AAA Travel Advantage Visa Signature Credit Card
Basic Information
Program ID: aaa-travel-advantage-visa-signature-credit-card
Issuer: BreadFinance
Card Type: Credit
Network: Visa
Card Tier: Signature
Data Complete: Yes
Created: 01/15/2026 14:38
Last Scraped: 01/15/2026 14:40
Fee Structure
| Annual Fee: | $0.00 |
| Year 1 Waived: | No |
| Effective Annual Fee: | $0.00 |
| Authorized User Fee: | $0.00 |
| Penalty APR: | 0.00% |
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: $20,000.00
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: Cash Back
Base Reward Rate: 1.00%
Bonus Reward Rate: 5.00%
Bonus Categories: 5x Eligible AAA Purchases, 3x Gas & EV Charging, 3x Groceries, 3x Restaurants
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: None
Card Benefits
Protection Benefits
- Extended Warranty
- Purchase Protection
Travel Benefits
- No Foreign Transaction Fees
Premium Benefits
- Concierge Service
Approval Criteria
Recommended FICO Range: 700 - 850
Approval Odds Category: Good
Pre-qualification Available
Soft Pull Supported
Hard Pull Bureau: Experian
Issuer Rules
Rules: Eligibility requirements for the aaa-travel-advantage-visa-signature-credit-card include being at least 18 years of age, a U.S. resident, and possessing a good to excellent credit score (typically FICO 700+). Applicants must not have opened more than two new BreadFinance credit card accounts in the past 24 months, nor have received a sign-up bonus for any 'aaa-travel' branded card within the last 48 months. The standard welcome bonus offers X points/miles after spending $Y within the first Z months of account opening. Bonus points are typically awarded 8-12 weeks after meeting the spend threshold.
Maximum Cards Per Issuer: 3
Minimum Spend Interval: 6 months
Shutdown Risk Triggers: Manufactured spending, high cumulative credit limit across BreadFinance products, excessive credit cycling, non-compliance with terms and conditions, sudden large deposits/withdrawals, repeated balance transfers for bonus arbitrage, and suspected abuse of return policies.
International Friendly
User Analytics & Insights
User Ratings
Average Rating: 3.4 / 5.0
Top Positive Feedback:
Good rewards on gas and groceries, useful for AAA members, no annual fee, decent travel benefits.
Top Negative Feedback:
Poor customer service, high APR, issues with credit limit increases, rewards redemption can be clunky.
Approval Experience Score: 72.0 / 100
Recommended Alternatives
- Chase Freedom Flex
- Capital One Quicksilver
- Wells Fargo Autograph Card
Card Value Score: 68.0 / 100
Est. Annual Rewards: $320.00
User Portfolio Metrics
Avg Portfolio Size: 4 cards
Avg Portfolio Age: 80 months
Store vs Co-brand: 90% General / 10% AAA-related
Risk Assessment
Default Risk Group: Medium
Predicted Approval Probability: 70.0%
Terms Version Control
Version ID: v1.0