AAA Daily Advantage Visa Signature Credit Card
Basic Information
Program ID: aaa-daily-advantage-visa-signature-credit-card
Issuer: BreadFinance
Card Type: Credit
Network: Visa
Card Tier: Signature
Data Complete: Yes
Created: 01/15/2026 14:36
Last Scraped: 01/15/2026 14:38
Fee Structure
| Annual Fee: | $0.00 |
| Year 1 Waived: | Yes |
| Effective Annual Fee: | $0.00 |
| Authorized User Fee: | $0.00 |
| Penalty APR: | 30.00% |
Additional Fees
| Late Fee: | $40.00 |
| Returned Payment: | $40.00 |
| Balance Transfer: | Either $5 or 3% of the amount of each transfer, whichever is greater. |
| Cash Advance: | Either $10 or 5% of the amount of each cash advance, whichever is greater. |
| Foreign Transaction: | 0.00% |
Interest Rates
Purchase APR Range: 2,124.00% - 2,924.00%
Intro Purchase APR: 0.00%
Intro APR Duration: 15 months
Balance Transfer APR: 2,124.00%
Intro BT APR: 0.00%
Intro BT Duration: 15 months
Cash Advance APR: 2,999.00%
Sign-Up Bonus
Bonus Amount: $100.00
Spending Requirement: $1,000.00
Time Period: 90 days
Bonus Timing: Typically within 8-12 weeks after requirement is met, but often within 48-72 hours
Rewards Program
Reward Type: Points
Base Reward Rate: 1.00%
Bonus Reward Rate: 3.00%
Bonus Categories: 3x Groceries, 3x Dining, 3x Gas Stations
Point Value Estimate: 0.0100 cents/point
Expiration Policy: Points do not expire as long as account is active and in good standing.
Transfer Partners: N/A - No direct transfer partners.
Card Benefits
Protection Benefits
- Extended Warranty
- Purchase Protection
Travel Benefits
- Travel Insurance
- Primary Rental Protection
- No Foreign Transaction Fees
Premium Benefits
- Concierge Service
Approval Criteria
Recommended FICO Range: 670 - 850
Approval Odds Category: Good
Pre-qualification Available
Soft Pull Supported
Hard Pull Bureau: Experian, TransUnion, Equifax
Issuer Rules
Rules: For 2026, the aaa-daily-advantage-visa-signature-credit-card offers a bonus of 20,000 BreadFinance Advantage Points after spending $1,500 on eligible purchases within the first 3 months of account opening. Eligibility requirements include: a FICO score of 700 or higher, no more than 2 new credit card accounts opened with BreadFinance in the past 24 months (2/24 rule), not having received a sign-up bonus for any 'Daily Advantage' family card in the last 48 months, being 18 years or older, and a US resident with a verifiable income sufficient to support the credit line.
Maximum Cards Per Issuer: 4
Minimum Spend Interval: 3 months
Shutdown Risk Triggers: Manufactured spending (e.g., gift card cycling, excessive payment app loads), high cumulative credit limit across BreadFinance products relative to income, non-organic spending patterns (e.g., large, round-number transactions inconsistent with typical consumer behavior), repeated balance transfers without new organic spend, excessive credit cycling (paying off and immediately re-spending large portions of the credit limit), opening too many accounts with other issuers in a short period, or any activity deemed fraudulent or abusive of the rewards program.
International Friendly
User Analytics & Insights
User Ratings
Average Rating: 3.6 / 5.0
Top Positive Feedback:
Excellent rewards on gas and groceries, good for AAA members, easy online account management.
Top Negative Feedback:
Customer service can be slow, high interest rates, credit limit increases are difficult.
Approval Experience Score: 72.0 / 100
Recommended Alternatives
- Costco Anywhere Visa Card by Citi
- Amazon Prime Rewards Visa Signature Card
- Blue Cash Preferred Card from American Express
Card Value Score: 78.0 / 100
Est. Annual Rewards: $400.00
User Portfolio Metrics
Avg Portfolio Size: 4 cards
Avg Portfolio Age: 72 months
Store vs Co-brand: 85% General / 15% Co-brand Partner
Risk Assessment
Default Risk Group: Medium
Predicted Approval Probability: 70.0%
Terms Version Control
Version ID: v1.0