Comenity Capital Bank
AAA Daily Advantage Visa Signature
Annual Fee
$0
Sign-up Bonus
10,000 pts
Card data last reviewed 2026-06-09
Where It Wins, Where It Doesn't
Generated from the card's data against our full catalog, not editorial opinion.
- 5x on grocery (catalog median is 1.5x)
- 3x on gas (catalog median is 2x)
- 3x on costco (catalog median is 1x)
- No annual fee
- Non-bonus spending earns only 1x
- Top earn rate is capped (shared across categories)
What It Earns
Net annual value (rewards + credits at typical usage, minus the fee) at three reference spending profiles. Signup bonuses excluded.
Everyday
Groceries, gas, and dining out a few times a month ($24,000/yr)
+$588/yr
$588 rewards
Foodie
Heavy dining and delivery, lighter on travel ($26,000/yr)
+$512/yr
$512 rewards
Traveler
Several trips a year with flights and hotels ($28,000/yr)
+$472/yr
$472 rewards
This card has spending caps or rotating categories not fully modeled above; treat these as upper bounds.
Rewards by Category
Dining
1x
Grocery
5x
Gas
3x
Flights
1x
Hotels
1x
Other Travel
1x
Online Shopping
1x
Rideshare
1x
Streaming
3x
Amazon
1x
Costco
3x
Other
1x
Apple
1x
Cell Phone
1x
Fast Food
1x
Home Utilities
1x
Internet
1x
Walmart
1x
Point value: 1.0 cents per point
The Fine Print That Changes the Math
5% cash back at grocery stores, 3% at gas stations and EV charging, wholesale clubs, streaming services, pharmacies, and on AAA purchases, 1% everywhere else. Maximum $500 cash back per calendar year combined across grocery stores, wholesale clubs, and gas stations; those categories earn 1% after. Wholesale clubs are modeled under the Costco category; pharmacy and AAA-purchase bonuses are not mappable to CardSavvy categories yet. No annual fee, no foreign transaction fees. $100 statement credit after $1,000 spend in first 90 days. Issued by Comenity Capital Bank; AAA membership not required. Bonus categories depend on merchant category codes; PayPal/Venmo purchases earn no bonus.
- Grocery, Gas, Costco: combined cap of $500 per year
AAA Daily Advantage Visa Signature FAQ
What is the AAA Daily Advantage Visa Signature annual fee?
The AAA Daily Advantage Visa Signature has no annual fee.
What is the AAA Daily Advantage Visa Signature signup bonus?
10,000 points for new cardholders meeting the minimum spend. Verified 2026-06-09. Check the issuer's site for the current offer.
What are the best spending categories for the AAA Daily Advantage Visa Signature?
5x on grocery, 3x on gas, 3x on costco. Everything else earns 1x.
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Sources & Verification
Card data last reviewed 2026-06-09.
Card details are for informational purposes only. Please verify current terms, rewards, and benefits on the issuer's website before applying. Links to issuers are direct; CardSavvy currently earns no commission from them.