How to apply for the AAA Daily Advantage Card: requirements and steps

Application steps, cash back limits and how to reach customer service

By Luzia Martins
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The AAA Daily Advantage Visa Signature® Credit Card is a no-annual-fee cash back card issued by Comenity Capital Bank. This guide covers who the card suits, how to apply, how your credit limit works, the Visa Signature benefits it includes and how to contact customer service.

The card at a glance

  • Annual fee: $0
  • Cash back: 5% at grocery stores; 3% on gas and EV charging, wholesale clubs, streaming services, pharmacies and AAA purchases; 1% on everything else
  • Annual cap: up to $500 in cash back per calendar year from grocery stores, wholesale clubs and gas stations combined, then 1%
  • Welcome offer: $100 statement credit after spending $1,000 in the first 90 days
  • Purchase APR: 17.49% to 31.49% variable, based on your creditworthiness
  • Foreign transaction fee: none

Terms checked in September 2026 for new accounts. Rates, categories and offers can change and may vary by AAA club, so confirm the current terms on AAA’s official website before you apply.

Who the card is for

The card suits people who spend a moderate amount at supermarkets and on gas, pharmacies and streaming, and who want cash back without an annual fee. If you spend heavily on groceries, keep in mind that the annual cap will drop those purchases to 1% partway through the year. If you buy most of your groceries at superstores or discount stores, those purchases may not earn the 5% rate.

How to apply for the AAA Daily Advantage Visa Signature® Card

  1. Go to your local AAA club’s credit card page. AAA operates through regional clubs, so the application is tied to your ZIP code, and membership requirements can differ between clubs.
  2. Choose the AAA Daily Advantage Visa Signature® Card and start the application.
  3. Fill in your personal and financial information, including your Social Security number and income, and review the rates and terms.
  4. Submit the application and wait for Comenity Capital Bank’s decision. Approval is subject to credit review.

Submitting an application usually results in a hard inquiry on your credit report, which can lower your score slightly for a period.

How the credit limit works

Comenity Capital Bank sets your credit limit when it approves your application, based on its review of your credit. The issuer doesn’t publish a minimum or typical limit. If you want a higher limit later, you can contact Comenity to ask whether your account is eligible for an increase.

Visa Signature benefits

As a Visa Signature card, it includes Visa’s Zero Liability policy, which protects you from unauthorized charges made with your card or account information.

If your card is lost, stolen or damaged, Visa can help arrange an emergency replacement card and, in some cases, an emergency cash disbursement at a location near you, whether you’re at home or traveling.

When you travel, Visa’s Travel and Emergency Assistance Services connect you to a 24/7 call center for help with medical and legal referrals, emergency transportation, lost luggage and translation. The referral service is free, but you pay for any services you receive.

Visa Signature benefits can change, so check the benefits guide for your card for the current list and terms.

Frequently asked questions

Do I need to be a AAA member to apply?
Requirements can differ between AAA clubs. Check your local club’s credit card page before you apply.
How long does it take to get a decision?
Many applications receive a decision quickly. When the bank needs more time to review your information, federal law requires it to notify you of its decision within 30 days of receiving your completed application.
What happens when I reach the $500 cash back cap?
Purchases at grocery stores, wholesale clubs and gas stations earn 1% for the rest of the calendar year. Streaming, pharmacy and AAA purchases aren’t part of that cap. The cap resets at the start of each calendar year.
Why didn't a purchase earn the bonus rate?
Bonus rates depend on the merchant category code assigned to each store, which the bank doesn’t control. If a store isn’t coded as a grocery store, gas station or other bonus category, the purchase earns 1%.
Can I get a cash advance?
Yes, but it’s expensive. Cash advances have a 32.49% variable APR and a fee of 5% of the advance ($10 minimum).
What should I do if my card is lost or stolen?
Call customer service at 1-800-305-1219. You can also call Visa Global Customer Card Services at 1-800-847-2911 in the U.S., or collect at 1-303-967-1096 from abroad.
What happens if I miss a payment?
You may be charged a late fee, and a penalty APR of up to 33.49% can apply. Late payments reported to the credit bureaus can also hurt your score.

How to contact customer service

  • AAA Daily Advantage Visa Signature® customer service: 1-800-305-1219
  • TDD/TTY: 1-888-819-1918
  • Visa Global Customer Card Services: 1-800-847-2911 in the U.S., or collect at 1-303-967-1096 from abroad

You can also manage your account, make payments and track your cash back through Comenity’s online account.

Our take on the AAA Daily Advantage Visa Signature® Card

The AAA Daily Advantage card pays well on groceries and everyday categories without an annual fee, and it has no foreign transaction fees. Its limits are the $500 annual cap and the merchant code rules, which can lower what you actually earn. Check where you buy groceries and how much you spend before you apply, and pay the full balance each month so interest doesn’t cancel out your rewards.

The button below takes you to AAA’s official website, where you can review the card and apply.

GO TO OFFICIAL WEBSITE

*You will be redirected to AAA’s website*

Editorial Notice: All content published on this website is completely independent and aims to provide clear, useful, and up-to-date information about personal finance. We have no ties to banks, financial institutions or credit card companies. We are not affiliates and do not receive commissions or payments to promote products or services. Our website is monetized exclusively through the advertisements displayed on our pages. This content is for informational purposes only and is not financial advice.

Hi, I’m Luzia, part of the content team at Finvyu. I specialize in providing clear and accessible financial information to help people of all ages manage their money more effectively in everyday life.
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