AAA Daily Advantage Visa Signature
By Alex Compton · Last verified
The sleeper 5% grocery card hiding behind a roadside assistance logo.
Welcome Bonus
Under review
Current claim suppressed
Spend Requirement
Under review
Annual Fee
Under review
Last recorded terms remain in the history below
Credit Score
670+
(Good)
Historical Offers Chart
Every public offer change we've tracked. Hover for details, timing your application is worth hundreds of dollars.
| Observed | Offer | Requirement | What changed | Evidence |
|---|---|---|---|---|
| 2026-06 | $100 | $1,000 in 3 mo | Terms reconfirmed | Archive record · no attached snapshot |
| 2023-06 | $100 | $1,000 in 3 mo | Earliest recordLaunch era offer | Archive record · no attached snapshot |
Primary-source verification log
Append-only evidence ledgerEvent-level primary-source attachments begin with the September 2026 verification system. Older records remain visible but are not retroactively presented as evidenced.
Source checked 2026-06-11 · spot an outdated offer? Report a correction above.
Last Recorded Earning Rates
These terms are historical context and are not presented as current.
- 5xGrocery stores5% and 3% categories cap at $500 cash back per calendar year combined, then 1%
- 3xGas, EV charging, wholesale clubs, streaming, pharmacy and AAA purchases
- 1xAll other purchases
Last Recorded Credits
No statement credits, this card wins on earn rates, not coupons.
Last Recorded Benefits
Confirm availability and enrollment requirements with the issuer.
- ✦Real cash back: statement credit or direct deposit, no captive store credit
- ✦No AAA membership required to apply
- ✦No foreign transaction fees on a no-fee card
Why it earns its spot
- +5% on groceries beats nearly every dedicated grocery card
- +3% spread covers gas, streaming, pharmacy and warehouse clubs
- +Redeems as actual cash
Where it costs you
- −Bonus categories cap at $500 cash back per year, then drop to 1%
- −Comenity is notorious for closing cards that sit unused
- −Low credit limits are common out of the gate
The Compound Verdict
Pound for pound the best card in the retail cobrand universe and almost nobody knows it exists. Five percent on groceries paid in real cash, no annual fee, no membership requirement. The yearly cap and Comenity's twitchy account management are the only things keeping it from elite status.
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