| Category | Rate | Type | Cap |
|---|---|---|---|
|
AAA Purchases
Purchases made directly from AAA (e.g., membership, travel services, insurance products, roadside assistance, and merchandise).
|
5x | Cash Back | No cap |
|
Gas
Purchases made at merchants classified as gas stations or electric vehicle charging stations. Excludes purchases at superstores, supermarkets, convenience stores, and warehouse clubs that sell gasoline.
|
3x | Cash Back | No cap |
|
Groceries
Purchases made at merchants classified as grocery stores. Excludes purchases at superstores, convenience stores, and warehouse clubs.
|
3x | Cash Back | No cap |
|
Dining
Purchases made at merchants classified as restaurants. Excludes purchases at superstores, convenience stores, and warehouse clubs.
|
3x | Cash Back | No cap |
|
All Other Purchases
All other purchases not falling into the higher earning categories.
|
1x | Cash Back | No cap |
| Benefit | Category | Value / Coverage |
|---|---|---|
|
No Annual Fee
The card does not charge an annual fee for card membership.
|
Financial |
No annual fee
Up to $0
|
|
Welcome Offer: $100 Statement Credit
Receive a $100 statement credit after spending $1,000 on eligible purchases within the first 90 days of account opening.
|
Financial |
$100 statement credit
Up to $100
|
|
Visa Signature Concierge
Provides complimentary 24/7 personal assistance for travel planning, dinner reservations, event tickets, and other requests.
|
Lifestyle | 24/7 personal assistance |
|
Extended Warranty Protection
Extends the manufacturer's original warranty for eligible items purchased with the card. Typically adds up to one additional year to warranties of three years or less.
|
Purchase Protection |
Up to 1 additional year, up to $10,000 per claim, $50,000 per cardholder
Up to $10,000
|
|
Purchase Security
Replaces, repairs, or reimburses eligible items purchased with the card that are stolen or damaged within 90 days of purchase.
|
Purchase Protection |
Up to $500 per claim, $50,000 per cardholder
Up to $500
|
|
Emergency Card Replacement
Expedited replacement of a lost or stolen card, typically within 1-3 business days in the U.S. and varying internationally.
|
Security | Expedited replacement |
|
Emergency Cash Disbursement
Provides emergency cash to cardholders whose card has been lost or stolen, typically available within hours of approval.
|
Security | Emergency cash access |
|
Lost/Stolen Card Reporting
Assistance with reporting a lost or stolen card to the issuer and blocking the account to prevent unauthorized use.
|
Security | Assistance service |
|
Zero Liability Protection
Protects cardholders from unauthorized purchases made with their card or account information. Cardholders are not held responsible for fraudulent charges.
|
Security | No liability for unauthorized charges |
|
1% Cash Back on All Other Purchases
Earn 1% cash back on all other eligible purchases not categorized as AAA, travel, or gas.
|
Shopping | 1% cash back |
|
5% Cash Back on AAA Purchases
Earn 5% cash back on eligible purchases made at AAA, including AAA membership fees, travel, and automotive services.
|
Shopping | 5% cash back |
|
3% Cash Back on Travel & Gas Purchases
Earn 3% cash back on eligible travel and gas purchases.
|
Travel | 3% cash back |
|
Auto Rental Collision Damage Waiver
Provides secondary coverage for damage due to collision or theft of most rental vehicles when the card is used to pay for the entire rental and the rental company's collision damage waiver is declined.
|
Travel Insurance | Secondary coverage |
|
Lost Luggage Reimbursement
Reimburses cardholders for the replacement of lost or stolen checked or carry-on luggage and its contents when traveling on a common carrier.
|
Travel Insurance |
Up to $3,000 per trip
Up to $3,000
|
|
Roadside Dispatch
A pay-per-use roadside assistance program. Cardholders can call a toll-free number for services like towing, tire changing, jump starting, lockout service, fuel delivery, and winching. Fees apply per service call.
|
Travel Insurance | Pay-per-use service |
|
Travel Accident Insurance
Provides coverage for accidental death or dismemberment while traveling on a common carrier when the fare is paid with the eligible card.
|
Travel Insurance |
Up to $500,000
Up to $500,000
|
|
Travel and Emergency Assistance Services
Provides a range of emergency services when traveling, including medical and legal referrals, emergency transportation assistance, emergency message relay, and lost luggage locator service. Cardholders are responsible for the cost of third-party services.
|
Travel Insurance | Referral and coordination services |
|
Trip Cancellation/Interruption Insurance
Reimburses non-refundable passenger fares if a trip is canceled or interrupted for covered reasons, such as illness, injury, or severe weather.
|
Travel Insurance |
Up to $2,000 per person, $10,000 per trip
Up to $10,000
|
|
Trip Delay Reimbursement
Reimburses cardholders for reasonable additional expenses (e.g., meals, lodging) incurred when a covered trip is delayed for a specified period (e.g., 6 hours or overnight) due to a covered hazard.
|
Travel Insurance |
Up to $500 per ticket
Up to $500
|
