Re: AAA Rewards Visa's moving from BoA to Comenity

gdale6 · ‎08-25-2022

Seems the benes posted in this thread is for current card holders, it will be less generous for new applicants. I see nothing worth apping for at this point.

Rewards: How It Works

Shop for all your everyday favorites and essentials with the AAA Preferred Rewards Visa® Credit Card. You’ll earn unlimited 1.5% cash back on credit card purchases, making it your go-to credit card. You can redeem rewards as a statement credit applied to your account balance. Cash back is paid as a statement credit.4

AAA Preferred Rewards Visa Credit Card

When you use your AAA Preferred Rewards Visa® Credit Card

$100	Spend $500 or more within 90 days of opening your account.2 Paid as a statement credit.
3%	cash back on categories that rotate quarterly. Paid as a statement credit.3
1.5%	1.5% Cash Back on credit card purchases.4 Paid as a statement credit.
No Fees	No annual or foreign transaction fees5

UncleB · ‎08-25-2022

@gdale6 wrote:
Seems the benes posted in this thread is for current card holders, it will be less generous for new applicants. I see nothing worth apping for at this point.

Rewards: How It Works
Shop for all your everyday favorites and essentials with the AAA Preferred Rewards Visa® Credit Card. You’ll earn unlimited 1.5% cash back on credit card purchases, making it your go-to credit card. You can redeem rewards as a statement credit applied to your account balance. Cash back is paid as a statement credit.4
AAA Preferred Rewards Visa Credit Card

When you use your AAA Preferred Rewards Visa® Credit Card
$100
Spend $500 or more within 90 days of opening your account.2 Paid as a statement credit.
3%
cash back on categories that rotate quarterly. Paid as a statement credit.3
1.5%
1.5% Cash Back on credit card purchases.4 Paid as a statement credit.
No Fees
No annual or foreign transaction fees5

I'm hopeful that the new card isn't the same as this one... the new one is called the "AAA Travel Advantage Visa" and this one is the "AAA Preferred Rewards Visa."

It's really confusing... there are so many versions of the AAA card (Visa and MasterCard) by various banks it's enough to make one's head spin. AAA is a consortium of "clubs" that are affiliated with each other so I guess they all just do their own thing, at least to a point.

Bill77 · ‎08-25-2022

If all that is available to me is the 1.5% version, I would consider this DOA. Hopefully my local AAA affiliate region gets a better option.

UncleB · ‎08-25-2022

@Bill77 wrote:
If all that is available to me is the 1.5% version, I would consider this DOA. Hopefully my local AAA affiliate region gets a better option.

If your local club now offers (or rather, offered) the Bank of America version you should be good - that's what the new card is replacing.

My local club offered the BoA version, and now all apps are pulled... you can't app for anything.

Interestingly, I can get to the app for the U.S. Bank version fairly easily (private browser, enter GA ZIP code), but to get to the BoA version offered by my local club required a AAA login.

ptatohed · ‎08-25-2022

I saw this on D of C.

https://www.doctorofcredit.com/aaa-credit-card-transitioning-from-bank-of-america-to-comenity-new-re...

[Until I can make a pretty signature, here’s an updated draft]

Everyday 5% CB:
Chase prime Visa // citi CUSTOM CASH “A” // citi CUSTOM CASH “B” // citi SHOP YOUR WAY (5% gas (in points), lucrative spending offers) // mylowe’s Rewards // Target circle card // primis Perks debit Visa (50c CB per transaction (5% CB or more up to $10 spend))

5% CB rotating:
Chase “OG” freedom Visa // DISCOVER it Cash Back // nusenda CU Platinum Cash Rewards

Everyday 4% CB:
US Bank Smartly (v1.0)

Everyday 3% / 2.2% CB:
AOD FCU Visa Signature (3%, sockdrawered) // upgrade Cash Rewards Elite (2.2%, sockdrawered)

Welcome Offer / credits only:
Chase SAPPHIRE PREFFERED (grabbed my $1,000, sockdrawered, will cancel) // NFCU FLAGSHIP REWARDS (elevated Welcome Offer, annual prime credit, sockdrawered)

Hotel card:
Chase IHG ONE REWARDS PREMIER (elevated Welcome Offer, 1 free night/yr)

On my radar:
Langely FCU Signature Cash Back (5% CB monthly selectable cat) // Safe CU Cash Back+ (Quarterly rotating 5% CB cats plus bonus cats) // upgrade MyFive Cash Rewards (5% CB monthly selectable cat) // US Bank Kroger (and family) World Elite Master Card(s) (5% CB Mobile Wallet)

PullingMeSoftly · ‎08-25-2022

The landing page for their current card has pretty direct language about the transition to the new AAA Travel Advantage:

The $7k cap on gas spend ($350 back/calendar year) is not bad at all, and the fact that redemption options include direct deposit is good stuff. This is a legit contender that has given me reason to pause my planned Abound platinum app.

Chase Sapphire Reserve Visa Infinite │ $35,000

Chase Freedom Visa Sig │ $28,700 │ 5% rotator

Chase United Club Visa Infinite │ $35,000

Bank of America Alaska Airlines Visa Sig │ $30,000

US Bank Altitude Reserve Visa Infinite │ $20,000 │ 4.5x mobile wallet...our time was too short, RIP

US Bank Altitude Go Visa Sig │ $25,000 │ 4x dining │ no FTF

US Bank Cash+ Visa Sig │ $25,000 │ 5% selectable rotator

Elan Financial Services/US Bank Fidelity Rewards Visa Sig │ $25,000

Citi Costco Anywhere Visa Sig │ $26,500 │ 5% Costco gas │ 4% gas

Citi Custom Cash MC │ $29,800 │ 5% selectable rotator

Citi Custom Cash MC │ $18,000 │ 5% selectable rotator

BMO Cash Back MC │ $15,000 │ 5% streaming

Barclays Banana Republic Rewards World MC │ $20,000 │ 5x Banana-Gap-Old Navy-Athleta

Provident CU Cash Back Visa Sig │ $25,000

NFCU Flagship Rewards Visa Sig │ $80,000

PenFed Platinum Rewards Visa Sig │ $12,000 │ 5x gas

PenFed Power Cash Rewards Visa Sig │ $36,200

AOD FCU Visa Sig │ $25,000 │ 3% everything

Affinity FCU Cash Rewards Visa Sig │ $25,000 │ 5% Amazon

Nusenda CU Platinum Cash Rewards Visa │ $25,000 │ 5% rotator

Safe CU Cash Back Visa │ $25,000 │ 5% selectable rotator

Vantage West CU Connect Rewards Visa Sig │ $25,000 │ RIP 5x...to the sockdrawer

Langley FCU Signature Cash Back Visa │ $25,000 │ 5% selectable rotator

ptatohed · ‎08-25-2022

@PullingMeSoftly wrote:
The landing page for their current card has pretty direct language about the transition to the new AAA Travel Advantage:

The $7k cap in gas spend ($350 back/calendar yar) is not bad at all, and the fact that redemption options include direct deposit is good stuff. This is a legit contender that has given me reason to pause my planned Abound platinum app.

I completely agree. I am thinking hard about this card. In my attempt to get 5% gas year round, I recently got the Shop Your Way Mastercard but that isn't true cash back. It's close when I redeem for, say, WalMart gift cards but then, because I am not using my 3% AOD for that WalMart purchase, it's really only 4.85% CB. Right now the AAA's 3% CB on groce, rests, travel, and AAA doesn't mean much because I still have AOD. But if/when AOD scales down their rewards, this AAA starts to shine even brighter.

[Until I can make a pretty signature, here’s an updated draft]

Everyday 5% CB:
Chase prime Visa // citi CUSTOM CASH “A” // citi CUSTOM CASH “B” // citi SHOP YOUR WAY (5% gas (in points), lucrative spending offers) // mylowe’s Rewards // Target circle card // primis Perks debit Visa (50c CB per transaction (5% CB or more up to $10 spend))

5% CB rotating:
Chase “OG” freedom Visa // DISCOVER it Cash Back // nusenda CU Platinum Cash Rewards

Everyday 4% CB:
US Bank Smartly (v1.0)

Everyday 3% / 2.2% CB:
AOD FCU Visa Signature (3%, sockdrawered) // upgrade Cash Rewards Elite (2.2%, sockdrawered)

Welcome Offer / credits only:
Chase SAPPHIRE PREFFERED (grabbed my $1,000, sockdrawered, will cancel) // NFCU FLAGSHIP REWARDS (elevated Welcome Offer, annual prime credit, sockdrawered)

Hotel card:
Chase IHG ONE REWARDS PREMIER (elevated Welcome Offer, 1 free night/yr)

On my radar:
Langely FCU Signature Cash Back (5% CB monthly selectable cat) // Safe CU Cash Back+ (Quarterly rotating 5% CB cats plus bonus cats) // upgrade MyFive Cash Rewards (5% CB monthly selectable cat) // US Bank Kroger (and family) World Elite Master Card(s) (5% CB Mobile Wallet)

Bill77 · ‎08-25-2022

@UncleB wrote:
@ptatohed wrote:
Wow, that's an amazing new rewards structure. You guys seriously spend more than $7,000 per year in gas? $1,750 per quarter? I think that is more than generous. That's a great 5% / 3% CB structure IMHO.
I was wondering about that as well, since it's the same spend limit as the Costco Visa but at a higher percentage cash back (5% vs. 4%). Perhaps folks are reading "up to $350 back per year" as $350 being the total amount of gas eligible for the discount? 🤷‍♂️

Anyway, once you add in 3% back on groceries, travel, and dining this is really competitive. It'll be a great option for many who have AAA and live in a region previously served by the BoA Visa.

Yep I made that reading comprehension mistake earlier re: $350. Lol. I have this card on my list anyway but it's all that much better because I don't spend more than $7000 on gas in a year

ptatohed · ‎08-25-2022

Oh no, need I be worried I won't be able to apply for the new 5%/3% card?

[Until I can make a pretty signature, here’s an updated draft]

Everyday 5% CB:
Chase prime Visa // citi CUSTOM CASH “A” // citi CUSTOM CASH “B” // citi SHOP YOUR WAY (5% gas (in points), lucrative spending offers) // mylowe’s Rewards // Target circle card // primis Perks debit Visa (50c CB per transaction (5% CB or more up to $10 spend))

5% CB rotating:
Chase “OG” freedom Visa // DISCOVER it Cash Back // nusenda CU Platinum Cash Rewards

Everyday 4% CB:
US Bank Smartly (v1.0)

Everyday 3% / 2.2% CB:
AOD FCU Visa Signature (3%, sockdrawered) // upgrade Cash Rewards Elite (2.2%, sockdrawered)

Welcome Offer / credits only:
Chase SAPPHIRE PREFFERED (grabbed my $1,000, sockdrawered, will cancel) // NFCU FLAGSHIP REWARDS (elevated Welcome Offer, annual prime credit, sockdrawered)

Hotel card:
Chase IHG ONE REWARDS PREMIER (elevated Welcome Offer, 1 free night/yr)

On my radar:
Langely FCU Signature Cash Back (5% CB monthly selectable cat) // Safe CU Cash Back+ (Quarterly rotating 5% CB cats plus bonus cats) // upgrade MyFive Cash Rewards (5% CB monthly selectable cat) // US Bank Kroger (and family) World Elite Master Card(s) (5% CB Mobile Wallet)

UncleB · ‎08-25-2022

@ptatohed wrote:
Oh no, need I be worried I won't be able to apply for the new 5%/3% card?

Nah, that just means you're trying to view the site for the wrong auto club. I get that same message when I enter my ZIP on a club site that's a mismatch for my ZIP. (They really need to work on that, IMO.)

To get back to your 'home' club, scroll all the way to the bottom and there's a link for "Find a different AAA club." Alternatively, this link might work: Find your AAA Club.

As long as your home club previously offered the BoA AAA Visa card, you should be golden.

I got lucky; I'm in Georgia, but my AAA membership is still in Alabama (I never got around to transferring it). The auto club that serves Georgia (and several other states) offers the U.S. Bank version of the card, while the Alabama auto club offered the BoA version.

AAA Rewards Visa's moving from BoA to Comenity

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Rewards: How It Works