3% cash back
Select Categories
Earn 3% cash back on AAA purchases
3% cash back
Streaming services
Earn 3% cash back on select streaming services
3% cash back
Gas
Earn 3% cash back at gas stations and electric vehicle charging stations. Combined earn of 5% cash back on grocery store and 3% cash back on wholesale club & gas purchases on the first $10,000 spent in a calendar year, then 1% thereafter.
5% cash back
U.S. supermarkets
Earn 5% cash back on grocery store purchases. Combined earn of 5% cash back on grocery store and 3% cash back on wholesale club & gas purchases on the first $10,000 spent in a calendar year, then 1% thereafter.

Interest Rates & Fees

Annual Fee$0
Foreign Transaction FeeNone
Regular APR19.24% to 33.24% (V) APR

What Credit Score Is Required to Get the AAA Daily Advantage Visa Signature® Credit Card

The following credit score data are based on publicly available information we have collected from various forums. We have no way to confirm the accuracy of this data. In addition, keep in mind that credit card issuers use numerous factors in their underwriting process, and these factors can change at any time.

Lowest Approved Credit Score: 648

Average Approved Credit Score: 707

App StatusDateCredit ScoreBureauCredit Limit
Approved05/09/2023
698
Experian
$3,500
Approved05/09/2023
708
TransUnion
$3,500
Approved05/09/2023
710
Equifax
$3,500
Approved05/11/2023
651
Equifax
$2,900
Approved01/23/2023
648
TransUnion
$1,000
Approved01/23/2023
654
Experian
$1,000
Approved01/31/2024
761
Equifax
$5,000
Approved01/31/2024
766
TransUnion
$5,000
Approved01/31/2024
767
Experian
$5,000
Denied01/10/2024
768
Not Provided
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Pros & Cons

Pros
  • Welcome offer
  • No annual fee
  • No foreign transaction fee
  • Up to 5% cash back
Cons
  • High APR
  • Requires good credit

What Are the Best Alternatives?

PenFed Platinum Rewards Visa Signature® Card
PenFed Platinum Rewards Visa Signature® Card

Rating

4.5

Rewards Range

1x to 5x points

Annual Fee

No Annual Fee

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Costco Anywhere Visa<sup>®</sup> Card by Citi
Costco Anywhere Visa® Card by Citi

Rating

4.4

Rewards Range

1%-4%

Annual Fee

$0

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Blue Cash Preferred® Card from American Express
Blue Cash Preferred® Card from American Express

Rating

4.5

Rewards Range

1%-6%

Annual Fee

$0 intro annual fee for the first year, then $95.

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