topic Re: Bread AAA Daily and Travel Advantage Geofenced in Credit Cards

Bread AAA Daily and Travel Advantage Geofenced

Anonymous — Sat, 06 Jul 2024 13:12:39 GMT

The point of this post is to be a PSA and to add what seems to be a relatively rare comment / DP about the availability / geofencing of the Comenity Bread AAA cards.

After having done major hoop jumping over the past 2 days to attempt applying for the Daily version. I have given up.

I do not jump hoops to apply for a CC. Had I know in the first place there was hoop jumping involved, such as less than honest answers, I would have only done a quick check to see if I was in an available location. If I wasn't would not have wasted any more time on it.

Example keywords I would (and did) use while researching this:
Comenity Bread AAA Daily and Travel Advantage Geofenced Geofence Geofencing Geolocked states regional geographic geographical available availability application where to apply how to apply

I did finally find this comment elsewhere
"You have to enter a Zip Code from any of the following NE states: CT, MA, NH, NJ, NY & RI"

Maybe that only used to work or maybe still does and YMMV, but for me even that didn't work.

I also found some relatively recent (3 month and less) comments elsewhere describing the same that I ran in to.

Re: Bread AAA Daily and Travel Advantage Geofenced

Anonymous — Sat, 06 Jul 2024 14:27:52 GMT

Doesn't it depend on the AAA region you apply from. For example, from AAA Credit Card I AAA Visa Signature® Card I Credit Card I AAA | AAA Club Alliance

Re: Bread AAA Daily and Travel Advantage Geofenced

SouthJamaica — Sat, 06 Jul 2024 15:17:50 GMT

@Anonymous wrote:
Doesn't it depend on the AAA region you apply from. For example, from AAA Credit Card I AAA Visa Signature® Card I Credit Card I AAA | AAA Club Alliance

Agreed, my experience has been that AAA is broken down into regional groups, and certain credit products are available only to certain groups.

Re: Bread AAA Daily and Travel Advantage Geofenced

CreditCuriosity — Sat, 06 Jul 2024 15:21:51 GMT

Yes regional part of it goes to Bread and part of it goes to US Bank

Re: Bread AAA Daily and Travel Advantage Geofenced

G2244 — Sat, 06 Jul 2024 16:05:52 GMT

AAA is actually a network of auto clubs (see here https://en.wikipedia.org/wiki/American_Automobile_Association#List_of_regional_clubs). They try to do some annoying website voodoo to make it look seemless but it is not.

As noted above, "AAA" splits their credit cards between more than one card issuer. More specifically each AAA region may choose to use Bread/Comenity or US Bank which are different cards with different benefits. So it is very possible that you are not in a region using Bread/Comenity and therefore locked out. This is on AAA for not being more transparent in their marketing.

EDIT: Adding in screen shot of the US Bank version (non-Comenity). Note you can see this by going to acg.aaa.com in a Private Browser window and entering you are in GA with zip of say 30004.

Re: Bread AAA Daily and Travel Advantage Geofenced

4sallypat — Sat, 06 Jul 2024 15:29:06 GMT

I thought Comenity / Bread are the issuers of the co-branded card.

How much does AAA/Auto Club get for use of their name ?

$14K CL

Have $123 in rewards after 6 months of use.

Re: Bread AAA Daily and Travel Advantage Geofenced

NoMoreE46 — Sat, 06 Jul 2024 18:45:21 GMT

AAA Membership is regional, so the credit card is tied to that region's issuer. There are many regions ( and Issuers) of the AAA card.

Very confusing.

Re: Bread AAA Daily and Travel Advantage Geofenced

ptatohed — Sun, 07 Jul 2024 08:33:54 GMT

Just for fun, I tried a few times to apply for the AAA Travel here from CA, and I kept getting this:

Re: Bread AAA Daily and Travel Advantage Geofenced

trant3 — Sun, 07 Jul 2024 14:51:37 GMT

yeah im in the northeast and have the AAA travel version, 5% on EV charging everyday is nice.

Re: Bread AAA Daily and Travel Advantage Geofenced

4sallypat — Sun, 07 Jul 2024 15:31:01 GMT

Yes, I have Tesla charging on this card for 5%.

Don't even have a Tesla - charge my Ford at Tesla Superchargers though.

Re: Bread AAA Daily and Travel Advantage Geofenced

galahad15 — Tue, 09 Jul 2024 15:16:44 GMT

I was able to bypass the geofence, app for, and ultimately be approved for the AAA Daily Advantage by applying from a certain website address -- iirc, I believe it was AAA Credit Card I AAA Visa Signature® Card I Credit Card I AAA | AAA Club Alliance (https://cluballiance.aaa.com/money/bread-financial), although I could possibly be inadvertently misremembering the actual website that I had apped from.

Re: Bread AAA Daily and Travel Advantage Geofenced

Credit_Master — Thu, 11 Jul 2024 15:10:37 GMT

Stumbled upon this post while doing my usual MyFico forum weekly reading. I have had this card on my radar since I missed out on the Redstone card. After doing some car finance apps with the many different banking institutions I have a relationship with I figured what the heck is one more hard pull. I had saved a Reddit post about this card and how to work around the restrictions in place for the Comenity Bank (Bread Financial) issued version. Followed the steps outlined in the post (which were actually pretty simple) and waited what seemed like an eternity expecting a denial. To say I was elated by the results is an understatement. Got an instant approval for what I consider a reasonable starting limit and now waiting 10-14 business days for the card to arrive in the mail.

I like that they gave me the option to add the card to digital wallets for use right away and they also issued me a temporary card number, expiration date, and security code to use as well until the physical card arrives. I can't wait to start using this card and see how it goes with it's reward structure.

https://www.reddit.com/r/CreditCards/comments/16kbskb/repost_aaa_advantage_links/

Credit_Master

Re: Bread AAA Daily and Travel Advantage Geofenced

galahad15 — Fri, 12 Jul 2024 17:53:53 GMT

Cogratulations on your approval @Credit_Master!

Re: Bread AAA Daily and Travel Advantage Geofenced

Credit_Master — Sat, 13 Jul 2024 03:40:08 GMT

@galahad15 wrote:
Cogratulations on your approval @Credit_Master!

Thank you!