topic Re: AAA Visa Signature vs Citi-Costco in Credit Cards

AAA Visa Signature vs Citi-Costco

Gmoney144 — Fri, 27 Jun 2025 08:26:47 GMT

AAA Visa gives 3% back on purchases (not gas related) at Costco. Citi-Costco give 2% back. Would it be better to use the AAA visa then the Citi-Costco?

Re: AAA Visa Signature vs Citi-Costco

ElvisCaprice — Fri, 27 Jun 2025 08:47:45 GMT

No, best to use Paypal debit with groceries category for 5%, Citi Costco for fuel 5%.

LOL, would you rather.

Re: AAA Visa Signature vs Citi-Costco

pizzadude — Fri, 27 Jun 2025 13:35:10 GMT

What's your annual spend at Costco? Multiply by .01 and that's the difference.

AAA has $10K annual cap on grocery store / wholesale so you'd want to stay under that.

Re: AAA Visa Signature vs Citi-Costco

Varsity_Lu — Fri, 27 Jun 2025 13:40:21 GMT

AAA is 1% better. It also comes with multiple elevated categories that can be used multiple places. Pretty good card other than it's from Comenity.

I disagree with the PayPal debit opinion. PayPal just sucks. I know I am just one person and my experience with PayPal may be different than others, but I have had such terrible experience with it that I have deleted my account completely. I only had it because back in the day you HAD to have it in order to use ebay. But it has overstayed it's welcome.

Re: AAA Visa Signature vs Citi-Costco

dfwxjer — Fri, 27 Jun 2025 13:46:37 GMT

@Varsity_Lu wrote:
AAA is 1% better. It also comes with multiple elevated categories that can be used multiple places. Pretty good card other than it's from Comenity.

I disagree with the PayPal debit opinion. PayPal just sucks. I know I am just one person and my experience with PayPal may be different than others, but I have had such terrible experience with it that I have deleted my account completely. I only had it because back in the day you HAD to have it in order to use ebay. But it has overstayed it's welcome.

100% agree. I refuse to rely on PayPal for any normal spending. I add Comenity to that bucket as well.

Re: AAA Visa Signature vs Citi-Costco

ElvisCaprice — Fri, 27 Jun 2025 15:15:16 GMT

Paypal debit works great for me. The fewer that use it, means it may endure, which is just fine in my book. Plus I keep adding that $105 a month in rewards for debit transactions, most via paypal, not costing me a cent. Gotta love it.

Re: AAA Visa Signature vs Citi-Costco

Varsity_Lu — Fri, 27 Jun 2025 15:39:47 GMT

@ElvisCaprice wrote:
Paypal debit works great for me. The fewer that use it, means it may endure, which is just fine in my book. Plus I keep adding that $105 a month in rewards for debit transactions, most via paypal, not costing me a cent. Gotta love it.

$105? That's like over $2100 in groceries a month. I thought I spent a lot.

I glad it works for you. My wife and I are getting 6% with BCP, so I am happy with that. Playing the downgrade upgrade game to avoid the AF. We are on year 2 and should get another year AF free as long as they continue to offer us upgrades from BCE to BCP. If that ever changes we'll probably get the AAA Daily.

Re: AAA Visa Signature vs Citi-Costco

Follower — Sat, 28 Jun 2025 07:33:57 GMT

I also use and like the AAA Daily Advantage Visa, since my grocery spend is nowhere near the heavy hitters here.

Re: AAA Visa Signature vs Citi-Costco

ElvisCaprice — Sat, 28 Jun 2025 09:04:46 GMT

@Varsity_Lu wrote:
@ElvisCaprice wrote:
Paypal debit works great for me. The fewer that use it, means it may endure, which is just fine in my book. Plus I keep adding that $105 a month in rewards for debit transactions, most via paypal, not costing me a cent. Gotta love it.
$105? That's like over $2100 in groceries a month. I thought I spent a lot.

I glad it works for you. My wife and I are getting 6% with BCP, so I am happy with that. Playing the downgrade upgrade game to avoid the AF. We are on year 2 and should get another year AF free as long as they continue to offer us upgrades from BCE to BCP. If that ever changes we'll probably get the AAA Daily.

No, external debit cards, moving cash, via paypal/cash app, get's me $105 per month.

Best debit card for paying down a credit card - myFICO® Forums - 6742801

BCP doesn't get 6% in Costco or Walmart. Which is the bulk of my shopping. Thus it's not worth it for this cat. Better cards to serve my needs. Might tap it for the SUB someday, but for now I have plenty of cards I can tap for better SUB and use afterwards. Plus AMEX cards don't work in financing any new checking accounts.

Re: AAA Visa Signature vs Citi-Costco

unsungivy — Sun, 29 Jun 2025 12:46:25 GMT

@Varsity_Lu wrote:
AAA is 1% better. It also comes with multiple elevated categories that can be used multiple places. Pretty good card other than it's from Comenity.

I disagree with the PayPal debit opinion. PayPal just sucks. I know I am just one person and my experience with PayPal may be different than others, but I have had such terrible experience with it that I have deleted my account completely. I only had it because back in the day you HAD to have it in order to use ebay. But it has overstayed it's welcome.

It does seem like you're the only person who was unable to get the PayPal Debit to work, Lu. For everyone else it's the golden ticket, so I guess it's a YMMV.

The BCP is only good for Supermarkets, which my weekly CookUnity delivery doesn't count as. PayPal debit covers that, with me paying it off with a. 1% debit card making it 6% as well.

I currently have the BCP after accepting a good upgrade offer last year, and will either downgrade it when the AF hits or leave it for a second year so as not to piss off AmEx, depending on if I'm in PuJ when I apply for the Brilliant next month.

As to the OP's question, if you're just keeping to those two cardsbas your options, I'd go with the AAA. But that's because I'm not a fan of the Costco card.

But between the two, it's Comenity vs Citi. And the Costco card can be used as your Costco ID as well.

Re: AAA Visa Signature vs Citi-Costco

Varsity_Lu — Sun, 29 Jun 2025 16:45:11 GMT

@unsungivy wrote:

It does seem like you're the only person who was unable to get the PayPal Debit to work, Lu. For everyone else it's the golden ticket, so I guess it's a YMMV.

There are others that have also had problems, but I'm the most vocal and disgruntled. I'll shut up about PayPal debit from now on. 😉

Re: AAA Visa Signature vs Citi-Costco

UncleB — Wed, 02 Jul 2025 00:59:05 GMT

@Varsity_Lu wrote:
@unsungivy wrote:

It does seem like you're the only person who was unable to get the PayPal Debit to work, Lu. For everyone else it's the golden ticket, so I guess it's a YMMV.
There are others that have also had problems, but I'm the most vocal and disgruntled. I'll shut up about PayPal debit from now on. 😉

No need to shut up about real problems you're encountering... IMO there's value in hearing about all experiences even - and especially - when they don't match our own.

I do hate that you had such trouble with it, though. So far it's worked well for me. ¯\_(ツ)_/¯

Re: AAA Visa Signature vs Citi-Costco

unsungivy — Wed, 02 Jul 2025 12:17:06 GMT

@Varsity_Lu wrote:
@unsungivy wrote:

It does seem like you're the only person who was unable to get the PayPal Debit to work, Lu. For everyone else it's the golden ticket, so I guess it's a YMMV.
There are others that have also had problems, but I'm the most vocal and disgruntled. I'll shut up about PayPal debit from now on. 😉

Pointing out that it doesn't work for everyone is good, because people need to know THEY could also run into issues... but maybe don't keep saying it flat out sucks or is a terrible, horrible, very bad thing 😂 Especially since trying for themselves will cost them literally nothing (no hard pulls, no AFs).

Re: AAA Visa Signature vs Citi-Costco

ElvisCaprice — Wed, 02 Jul 2025 22:18:51 GMT

Closed my Citi Costco today since I have not used it in over a year. Dead weight, I'm not an advocate of retaining CL or non use cards. PC or close them.