19
Benefits3
Reward Categories5x
Max Reward21.2%
APR FromBasic Information
PENDINGProgram ID: aaa-travel-advantage-visa-signature-credit-card
Issuer: BreadFinance
Card Name: AAA Travel Advantage Visa Signature® Credit Card
Card Type: Credit
Network: Visa
Card Tier: Signature
Approved: Pending
Data Complete: Complete
SCRA Benefits (Military Members)
Bread Financial offers financial relief and support to eligible military servicemembers and their families, complying with SCRA. Benefits include interest rate reductions on pre-service obligations, protection from default judgments, and the ability to terminate certain leases.
Rewards Program (Detailed) 3 Categories
PENDING| Category | Rate | Type | Description | Annual Cap | Status |
|---|---|---|---|---|---|
| Gas & EV Charging | 5x | Cash Back | Eligible gas and electric vehicle (EV) charging purchases (MCC 5542, 5541, 5552). | $10,000 | |
| Travel & AAA Purchases | 3x | Cash Back | Eligible travel purchases (airlines, car rentals, hotels, cruise lines, railways, travel agencies, timeshares) and AAA purchases (AAA clubs, roadside assistance). | $10,000 | |
| All Other Purchases | 1x | Cash Back | All other eligible purchases not included in 5% or 3% cash back categories. | No Cap |
Rewards Summary
PENDINGReward Type: Points
Base Rate: 1x
Bonus Rate: 5x
Categories: 5x on eligible AAA purchases; 3x on eligible travel purchases; 3x on eligible gas and EV charging purchases
Quarterly Rotating: No
Cap Amount: $100,000.00
Expiration Policy: Points do not expire as long as your account is open and in good standing.
Point Value: 0.01¢
Travel Portal Multiplier: 1x
Benefits & Protections (Detailed) 19 Total
PENDINGFees 1
No Annual Fee
No annual feeThere is no annual fee for carrying this credit card.
Lifestyle 1
Concierge Services
24/7 assistanceProvides 24/7 personalized assistance for a wide range of needs, including dinner reservations, event tickets, travel arrangements, and gift suggestions.
Purchase Protection 2
Purchase Security
Up to $500 per claim, up to $50,000 per cardholder accountProtects eligible new purchases against theft or damage for 90 days from the date of purchase when purchased with your eligible Visa Signature card.
Extended Warranty Protection
Up to 1 additional year, up to $10,000 per claim, up to $50,000 per cardholder accountExtends the manufacturer's original U.S. warranty by up to one additional year on eligible items purchased with your eligible Visa Signature card.
Rewards 3
Cash Back on AAA Purchases
5% cash back on up to $10,000 spent annually, then 1%Earn 5% cash back on eligible AAA purchases, including membership, travel, and insurance products, when you use your card.
Cash Back on Gas, EV Charging & Travel
3% cash back on up to $10,000 spent annually, then 1%Earn 3% cash back on eligible gas and electric vehicle charging station purchases, and on eligible travel purchases (e.g., airlines, hotels, car rentals).
Cash Back on All Other Purchases
1% cash backEarn 1% cash back on all other eligible purchases not covered by the 5% or 3% categories.
Travel 1
No Foreign Transaction Fees
No foreign transaction feesAvoid additional charges on purchases made outside of the United States.
Travel Assistance 2
Roadside Dispatch
Pay-per-use serviceA pay-per-use referral service that provides 24-hour access to roadside assistance services like towing, tire changing, jump starting, lockout service, and fuel delivery. Fees apply for services rendered.
Travel and Emergency Assistance Services
Referral servicesProvides a variety of emergency services and referrals when you're traveling, including medical and legal referrals, emergency transportation assistance, and pre-trip assistance. Cardholders are responsible for the cost of services rendered.
Travel Insurance 8
Auto Rental Collision Damage Waiver
Up to the actual cash value of most rental vehiclesProvides secondary coverage for damage due to collision or theft of most rental vehicles when you pay for the rental with your eligible Visa Signature card and decline the rental company's collision damage waiver.
Travel Accident Insurance
Up to $500,000Provides coverage for accidental death or dismemberment when traveling on a common carrier (plane, train, bus, ship) and the fare was purchased with your eligible Visa Signature card.
Lost Luggage Reimbursement
Up to $3,000 per tripReimburses you for the replacement of lost or stolen checked or carry-on luggage and its contents when you pay for the common carrier fare with your eligible Visa Signature card.
Baggage Delay Reimbursement
Up to $100 per day for 3 daysReimburses you for the purchase of essential items, such as toiletries and clothing, when your checked baggage is delayed for more than 6 hours by a common carrier, and you paid for the common carrier fare with your eligible Visa Signature card.
Trip Cancellation/Interruption Insurance
Up to $2,000 per insured person, up to $10,000 per tripReimburses you for non-refundable passenger fares if a trip is canceled or interrupted for covered reasons, such as illness or severe weather, when you pay for the common carrier fare with your eligible Visa Signature card.
Trip Delay Reimbursement
Up to $300 per ticketReimburses you for reasonable additional expenses (meals, lodging) incurred when your common carrier trip is delayed for more than 6 hours or requires an overnight stay due to a covered hazard, and you paid for the common carrier fare with your eligible Visa Signature card.
Emergency Medical/Dental Benefit
Up to $2,500Reimburses you for emergency medical and dental expenses incurred while traveling outside your home country, when you pay for the common carrier fare with your eligible Visa Signature card.
Emergency Evacuation
Up to $10,000Provides coverage for emergency medical evacuation to the nearest appropriate medical facility if you become seriously ill or injured while traveling away from home, when you pay for the common carrier fare with your eligible Visa Signature card.
Welcome Offer 1
Statement Credit Welcome Bonus
$100 statement credit after spending $1,000 in the first 90 daysReceive a statement credit after meeting the specified spending requirement within the introductory period.
Benefits Summary (Flags)
PENDINGExtended Warranty
Purchase Protection
Cell Phone Protection
Travel Insurance
Primary Rental Protection
Airport Lounge Access
Trip Delay Coverage
Lost Luggage Coverage
Price Protection
Concierge Service
No Foreign Fees
ShopRunner
Sign-Up Bonus
PENDING$100
Cash BackRequirement: Spend $1,000 in 90 days
Timing: The statement credit will be applied to your account within 1-2 billing cycles after you have met the spending requirement.
Fee Structure
PENDING| Annual Fee: | $0.00 |
| Year 1 Waived: | No |
| Effective Annual Fee: | $0.00 |
| Authorized User Fee: | $0.00 |
| Min Interest Charge: | $2.00 |
Additional Fees
PENDING| 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 & APR
PENDINGStandard APR
Purchase APR: 21.24% - 29.99%
Balance Transfer APR: 21.24%
Cash Advance APR: 29.99%
Intro APR Offers
Intro Purchase APR: 0% for 15 months
Intro BT APR: 0% for 15 months
Approval Criteria & Requirements
PENDINGCredit Score Requirements
Application Process
Issuer Rules & Policies
PENDINGRules: To be eligible for the aaa-travel-advantage-visa-signature-credit-card, applicants must be at least 18 years of age (or 21 in certain states), a U.S. resident, and possess good to excellent credit history with sufficient income. The welcome bonus offers 50,000 bonus points after spending $3,000 on purchases within the first 3 months of account opening. This bonus is not available to applicants who currently hold or have received a bonus for this specific card product within the last 24 months. Store-specific restrictions may apply to certain bonus categories or redemption options, particularly with BreadFinance's retail partners.
Max Cards Per Issuer: 4
Min Spend Interval: 3 months
Cliff Effect Rules: Eligibility for the welcome bonus may be restricted if the applicant currently holds or has received a bonus for another 'BreadFinance Travel Advantage' branded credit card within the last 24 months.
Special Events: Bonus point categories or redemption options may align with specific BreadFinance retail partners during promotional periods, offering enhanced value or exclusive offers.
Holiday Promos: Black Friday, Cyber Monday, End-of-year holiday season (November-December), and other major shopping holidays.
International Friendly: Yes
User Analytics & Insights
PENDINGUser Ratings
Average Rating: 3.7 / 5.0
Top Positive:
Excellent rewards on gas, travel, and AAA purchases. No annual fee and a decent sign-up bonus. Good for AAA members who frequently spend on these categories.
Top Negative:
Frequent complaints about customer service from Bread Financial. High APR for some users. Rewards redemption process can be cumbersome or limited.
Approval Experience: 75.0 / 100
Recommended Alternatives
- Chase Sapphire Preferred Card
- Capital One VentureOne Rewards Credit Card
- Wells Fargo Autograph Card
Card Value Score: 70.0 / 100
Est. Annual Rewards: $360.00
Approval Probability: 75.0%
Version Control
PENDINGVersion ID: v1.0