topic Re: Comenity Bank AAA Signature Visa Credit Card in Credit Cards

Comenity Bank AAA Signature Visa Credit Card

AndySoCal — Fri, 17 Apr 2026 18:31:48 GMT

Does this card require AAA membership? Currently I am not a AAA member. My AI search says no but AI can give wrong info.

Does Comemity Bank report the actual payment amount to the credit bureau. On annual credit report.com credit report you find this amount in the balance histories.

Thank you for your help

Re: Comenity Bank AAA Signature Visa Credit Card

DakotaM — Fri, 17 Apr 2026 19:04:20 GMT

You definitely don't need to be a AAA member. I wasn't a member when I got mine.

Re: Comenity Bank AAA Signature Visa Credit Card

DeeBee78 — Fri, 17 Apr 2026 20:22:05 GMT

No, just like with Chase's old AARP Visa. You didn't have to be an AARP member to get it.

Re: Comenity Bank AAA Signature Visa Credit Card

ElvisCaprice — Sat, 18 Apr 2026 04:45:43 GMT

For those considering this card, you might want to give the preapp a go with no risk. If preapproved they will give you an SL and all you will need to do is accept. Can't remember who they hard pull. To gain access to the preapp you only need to sign up for an online access to the AAA. No membership necessary. But they will in the preapp ask if your a member. Just say YES, they don't check.

Luckily for myself, when I was preapproved, I tried to get cute and locked down my credit reports before accepting, so as to see if I could avoid a HP. Didn't work and the next day it was reported that the AAA card will be nerfed on May 15th. No more elevated bonus for Walmart/Target or convenience stores. Thus I dropped the notion that I wanted this CC, it's Comenity, barely one notch above Synchrony. I really only wanted it for Walmart. So I got the US Bank Shoppers Rewards Card instead. Much better for SUB and 6% on Walmart, choices on PC after one year and other ways to avoid the AF. Already have a general 3% CC for Costco, etc. Have a CCC for other grocery stores, non warehouse or wholesale.

Re: Comenity Bank AAA Signature Visa Credit Card

Follower — Sat, 18 Apr 2026 12:47:00 GMT

I see that you have a Walmart card in your sig, so @ElvisCaprice's reservations about the recent superstore nerfing may not matter to you. (They certainly don't to me, since I don't visit many convenience stores and I haven't set foot in a Walmart in probably ten years.)

I just looked at Experian's listing in BoA's MyCredit and the most recent payment is listed.

I love the card and use about $8K or so of the yearly $10K cap on 5% grocery cash back.

Re: Comenity Bank AAA Signature Visa Credit Card

bs1234 — Sat, 18 Apr 2026 17:00:42 GMT

@ElvisCaprice wrote:
But they will in the preapp ask if your a member. Just say YES, they don't check.

This is PROBABLY OK, but in the current and potentially future environments, be careful if "YOU LIED ON A CREDIT APPLICATION" could come back to haunt you (e.g non-citizen, or aspiring for high political office). You, or rather your expensive lawyer, could probably argue that this is not a material misrepresentation, but the risk may not be worth the reward.....

Re: Comenity Bank AAA Signature Visa Credit Card

ElvisCaprice — Sat, 18 Apr 2026 17:33:01 GMT

@bs1234 wrote:
@ElvisCaprice wrote:
But they will in the preapp ask if your a member. Just say YES, they don't check.

This is PROBABLY OK, but in the current and potentially future environments, be careful if "YOU LIED ON A CREDIT APPLICATION" could come back to haunt you (e.g non-citizen, or aspiring for high political office). You, or rather your expensive lawyer, could probably argue that this is not a material misrepresentation, but the risk may not be worth the reward.....

Really rich to give this warning in a day and age where our highest officials of the land are grifting/robbing the taxpayers coffers, openly. But I get where your coming from on a personal level.

Re: Comenity Bank AAA Signature Visa Credit Card

AndySoCal — Sat, 18 Apr 2026 18:54:04 GMT

@Follower Thank you for actual payment amount being reported. My primary grocer is Walmart and I am a Walmart+ customer as well. I have my grociers delivered with Walmart+ delivery orders of $35.00 or more is free. Walmart+ costs $98 per delivery fee is $9.95 and I have 20 delivery orders a year. Also Walmart pricing versus the local grocery store is better. All that said I use grocery rewards credit cards for what Walmart does not carry and produce I prefer to pick my own.

With Custom Cash it is either 5% or 1% cash back. With cards like AAA Signature Visa you have multiple catagories for rewards other cards do not have a 5% catagory.

i also have read posts about Comenity Bank and their customer service etc. As long as I can pay the bill each month using bill pay I am good.

Re: Comenity Bank AAA Signature Visa Credit Card

ElvisCaprice — Sat, 18 Apr 2026 19:24:28 GMT

@AndySoCal wrote:
@Follower Thank you for actual payment amount being reported. My primary grocer is Walmart and I am a Walmart+ customer as well. I have my grociers delivered with Walmart+ delivery orders of $35.00 or more is free. Walmart+ costs $98 per delivery fee is $9.95 and I have 20 delivery orders a year. Also Walmart pricing versus the local grocery store is better. All that said I use grocery rewards credit cards for what Walmart does not carry and produce I prefer to pick my own.
With Custom Cash it is either 5% or 1% cash back. With cards like AAA Signature Visa you have multiple catagories for rewards other cards do not have a 5% catagory.

If you have a Sync One Pay Walmart Rewards CC, and a Citi CC, why would you want a AAA? Just get a 3% catch all card and another CCC if needed? Then the AAA offers nothing more. The only reason you would get a AAA, in your case, is because you exceed the 5% cap on the CCC's for groceries, non warehouse or wholesale. But again the solution is just more CCC's.

Re: Comenity Bank AAA Signature Visa Credit Card

AndySoCal — Sat, 18 Apr 2026 20:38:24 GMT

@ElvisCaprice @At this point in time I have not restored the spend on the Customer Cash. This will be about 60 to 90 days with zero spend on the card. From my reading Citi usually does nothing until 2 years with no spend but can act without warning.

At this point in time the Comenity card is a just in case card.

Re: Comenity Bank AAA Signature Visa Credit Card

ElvisCaprice — Sat, 18 Apr 2026 21:17:50 GMT

@AndySoCal wrote:
@ElvisCaprice @At this point in time I have not restored the spend on the Customer Cash. This will be about 60 to 90 days with zero spend on the card. From my reading Citi usually does nothing until 2 years with no spend but can act without warning.
At this point in time the Comenity card is a just in case card.

Hi Andy, so your doing a balance transfer or one of the 0% offers to carry a balance on your CCC? So no spend until you pay it off?

Just get the Citi DC, spend for the SUB, then immediately PC it to another CCC. Is what I did for a second CCC, many other DP's confirm this fast PC option. Agree, never hurts to have a backup.

Re: Comenity Bank AAA Signature Visa Credit Card

AndySoCal — Sun, 19 Apr 2026 00:21:23 GMT

@ElvisCaprice Background a couple of months ago in the form of dispute I asked Citi to add actual payment amount to their reporting. During the dispute I off loaded the spending on Customer Cash. During that process they put the account in dispute okay fine. Usually when the creditor completes the dispute the dispute remark is removed. The letter I received stated the dispute would remain and I could add the reason. I formally closed the dispute with Citi. Citi stated at the end March they would have the dispute comment removed okay fine. If you more details the dispute is on the forum.

Since my credit profile is unique in the sense that CIti is the only credit card I have that does not report the actual payment amount. So I decided to do some testing. I want to see if Citi reporting a zero balance and my other cards reporting as usual if that changes anything on the FICO10T scores. I suspect the answer will be no. I have the Myfico scores for all the models in December of 2025 from MyFico and I have the scores as of today. The Equifax score on multiple models is down about 5 points. The reason is One Pay Walmart pulled Equifax. The other bureaus are up. I want to give this another 3 months to if anything changes. Also One Pay reports the TU 4.0 Vamtage score I am also interested in as well in regards to score change if any.

Re: Comenity Bank AAA Signature Visa Credit Card

bs1234 — Sun, 19 Apr 2026 11:45:26 GMT

@ElvisCaprice wrote:
@bs1234 wrote:
@ElvisCaprice wrote:
But they will in the preapp ask if your a member. Just say YES, they don't check.

This is PROBABLY OK, but in the current and potentially future environments, be careful if "YOU LIED ON A CREDIT APPLICATION" could come back to haunt you (e.g non-citizen, or aspiring for high political office). You, or rather your expensive lawyer, could probably argue that this is not a material misrepresentation, but the risk may not be worth the reward.....
Really rich to give this warning in a day and age where our highest officials of the land are grifting/robbing the taxpayers coffers, openly. But I get where your coming from on a personal level.

Right, but you would have to have really have missed the memo to assume what's OK for them to do means you can do (much less!) it too!

Re: Comenity Bank AAA Signature Visa Credit Card

ElvisCaprice — Sun, 19 Apr 2026 23:42:31 GMT

@bs1234 wrote:
@ElvisCaprice wrote:
@bs1234 wrote:
@ElvisCaprice wrote:
But they will in the preapp ask if your a member. Just say YES, they don't check.

This is PROBABLY OK, but in the current and potentially future environments, be careful if "YOU LIED ON A CREDIT APPLICATION" could come back to haunt you (e.g non-citizen, or aspiring for high political office). You, or rather your expensive lawyer, could probably argue that this is not a material misrepresentation, but the risk may not be worth the reward.....
Really rich to give this warning in a day and age where our highest officials of the land are grifting/robbing the taxpayers coffers, openly. But I get where your coming from on a personal level.
Right, but you would have to have really have missed the memo to assume what's OK for them to do means you can do (much less!) it too!

Memo? You mean the one that says their are two sets of rules? One for the wealthy and powerful, NONE. And bible pounding morals, laws, for the rest? Oh, I got the memo, alright. And anyone who tries to preach to me, can go pound sand somewhere else. Hopefully starting with wealthy and powerful.

Re: Comenity Bank AAA Signature Visa Credit Card

crystal626 — Mon, 20 Apr 2026 00:29:53 GMT

@bs1234 wrote:
@ElvisCaprice wrote:
But they will in the preapp ask if your a member. Just say YES, they don't check.

This is PROBABLY OK, but in the current and potentially future environments, be careful if "YOU LIED ON A CREDIT APPLICATION" could come back to haunt you (e.g non-citizen, or aspiring for high political office). You, or rather your expensive lawyer, could probably argue that this is not a material misrepresentation, but the risk may not be worth the reward.....

Only really matters if you file for bankruptcy and even then, they would have to prove that your filing for bankruptcy wouldn't have happened if you didn't lie on this part. There has to be proof that you intentionally defrauded the creditor here, not that you made a simple mistake that anyone could have done while clicking through an application. Saying you make $120K when you make $14K, there's no way that's a typo, that's intentional. Saying you're a AAA member when you're not, absolutely believable that you could have made a mistake as you're clicking a box, not entering it manually.

Re: Comenity Bank AAA Signature Visa Credit Card

AndySoCal — Mon, 20 Apr 2026 01:48:39 GMT

Regarding AAA membership is or is not required to apply for the credit card. It is amazing what I could have learned if I had scrolled down to the FAQ section and read the answer to question 1. See link below

https://finance.aaa.com/credit-card

Re: Comenity Bank AAA Signature Visa Credit Card

bs1234 — Mon, 20 Apr 2026 13:27:01 GMT

@crystal626 wrote:
@bs1234 wrote:
@ElvisCaprice wrote:
But they will in the preapp ask if your a member. Just say YES, they don't check.

This is PROBABLY OK, but in the current and potentially future environments, be careful if "YOU LIED ON A CREDIT APPLICATION" could come back to haunt you (e.g non-citizen, or aspiring for high political office). You, or rather your expensive lawyer, could probably argue that this is not a material misrepresentation, but the risk may not be worth the reward.....
Only really matters if you file for bankruptcy and even then, they would have to prove that your filing for bankruptcy wouldn't have happened if you didn't lie on this part. There has to be proof that you intentionally defrauded the creditor here, not that you made a simple mistake that anyone could have done while clicking through an application. Saying you make $120K when you make $14K, there's no way that's a typo, that's intentional. Saying you're a AAA member when you're not, absolutely believable that you could have made a mistake as you're clicking a box, not entering it manually.

You are right for the criminal due process case (so I shouldn't have mentioned the lawyer). But facing USCIS (lied, so bad moral character) or a political attack on those opposed to your nomination as [high office here].... "She/he EITHER DELIBERATELY LIED OR IS TOO INCOMPETENT TO FILL OUT A SIMPLE FORM!!!. Is this the sort of person we want as [high office here]???"

But unlikely to cause trouble for most, especially as it is not needed to get the card!