There are currently no credit cards that offer an AAA Membership. You have to submit an application separately if you wish to become an AAA member. You can apply for membership at any local branch, or online.
Although there is a AAA Rewards Credit Card, membership is not offered as part of its benefits. The card just gives you higher rewards on qualifying AAA purchases.
That being said, many credit cards offer roadside assistance services similar to those of AAA. This benefit is driven by the credit card networks, like Visa, Mastercard, and American Express. So, before you apply for AAA membership, consult your card’s Guide to Benefits to check if you are not already covered.
This answer was last updated on 01/25/24 and it was first published on 11/29/17. For the most current information about a financial product, you should always check and confirm accuracy with the offering financial institution. Editorial and user-generated content is not provided, reviewed or endorsed by any company.
FAQs
AAA Travel Advantage Visa Signature® Credit Card or AAA Daily Advantage Visa Signature® Credit Card Accounts are issued by Comenity Capital Bank pursuant to a license from Visa U.S.A. Inc. Visa is a registered trademark of Visa International Service Association and used under license.
What credit score do you need for an AAA credit card? ›
If you want to apply for the AAA Member Rewards Visa Signature® Card, we suggest having a FICO® Score of 670 or higher. This credit card is intended for consumers with good credit. Other factors are also assessed when determining approval, such as income and current debt.
Is the AAA Visa signature card worth it? ›
If you're on the road often, then you may still get a lot out of the AAA Member Rewards Visa Credit Card. While it doesn't offer premium travel perks, we love that it's an all-rounder — you'll get bonus rewards for travel, AAA, grocery store, drugstore, gas station and wholesale club purchases for no annual fee.
Is the AAA credit card hard to get? ›
Gotta have good credit. The AAA Visa Travel Credit Card requires good or excellent credit for approval, so it's not for everyone. You can get a sense of your chances by checking your credit score for free on WalletHub.
What's the best AAA card? ›
AAA Premier Membership brings you the highest level of AAA perks. You'll receive everything you get as an AAA Plus member and much more, including: Up to 200 miles of free towing (once per year - the other 3 tows are limited to 100 miles).
What bank is AAA associated with? ›
AAA has partnered with Discover Bank to offer members Certificate of Deposit and Money Market accounts with high yields and no minimum opening balance. All accounts are FDIC-insured up to $250,000 per depositor.
Does AAA do a hard credit check? ›
Yes, AAA does use your credit score as a factor when determining your car insurance rates, as do most major insurers. However, credit checks by auto insurers do not harm your credit score and are only done in states where it is legal for your credit score to affect your rates.
What two companies have a AAA credit rating? ›
Currently there are only two companies in the United States with an AAA credit rating: Microsoft and Johnson & Johnson.
What is considered AAA credit score? ›
'aaa' ratings denote the best prospects for ongoing viability and lowest expectation of failure risk. They are assigned only to financial institutions with extremely strong and stable fundamental characteristics, such that they are most unlikely to have to rely on extraordinary support to avoid default.
Which is better Visa signature or platinum? ›
Key Differences between Visa® Platinum and Visa® Signature
A Visa® Signature card offers low rates, but not as low as the Platinum card. Visa Signature rates are as low as 9.90%. The main differentiator between Platinum and Signature cards is that Signature cards earn Cash Back rewards.
Visa Signature is a card that truly does more…
You'll also be able to take advantage of Visa's exclusive, complimentary 24-hour concierge service as well as shopping savings and special offers from your favorite retailers. Requirements: $5,000 minimum limit. 680+ credit score.
Which is better Visa Signature or Mastercard World? ›
A Visa card is also preferable if you travel internationally. Although the number of merchants that accept Visa and Mastercard is nearly the same domestically, Visa has greater acceptance internationally. Visa is accepted by approximately 46 million international merchants, while only 37 million accept Mastercard.
What is the downside of the AAA? ›
Drivers who don't travel much might not have the chance to take advantage of everything AAA can offer, which means the money they're paying for membership isn't benefiting them fully. Additionally, certain insurance policies and warranties offer the same services as AAA.
What Bank issues AAA credit cards? ›
AAA Travel Advantage Visa Signature® Credit Card or AAA Daily Advantage Visa Signature® Credit Card Accounts are issued by Comenity Capital Bank pursuant to a license from Visa U.S.A. Inc. Visa is a registered trademark of Visa International Service Association and used under license.
Can you prequalify for AAA credit card? ›
You will need a credit score of at least 700 to get it. You can prequalify for the AAA Credit Card on Bank of America's pre-qualification page, which will not affect your credit score as it will be a soft pull.
What payment method does AAA use? ›
Allowable forms of payment are personal checking accounts, VISA, MasterCard, Discover and American Express credit cards or debit cards that have a VISA or MasterCard logo.
What credit bureau does AAA use? ›
When applying for the AAA Credit Card, Bank of America is most likely to check your Experian credit report when you make a credit card application. After Experian, Bank of America will turn to Equifax. The bank will only use TransUnion data if necessary.
Does AAA credit card do a hard pull? ›
Yes, the AAA Credit Card will do a hard pull. You will need a credit score of at least 700 to get it. You can prequalify for the AAA Credit Card on Bank of America's pre-qualification page, which will not affect your credit score as it will be a soft pull.
Which credit cards are Comenity Bank? ›
Here are some of the better-known stores for which Comenity provides a retail credit card:
- Loft Credit Card.
- Bed Bath & Beyond's Welcome Rewards store Credit Card.
- Ikea Visa Credit Card.
- Ulta's Ultamate Rewards Credit Card.
- Victoria's Secret Mastercard Credit Card.
- Big Lots Credit Card.
- BJ's Perks Plus Mastercard Credit Card.
