The AAA Daily Advantage Visa Signature® Credit Card is an often-overlooked $0 annual fee credit card that provides excellent rewards on groceries, gas, wholesale clubs, and pharmacies. You don’t need to be a AAA member to get the card and for someone looking for cash back rewards, the card is an excellent choice.
AAA Daily Advantage Visa Signature® Credit Card at a glance
The AAA Daily Advantage Visa Signature® Credit Card doesn’t get talked about much, but it offers strong cash back rewards in several useful categories, including grocery stores, gas, wholesale clubs, streaming services, and pharmacies.
AAA Daily Advantage Visa Signature® Credit Card welcome offer
Welcome offer: Receive a $100 statement credit after you spend $1,000 on your card in the first 90 days of account opening.
This bonus is awarded as a statement credit.
Annual fee: $0
Rewards
After earning $500 cash back in the following categories in a calendar year, you will earn 1% cash back in these categories for the remainder of the calendar year:
- 5% on grocery store purchases.
- 3% at gas stations.
- 3% at wholesale clubs.
These categories are not subject to reward caps:
- 3% on electric vehicle charging.
- 3% on pharmacy purchases.
- 3% on AAA purchases.
- 1% on other purchases.
Rewards are earned as cash back.
Benefits
The AAA Daily Advantage Visa Signature® Credit Card does not have any benefits of note.
Rates and fees
- Annual fee: $0
- Foreign transaction fee: 0%
Our quick take on the AAA Daily Advantage Visa Signature® Credit Card
Cards and Points Rating:
About our star ratings.
If you want cash back, the AAA Daily Advantage Visa Signature® Credit Card is a great choice. It offers some of the best rewards at grocery stores, gas stations, wholesale clubs, pharmacies, and (of course) AAA purchases. The card has no annual fee and you don’t need to be a AAA member to get this card.
The card earns 5% cash back rewards on groceries and 3% cash back rewards in its other bonus categories. Once you earn $500 of cash back in a calendar year across the card’s bonus categories, the bonus category rewards revert to 1%.
But for most families, we don’t see that as an issue—if you used the card exclusively for groceries, you’d have to spend north of $800 a month before you hit the rewards cap. (And if you do spend more than that, check our our article on the best credit cards for groceries to find additional cards you can use to juice your grocery store rewards.)
It’s striking that this card is absent from the “best cards for…” lists on most major sites. It’s clearly among the best cards in every one of its bonus categories. (Although that’s unsurprising, since Bread Financial doesn’t pay affiliate commissions like other cards do.) Frankly, we think that sites ignoring this card is doing their readers a disservice.
If we had one wish to make the Daily Advantage card better it would be to include some sort of consumer insurance benefits. We’d like basic extended warranty and purchase protection—two benefits that many no annual fee cards have.
The bottom line on the AAA Daily Advantage card is that it’s a great card to get for most people who want cash back rewards.
Pros
- 5% rewards on groceries.
- 3% rewards in several useful categories.
- Cash back rewards.
- No annual fee.
Cons
- No basic consumer insurance benefits.
- After $500 in rewards in bonus categories, rewards revert to 1% for the rest of the calendar year.
Using the Daily Advantage card for spending
The optimal way to use the Daily Advantage card for spending is to focus on maximizing the card’s rewards cap. After you’ve earned $500 in cash back in a calendar year from grocery store purchases, gas stations, and wholesale clubs, you’ll earn 1% on these purchases for the remainder of the year. At that point you’ll probably want to switch this spending to different cards.
Here are our recommendations for using the Daily Advantage for specific types of spending:
Wholesale clubs
The Daily Advantage is one of the best cards to use at wholesale clubs, thanks to the 3% rewards it earns in this category. The card even beats Costco’s own card on rewards at Costco. If you use the card solely at wholesale clubs, you can earn 3% cash back on about $17,000 of spending during the year before the card’s rewards drop to 1%
Groceries at grocery stores
The Daily Advantage earns one of the highest rates of cash back on groceries among cards with no annual fee. If you use the card only for groceries, you’ll earn 5% cash back on $10,000 of spending before you hit the card’s bonus rewards cap.
Gas stations
While you do earn 3% cash back on gas station purchases, this category is subject to this card’s rewards cap in bonus categories. That said, it’s probably better to get another card for your gas purchases, in order to save your rewards cap for the categories that are unique to this card.
Durable goods
If you’re buying something like a computer or appliance, getting the protection of a credit card extended warranty can often be more valuable than any credit card rewards you could earn. We’d strongly recommend using a card with another card with an extended warranty benefit for these purchases.
General Spending
Since the card earns only 1% cash back on general purchases, we’d recommend using a 2% cash back card for most spending that doesn’t earn a bonus on this card.
Who is the AAA Daily Advantage Visa Signature® Credit Card best for?
If you’re buying groceries or shopping at a wholesale club, the AAA Daily Advantage Visa Signature® Credit Card is probably worth consideration.
Most likely you won’t want it to be the only card in your wallet. You can double the rewards you earn everywhere else by picking up a simple 2% cash back credit card. And you’ll probably want extended warranty benefits and purchase protection on more expensive purchases where these matter.
My take: This has become one of my favorite cards for Costco and groceries
Aaron Hurd
Executive Editor of Cards and Points
I picked up the AAA Daily Advantage card in 2025, mostly because I saw the possibility for the card to increase the rewards that my family earned on our grocery purchases from Costco and our local grocery store. And the card has done exactly that.
I’ve had no issues using the card and cash back rewards have been easy to redeem for a direct deposit.
Each year, I use the card exclusively for grocery store and wholesale club purchases until I hit the card’s $500 bonus rewards cap, and then the card gets filed away until January 1st of the next year.
Now, I’ll admit I found it quite comical that Bread Financial sent me a “Guide to Benefit” (singular) with the card—I discarded it, since the benefit mentioned was something that provides almost no value and I’m not planning on using the card for purchases of travel, durable goods, or anything else where benefits would matter.
There are a few things that annoy me about this card, but they are relatively minor:
- Upsells of Account Assure Pro. Bread Financial, the bank that issues the card is constantly pushing its Account Assure Pro service. In my view this is a high-cost insurance service that is designed to never pay out in excess of the premiums you pay.
- Multiple logins. I hold a few Bread Financial cards, and the Bread Financial app and website require me to have a separate login for each of them. This is annoying. Most other banks have figured out how to create a dashboard that supports multiple cards.
- No rewards tracker. I think that, if you have an annual cap on bonus rewards in a spending category, you should offer a tracker so that cardmembers can easily see how much “spending space” they have. Amex does this with the Blue Cash Preferred. I’d love to see this with the AAA card.
Overall, I’m pleased with this card—it does exactly what it purports to do and, even given the minor annoyances listed above, I’m happy to recommend this card.
Bottom line: An excellent card for cash back on groceries
The AAA Daily Advantage Visa Signature® Credit Card doesn’t get much coverage, but it’s one of the best cards to use for groceries and has strong cash back rewards in several other useful categories. The card’s biggest downside is its lack of consumer benefits, but this can be mitigated by picking up another no annual fee card for your larger purchases.
