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AAA Member Rewards Credit Card Review: Is It Worth It?
What Is the AAA Member Rewards Credit Card?
The AAA Member Rewards Credit Card is a Visa Signature card designed specifically for AAA members. It offers a rewards program tailored to common AAA member expenses, including travel, gas, and AAA purchases. This card is issued by Bank of America and provides various benefits beyond its reward structure.
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AAA Member Rewards Credit Card Pros & Cons
Pros:
- No annual fee
- Triple points on eligible AAA and travel purchases
- Double points on gas, grocery store, and drugstore purchases
- 1 point per dollar on all other purchases
- No foreign transaction fees
- Visa Signature benefits
Cons:
- Requires AAA membership
- Limited redemption options compared to some competitors
Who Is the AAA Member Rewards Credit Card For?
The AAA Member Rewards Credit Card is best suited for:
- Frequent travelers: With triple points on travel purchases, this card can be valuable for those who often hit the road or take to the skies.
- AAA members: If you're already paying for AAA membership, this card allows you to maximize your benefits and earn rewards on AAA purchases.
- Drivers: Double points on gas station purchases make this card attractive for those who spend a significant amount on fuel.
- Grocery shoppers: The double points at grocery stores can add up quickly for families or individuals who spend heavily in this category.
- Those who prefer no annual fee: If you're looking to maximize rewards without paying an annual fee, this card could be a good fit.
Comparing the AAA Member Rewards Credit Card With Other Credit Cards
When considering the AAA Member Rewards Credit Card, it's helpful to compare it with other popular options in the credit builder card category:
Chime Credit Builder Secured Visa® Credit Card:
- Annual fee: $0
- Security deposit: Flexible, based on the amount transferred to Credit Builder account
- Key features: No credit check to apply, reports to all three major credit bureaus
- Standout feature: No minimum security deposit required
Capital One Quicksilver Secured Cash Rewards Credit Card (rate & fees):
- Annual fee: $0
- Security deposit: Minimum $200, which becomes your credit limit
- Key features: 1.5% cash back on all purchases, automatic credit line reviews
- Standout feature: Earn rewards while building credit
Current Build Visa® Credit Card:
- Annual fee: $0
- Security deposit: Flexible, based on the amount transferred to Build account
- Key features: No credit check required, reports to all three major credit bureaus
- Standout feature: Linked to Current banking app for easy fund 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 Member Rewards Credit Card excels in offering a rewards program tailored to common AAA member expenses
- Chime Credit Builder offers flexibility with no minimum deposit
- Capital One Quicksilver Secured provides cash back rewards
- Current Build integrates with banking app for convenient use
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Consider Using Kudos
While the AAA Member Rewards Credit Card offers solid benefits for certain spending categories, savvy consumers might want to consider using Kudos, a free AI-powered browser extension, to maximize their credit card rewards even further.
Kudos works with over 15,000 stores and automatically suggests the best credit card to use for each purchase, ensuring you always earn the most rewards, points, or cash back. This can be particularly useful if you have multiple credit cards, as it takes the guesswork out of which card to use for each transaction.
Moreover, Kudos offers exclusive "Flash Boost" events where you can multiply your rewards up to 5X, potentially outperforming the AAA card's reward rates in certain situations. It's a powerful tool that can complement your existing credit card strategy, including the AAA Member Rewards Credit Card.
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.
Our Expert Takeaway
The AAA Member Rewards Credit Card offers a solid rewards structure for AAA members who frequently travel, drive, and shop for groceries. Its no-annual-fee structure makes it an attractive option for those looking to maximize rewards without additional costs.
However, the card's true value depends heavily on your spending habits and how much you utilize AAA services. For some, the rewards earned may not outweigh the cost of AAA membership if that's the only reason you're maintaining it.
For those who already have an AAA membership and align well with the bonus categories, this card can provide good value. But if you're a heavy spender or frequent traveler, you might find more value in a premium travel card with more robust benefits and flexible redemption options.
Remember, the key to maximizing credit card rewards is using the right card for the right purchase. Consider using a tool like Kudos to ensure you're always using the optimal card for each transaction, potentially boosting your overall rewards earnings.
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AAA Member Rewards Credit Card FAQ
Is there an annual fee for the AAA Member Rewards Credit Card?
No, there is no annual fee for this credit card. However, you must maintain a AAA membership, which does have an annual cost.
How do I earn rewards with this card?
You earn 3 points per dollar on eligible AAA and travel purchases, 2 points per dollar at gas stations, grocery stores, and drugstores, and 1 point per dollar on all other purchases.
Can I use this card for AAA purchases?
Yes, you can use this card for AAA purchases, and you'll earn 3 points per dollar on these transactions.
Are there any foreign transaction fees?
No, this card does not charge foreign transaction fees, making it a good option for international travel.
How can I redeem my rewards?
Rewards can be redeemed for cash back, travel credits, gift cards, or merchandise through the Bank of America rewards portal.
Is there a sign-up bonus?
Sign-up bonuses may vary. Check the current offer when applying for the most up-to-date information.
Do I need to be a AAA member to apply for this card?
Yes, you must be a AAA member to be eligible for this credit card.
Remember, while this card offers good benefits for AAA members, it's always wise to compare multiple options and consider using tools like Kudos to maximize your overall credit card rewards strategy.
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.
