Comenity · Visa

Annual fee

$0

Rewards

Cash back

Earn rates

• 5% Gas purchases and electric vehicle-charging stations (up to $7,000/yr) — "With the AAA Travel Advantage Visa Signature® Credit Card you can earn 5% cash back on the first $7,000 spent on gas & electric vehicle-charging purchases in a calendar year, then 1% thereafter." Footnote 4 separately caps the 5% category at $350 USD cash back per calendar year.
• 3% Travel, restaurants, grocery store, and purchases at AAA — Page text: "3% cash back on travel, restaurants, grocery store, and purchases at AAA". A second section on the same page renders the same tier as "3% cash back on travel, dining, and groceries". No cap stated for this tier.

Foreign transaction fee

None

Purchase APR

17.49%–31.49% variable

Issuer rules

• Credit card offers are subject to credit approval.
• Cash back offers are exclusive to AAA Travel Advantage Visa Signature Credit Card holders enrolled in the AAA Travel Advantage Rewards program.
• Bonus-category earnings are only awarded if the merchant code for the purchase matches a category eligible for the offer; Comenity Capital Bank does not control assignment of merchant codes.
• Maximum of $350 USD in cash back in a calendar year on the 5% category, then 1% cash back on all net eligible purchases thereafter.
• Excludes third-party insurance and offers, automobile extended warranties, and trip insurance.
• Accounts are issued by Comenity Capital Bank pursuant to a license from Visa U.S.A. Inc.
• The rewards program is provided by Comenity Capital Bank and its terms may change at any time.

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