No requirement to be a AAA member. The 5% on groceries is really good! The only issue I've come across is that redeeming cashback requires a statement balance, so that's annoying if you tend to pay ahead of the statement cutting.
@1lifeisworthit wrote:Does anyone know this card?
I'm sorry, I can't seem to figure out how to make a nice clean link, My ignorance, but I can't make it work out.
I'm asking if anyone has any knowledge of any problems, or requirements that don't seem to stand out. I'm interested, but don't want to unthaw my reports and get a hard pull for something that isn't a good product.
I'm not a AAA member, and don't have any interest in becoming one. But I don't see where that's a requirement. Maybe I'm just missing it?
it's not a requirement to be triple A.
if you're in the wrong zip code, hitting apply will send you to a page where it's for some crappy 3-2-1 card, you'll need to finagle with the link to get to the right card
it's capped at like 10k spend per year on the elevated categories
it's ran by comenity bank, which isn't ideal.
if you're adverse to that, stick with a BCP/Savor/Gold etc.
I use the card for all my groceries (and also gas) and haven't had any problems at all with it.
@UncleB wrote:
@DakotaM wrote:No requirement to be a AAA member. The 5% on groceries is really good! The only issue I've come across is that redeeming cashback requires a statement balance, so that's annoying if you tend to pay ahead of the statement cutting.
@DakotaM this may (???) have changed... I don't have the card myself, but it's been recently reported that they now allow redemption by direct deposit.
I'm thinking redemption by DD might not require a statement balance? In any case it might be worth a look.
Yes, they now allow direct deposit in addition to statement credit. (I can't speak about the statement balance issue because I always float and thus generate statement balances.) Also, I usually get the option to redeem the rewards by the next day, even if the generating transaction is still listed as pending — something I don't think happens with any of my other cards.
Hi @1lifeisworthit, I have this card and others have accurately detailed some paticulars. I want to add the following for earnings:
* 5% cash back on grocery store purchases.
* 3% cash back on gas and electric vehicle-charging stations, wholesale clubs (Costco, Sams & BJs), streaming services, pharmacy, and purchases at AAA.
* 1% cash back on all other purchases.
* Combined earn of 5% cash back on grocery store and 3% cash back on wholesale club/gas & electric vehicle-charging purchases on the first $10,000 spent in a calendar year ($833/month), then 1% thereafter.
For me, 5% at grocery stores include Whole Foods, Walmart In-Store Only (ymmv) and Trader Joes, in addition to all my local/regional grocery stores. The 3% at gas stations, pharmacies, wholesale clubs and my AAA membership renewals works as advertised. 
RIP: 
