AAA Rewards Credit Card Reviews for 2024Reviews, rates, fees, and rewards details for The AAA Rewards Credit Card. Compare to other cards and apply online in secondsJohn KiernanWalletHub
This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Earn Rewards." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs.
AAA Rewards Credit Card has a rating of 4.1/5 according to our proprietary credit card rating system. This rating reflects how appealing AAA Rewards Credit Card's terms are compared to a pool of more than 1,500 credit card offers tracked by WalletHub. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is 'Earn Rewards'. To break it down further, AAA Rewards Credit Card earned a score of 5.0/5 for Fees, 4.0/5 for Rewards, 4.3/5 for Cost, and 3.7/5 for User Reviews. Info about the AAA Rewards Credit Card has been collected by WalletHub to help consumers better compare cards. The financial institution did not provide the details.
WalletHub Rating Breakdown
User Reviews
3.7/5
127 reviewsRead and write reviews
Market Comparison
Market Comparison
4.2
The Market Comparison is a key component of the WalletHub Rating, as it measures how appealing the terms of a card are compared to a pool of over 1,500 credit card offers monitored by WalletHub. To ensure cards are evaluated for their most relevant purpose, we score each card across various cardholder needs and select the rating for the need with the highest score, which is “Earn Rewards” for this card.
Fees
5.0
Rewards
4.0
Cost
4.3
Other Features
0.0
4.2/5
Compared against 1,500+ credit cards
KEY TERMS
Accepted Credit Scores
Accepted Credit Scores
Excellent Credit, Good Credit
Annual Fee
$0
APR on Purchases
19.24% - 33.24% (V)
Balance Transfer
APR: 26.99%
Balance Transfer Fee:5% (min $10)
Rewards
$100 statement credit when you spend $1,000 within the first 90 days of account opening.
5% cash back on grocery store purchases.
3% cash back on gas & electric vehicle-charging stations, wholesale clubs, streaming services, pharmacy, and AAA purchases.
1% cash back on all other purchases.
5% Incremental redemption bonus on AAA purchases with AAA Northeast Counselors and Advisors.
AAA Rewards Credit Card's Additional Info
Emergency Card Replacement & Cash Disbursement, Zero Liability, Travel & Emergency Assistance Services and Concierge Services.
This card is open to new applications in limited locations.
AAA Northeast serves members in CT, MA, NH, NJ, NY & RI.
This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Earn Rewards." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs.
User Reviews
3.7
Market Comparison
4.2
fees: 5.0
rewards: 4.0
cost: 4.3
Other Features: 0.0
4.6WalletHub Rating
WalletHub Rating
4.6
This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Earn Rewards." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs.
Editor’s Rating
5.0
User Reviews
3.9
Market Comparison
4.6
fees: 2.9
rewards: 4.8
cost: 5.0
Other Features: 5.0
4.5WalletHub Rating
WalletHub Rating
4.5
This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Earn Rewards." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs.
Can't find what you are looking for? Submit your question about AAA Rewards Credit Card to our community. Editorial and user-generated content is not provided, reviewed or endorsed by the issuer of this offer. Please keep in mind that it is not a financial institution’s responsibility to ensure all posts and questions are answered. In addition, WalletHub independently collected information for some of the cards on this page.
To redeem the rewards for your AAA Rewards Credit Card, you can log in to your online account or you can call customer service at (800) 305-1219. It's also possible to redeem your cash rewards in person at your local AAA club, as long as they're participating in the rewards program.
How to Redeem Rewards for Your AAA Rewards Credit Card Online
Access the rewards catalog through the “Account Center.”
Choose the preferred redemption option and follow the instructions to redeem.
The rewards earned with your AAA Rewards Credit Card can be redeemed for merchandise, gift cards or a statement credit, among others. It is also possible to redeem your rewards for a direct deposit into your bank account, though you will have to call customer service for this option.
It should also be noted that the cash rewards earned using your card expire five years from the date they are posted to your account.
Share your insights and review for the AAA Rewards Credit Card
5
4%
4
83%
3
4%
2
2%
1
6%
3.7
127 reviews
127 reviews
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Dori Mondon @djemme
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1 Star Rating
Verified Customer
Another "one-star because there's no zero" rating. Do not sign up for this card. This was not the original bank when I first got this card through AAA, but they switched to Comenity about a year I did. Customer service is the worst you'll ever experience, and even if you have good credit, they won't lower your APR. I'm trying to decide on a better card and as soon as i do, I'll be transferring any remaining balance over just to get away from this "bank."
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Lasapienza253 @Lasapienza253
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1 Star Rating
One star because zero stars aren't allowed. I accidentally paid 4 times, which was $400. I called AAA Visa, and they said they would reimburse me, and they did. Three days later, they froze my card.
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0
0
Mary Jeanne Burger @mjburger
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1 Star Rating
This is the worst credit card I have ever had. Was very happy w/ my AAA Visa when it was through Bank of America. Since AAA left BofA and went to Comenity, I have had nothing but problems. A $20 charge was denied and account shut down requiring phone call to customer service that it was legit. They send texts asking if I recognize charge, when I reply yes, the account is still shut down until I call. I had a fraudulent charge 2 weeks ago and had to get a replacement card which was supposed to take 7-10 days, but still don't have the card. They give the spouse a different card number even though both are the same account. I was told my husband's card still worked even though mine had to be canceled until I got a replacement. We had an out of town trip and his card was denied at gas station, restaurant, etc. Made another call and was told that customer service rep gave incorrect info about my husband's card. His replacement card arrived, was activated, then declined when used to buy plane ticket. Called again and told his card can't be activated until my primary card is activated. Not sure when that will happen because his card was mailed to me and had the wrong name which they couldn't explain since my canceled card had correct name.
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Gail Ryan @johnandgailryan
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1 Star Rating
This was my go-to card, spending about $5,000 monthly. I am almost always on time with full payments, except last month. First time I was late by 5 days in over 4 years. I called the customer service number, and they were only willing to give me a credit of $10 towards the $200 in interest charges. I realize it was my mistake, but I will shift my spending to another card. If you're deciding between two cards, go with the other.
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0
kitkelly95 @kitkelly95
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2 Star Rating
I started using my AAA Visa 2 months ago. I just tried to register my account online, and that was quite a hassle! After making several attempts, I got messages saying that information that I was inputting didn't match what they had on file. I then called the customer service number. After going over my information, it turns out that they had the wrong email address connected to my account. After successfully registering, I tried to redeem my rewards. There is a message on the rewards page that if you want a direct deposit, you need to call customer service, otherwise, your points can be used only for statement balances. I called customer service (again) and was told that they could not give me a direct deposit because their system was under maintenance. It had been under maintenance for the past 2 days. They couldn't give me any idea of when the maintenance would be completed. I find this unsatisfactory!
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0
0
Mr M @pmetrics
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1 Star Rating
Have a AAA Visa from Comenity. It was switched to Comenity about a year ago I think. Customer service is horrible. After some unauthorized charges 'alerted' just as we started our 3 week vacation in Canada, called into number on the notice. During a difficult discussion to try to ID the fraudulent charges, the agent asked me if Canada was a European or non-European country??? Really,? Upon return wanted to check how our foreign currency transactions were handled. Could not find any info on Exchange Rates used to convert charges to USD. An online message resulted in the reply I would have to call "Custoner Care". After a struggle to reach a human, I was told they had no record of exchange rates used (or possibly this was part of a "back office" operation that I could no speak to!?). The only option offered was if I saved all of my paper receipts we could compare to the charges on my account and do the math. Hard to believe this is a 'real' financial institution. Horrible experience. Will have to consider the annoying option of changing card issuers.
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lyhne @lyhne
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2 Star Rating
Although the card has very good rewards, Comenity bank has terrible customer service. On one bill we made a 9 cent mistake when writing the check and they charged us a $32 interest fee. We have never had an interest fee EVER, numerous times we talked to Comenity customer service and they wouldn't waive the fee. So we canceled our cards which we were putting over a $1,000 a month on. Never would deal with them again, to many other cards out there with good rewards to chose from.
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pamela mcminn @pmcminnmcgready
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1 Star Rating
First: It took me an hour to find where to log in to my account and then the PW did not work and it took a long time to get that fixed. I was given several messages there was a glitch in the system. This happened 3 times since I have had the card and have to change my PW every time. I tried to send a message and that was a no go as well. It has been the worse online experience I have had with a card to make a payment. I do not want easy pay. I want to see my account. This may be a good card, but the online experience will keep me from using it in the future. It will have to be an emergency.
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Jim Pini @jim_pini
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1 Star Rating
Had a AAA card for years with no problem. Last year, service of the card was transferred to Comenity. They lost track of my auto pay information causing my bill to not be paid for two months, exceeding my credit limit. I was charged a $119 penalty due to their mistake, which they will not reimburse. They call this customer service?
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0
0
Angela @angelanwilson
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5 Star Rating
Verified Customer
Good card and nice rewards. No stress and easy online payment options. They also gave me a CLI within a few months. I would definitely recommend this card.
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