Comenity · Visa

Annual fee

$0

Rewards

Cash back

Earn rates

• 5% grocery stores (up to $10,000/yr) — Verbatim: "5% cash back on grocery store purchases". Cap is a combined 5%/3% spend cap: "Combined earn of 5% cash back on grocery store and 3% cash back on wholesale club & gas purchases on the first $10,000 spent in a calendar year, then 1% thereafter." Footnote 3 also states "Maximum of $500 USD cash back earned in a calendar year at grocery stores, wholesale clubs and gas stations combined. After that, purchases will earn 1% cash back for the remainder of the calendar year."
• 3% gas and EV charging, wholesale clubs, streaming services, pharmacy, AAA purchases (up to $10,000/yr) — Verbatim: "3% cash back on gas and electric vehicle-charging stations, wholesale clubs, streaming services, pharmacy, and purchases at AAA". The $10,000 combined cap the page states covers only the wholesale club and gas portion of this tier: "Combined earn of 5% cash back on grocery store and 3% cash back on wholesale club & gas purchases on the first $10,000 spent in a calendar year, then 1% thereafter." The page states no cap for streaming, pharmacy or AAA purchases.

Foreign transaction fee

None

Purchase APR

17.49%–31.49% variable

Issuer rules

• Credit card offers are subject to credit approval.
• Bonus category earning requires enrollment: "Offer is exclusive to AAA Daily Advantage Visa Signature® Credit Card holders enrolled in the AAA Daily Advantage program."
• Bonus earning depends on merchant category codes: "earnings will only be awarded if the merchant code for the purchase matches a category eligible for the offer".
• Annual cash back cap: "Maximum of $500 USD cash back earned in a calendar year at grocery stores, wholesale clubs and gas stations combined. After that, purchases will earn 1% cash back for the remainder of the calendar year."
• Excluded from bonus earning: "Excludes third party insurance and offers, automobile extended warranties, and trip insurance."
• Account issued by Comenity Capital Bank: "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."

Want your assistant to answer questions about this card? Connect it to creditcards.best.