Comenity · Visa Signature · Personal
AAA Daily Advantage
A no-annual-fee card earning AAA Points: 5× on Groceries, 1× on everything else.
- Annual fee
- $0No annual fee
- Signup bonus
- $100Spend $1,000
- Top rate
- 5×Groceries
- Point value
- 1¢ In travel · 1¢ as cash (our estimate)*
Year one and year two
Is it worth it for you?
Tick the credits you’d really use and enter what you spend. The ledger adds up the bonus, your points and the credits, less the fee.
| Line | Year one | Year two |
|---|---|---|
| Signup bonus cash · spend $1,000 within the first 90 days of opening | $100 | – |
| Points on your spend Enter your spending | $0 | $0 |
| Credits you’d use No statement credits listed | $0 | $0 |
| Annual fee No annual fee | $0 | $0 |
| NetYear one includes the bonus · at your inputs · our estimates* | $100 | $0 |
The bonus needs $1,000 within the first 90 days of opening.
Earning structure
8 categories, 3 rates
| Icon | Category | Points per $1 | Worth per $100 (our estimate)* |
|---|---|---|---|
Groceries Cap $10,000 / 12 mo, sharedNotesCombined earn of 5% cash back on grocery store and 3% cash back on wholesale club & gas/EV purchases on the first $10,000 spent in a calendar year, then 1% thereafter. Redeem cash back as statement credits, direct deposit, rewards, or qualifying AAA purchases. As of May 15, 2026 this is now limited ONLY to: - Supermarkets and dedicated grocery stores No longer earn rewards at: - Discount stores - Superstores (Walmart, Target, etc.) - Convenience stores | 5× | $5.00 | |
Drug Stores NotesPharmacy purchases only. | 3× | $3.00 | |
EV Charging Cap $10,000 / 12 mo, sharedNotesCombined earn of 5% cash back on grocery store and 3% cash back on wholesale club & gas/EV purchases on the first $10,000 spent in a calendar year, then 1% thereafter. Redeem cash back as statement credits, direct deposit, rewards, or qualifying AAA purchases. | 3× | $3.00 | |
Gas Stations Cap $10,000 / 12 mo, sharedNotesCombined earn of 5% cash back on grocery store and 3% cash back on wholesale club & gas/EV purchases on the first $10,000 spent in a calendar year, then 1% thereafter. As of May 15, 2026 this is now limited to: - Traditional standalone gas stations - Wholesale clubs (Costco, Sam's Club, BJ's, etc.) No longer earn rewards at gas pumps inside: - Supermarkets (e.g., Kroger, Publix, H-E-B fuel centers) - Superstores (Walmart, Target, etc.) | 3× | $3.00 | |
Specified Store(s) Cap $10,000 / 12 mo, sharedNotesOn Purchases at AAA | 3× | $3.00 | |
| Streaming Services | 3× | $3.00 | |
Wholesale Clubs Cap $10,000 / 12 mo, sharedNotesCombined earn of 5% cash back on grocery store and 3% cash back on wholesale club & gas/EV purchases on the first $10,000 spent in a calendar year, then 1% thereafter. Redeem cash back as statement credits, direct deposit, rewards, or qualifying AAA purchases. | 3× | $3.00 | |
| All Other | 1× | $1.00 |
The rest of the card
Details, rules and benefits
Card details
- Annual fee
- None
- Card type
- Personal
- Network
- Visa Signature
- Bank
- Comenity
- Point system
- AAA Points
- Travel value (our estimate)*
- 1¢ per point
- Cash value (our estimate)*
- 1¢ per point
- Foreign transaction fee
- None
- Transfer partners
- No
- Travel portal redemption
- No
- Cash to travel
- No
Application rules2
- No 5/24
Card approval not subject to 5-personal-cards-in-24-months rule
- 1 Advantage
Bread Financial doesn’t allow consumers to have both the Daily Advantage and Travel Advantage cards.
Benefits3 · 0 high value
- Car Rental Insurance Auto Rental Collision Damage Waiver
- Instant Perks & Status Visa Signature Concierge
- Travel Protections Travel and Emergency Assistance Services
Benefit details, terms, and availability may vary. Please refer to the card’s terms and conditions for complete information.
Alternatives
Head to head with similar cards
 AAA Daily Advantage |  AAA Travel Advantage |  Bread Rewards |  Ally Everyday Cash Back | |
|---|---|---|---|---|
| Annual fee | $0 | $0Same | $0Same | $0Same |
| Signup bonus | $100 | $100 | None | None |
| Top rate | 5×Groceries | 5×EV Charging, Gas Stations | 3×4 categories | 3×3 categories |
| Travel value * | 1¢AAA Points | 1¢AAA Points | –Cash back | –Cash back |
| Why it’s here | This card | Same issuer and the same AAA Points | Also no annual fee | Also no annual fee |
Video and discussion
Nothing plays until you press play.
* Point valuations are RICH with POINTS™ editorial estimates, averaged from published valuations by The Points Guy, Upgraded Points, and Frequent Miler. They are not issuer figures and do not represent guaranteed redemption value.
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