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AAA Cash Rewards MasterCard® Credit Card Review: Is It Right for You?
What Is the AAA Cash Rewards MasterCard Credit Card?
The AAA Cash Rewards MasterCard Credit Card is a cash back credit card designed for AAA members who want to earn rewards on their everyday purchases. Issued by Comenity Capital Bank, this card offers a tiered rewards structure that emphasizes cash back on AAA purchases, gas stations, grocery stores, and drugstores. While it's not as widely known as some other cash back cards, it can be a valuable addition to your wallet, especially if you're already a AAA member.
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AAA Cash Rewards MasterCard Credit Card Pros & Cons
Pros:
- 5% cash back on gas purchases
- 3% cash back on travel, restaurants, grocery store, and purchases at AAA
- no annual fee and no foreign transaction fees
- redeem cash back as a statement credit or direct deposit
- AAA membership not required to apply
Cons:
- Lower rewards rate compared to some competitors for non-AAA purchases
- No sign-up bonus
- Potentially high APR for some applicants
- Limited travel perks compared to AAA Visa Signature cards
Who Is the AAA Cash Rewards MasterCard Credit Card For?
The AAA Cash Rewards MasterCard Credit Card is ideal for:
- AAA members: If you frequently make AAA purchases, you'll benefit from the 3% cash back rate.
- Commuters: The 2% cash back at gas stations can add up for those who drive regularly.
- Grocery shoppers: Earn 2% cash back on grocery store purchases, making it a solid choice for families.
- Those who prefer simplicity: With no annual fee and straightforward rewards, it's a good option for those who want an uncomplicated cash back card.
However, it may not be the best fit for:
- Heavy travelers: While it offers some travel benefits, it doesn't match the perks of dedicated travel cards like the AAA Travel Advantage Visa Signature.
- Big spenders in other categories: If your highest spending isn't in AAA purchases, gas, groceries, or drugstores, you might find better value elsewhere.
Comparing AAA Cash Rewards MasterCard Credit Card with Other Credit Cards
When considering the AAA Cash Rewards MasterCard Credit Card, it's helpful to compare it with other popular options in the cash back credit card category:
- Annual fee: $0
- Sign-up bonus: Cash bonus after meeting spending requirements
- Key rewards: 5% on travel purchased through Chase, 3% on dining and drugstores, 1.5% on all other purchases
- Standout feature: Flexible redemption options including cash back, travel, and gift cards
Capital One Savor Cash Rewards Credit Card (rates & fees):
- Annual fee: $0
- Sign-up bonus: Cash bonus after meeting spending requirements
- Key rewards: 3% on dining, entertainment, popular streaming services, and grocery stores
- Standout feature: No foreign transaction fees
Blue Cash Everyday® Card from American Express (rates & fees):
- Annual fee: $0
- Welcome offer: Cash bonus after meeting spending requirements
- Key rewards: 3% at U.S. supermarkets (up to $6,000 per year), 2% at U.S. gas stations and select U.S. department stores. Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit or at Amazon.com checkout
- Standout feature: This card offers a generous intro of APR on purchases and balance transfers
Each card offers unique benefits tailored to different spending habits and preferences. Consider your personal financial goals when choosing the best card for you.
Key Takeaways:
- AAA Cash Rewards MasterCard Credit Card can be a valuable addition to your wallet, especially if you're already a AAA member
- Chase Freedom Unlimited® offers diverse category bonuses
- Capital One Savor Cash Rewards Credit Card rewards dining and entertainment spending
- Blue Cash Everyday® Card from American Express provides strong rewards on everyday purchases
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Consider Using Kudos
While the AAA Cash Rewards MasterCard Credit Card offers solid rewards in specific categories, savvy shoppers might want to consider using Kudos, a free AI-powered browser extension, to maximize their credit card rewards across all their spending.
Kudos works with over 15,000 stores and automatically suggests the best credit card to use for each purchase, ensuring you earn the most rewards, points, or cash back based on your spending patterns. This can be particularly useful if you have multiple credit cards, as it takes the guesswork out of which card to use for each purchase.
Moreover, Kudos offers exclusive "Flash Boost" events where you can multiply your rewards up to 5X, potentially outpacing the rewards rate of the AAA Cash Rewards MasterCard® in many scenarios. It's a powerful tool that can complement your existing credit cards and shopping strategy.
Our Expert Takeaway
The AAA Cash Rewards MasterCard Credit Card is a solid choice for AAA members who frequently make AAA purchases and spend significantly on gas and groceries. Its no-annual-fee structure and straightforward rewards program make it an attractive option for those who prefer simplicity in their credit card rewards.
However, for those looking to maximize their rewards across all spending categories, consider pairing this card with a tool like Kudos. By using Kudos alongside your AAA Cash Rewards MasterCard® and other credit cards, you can ensure you're always using the best card for each purchase, potentially earning even more rewards than you would with a single card strategy.
If you're looking to get more out of your credit cards, Kudos is the best free shopping app to use when you shop online. And, they're currently offering $20 back after your first eligible purchase — just sign-up for free with code "GET20" and make a purchase at a Boost merchant.
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AAA Cash Rewards MasterCard® Credit Card FAQ
Is AAA membership required to apply for this card?
No, AAA membership is not required to apply for the AAA Cash Rewards MasterCard® Credit Card. However, AAA members will benefit more from the 3% cash back on AAA purchases.
How can I redeem my cash back rewards?
Cash back can be redeemed as a statement credit or direct deposit into a bank account. Some cardholders may also have the option to redeem for merchandise or travel through the rewards portal.
Is there a minimum redemption amount?
The minimum redemption amount may vary. Check the current rewards terms for the most up-to-date information.
Does this card offer any travel insurance?
While the card offers some basic travel benefits, it doesn't provide as comprehensive travel insurance as some other AAA credit cards, like the AAA Travel Advantage Visa Signature.
Can I use this card internationally?
Yes, as a MasterCard, it's widely accepted internationally. However, be aware of potential foreign transaction fees.
How does this card compare to the AAA Visa Signature cards?
The AAA Visa Signature cards typically offer more travel-focused benefits and may have different rewards structures. Compare the specific offerings to see which best fits your spending habits and needs.
Remember, while the AAA Cash Rewards MasterCard® Credit Card can be a valuable tool in your wallet, using a service like Kudos can help ensure you're maximizing your rewards across all your credit cards and purchases. Always consider your personal financial situation and spending habits when choosing a credit card.
Supercharge Your Credit Cards
Experience smarter spending with Kudos and unlock more from your credit cards. Earn $20.00 when you sign up for Kudos with "GET20" and make an eligible Kudos Boost purchase.
Editorial Disclosure: Opinions expressed here are those of Kudos alone, not those of any bank, credit card issuer, hotel, airline, or other entity. This content has not been reviewed, approved or otherwise endorsed by any of the entities included within the post.
