AAA Member Rewards Visa - Details | The Point Calculator

AAA Member Rewards Visa

Card Details & AAA Point Calculator
3x AAA
3x Travel
2x Gas
2x Grocery
2x Wholesale Club
2x Drugstore
BOA Preferred Rewards Clients

The AAA Rewards Visa Card is a solid option for anyone looking to earn cash back spending on AAA Club services, travel, and several other categories.


The Bank of America AAA Rewards Visa is a great credit card for AAA members who want to earn a great return on AAA spend as well as earn rewards redeemable towards AAA products and services. If you're a Bank of America Preferred Rewards Client, you'll be able to get a 25% to 75% bonus which makes this a great choice for anyone that has money invested with Bank of America or their partners.

Bonus Categories

The AAA Member Rewards Visa features six bonus categories that earn bonus points. Those categories are AAA, travel, gas station, grocery, wholesale club, and drugstore. There's no limit to the amount of bonus points you can earn spending in these categories and no limit to the amount of points you can earn with the card overall.

3x AAA

Using the AAA Member Rewards Visa Card on AAA products and services through the AAA Club will earn you 3 AAA Points per $1 spent. In order to qualify as a AAA purchase, the purchase must be affiliated with a AAA Club.

Earning a 3% return on AAA products and services is great and this is one of the best credit cards (if not the best) to handles these types of purchases. If you choose to redeem your AAA Points towards an AAA voucher, you'll get a bonus 40% in value for a total return of 4.2% which is pretty fantastic.

3x Travel

The AAA Member Rewards Visa will earn you 3 AAA Points per $1 on travel purchases. Travel with Bank of America is considered to be purchases such as airfare, hotels, car rentals, and rideshare services.

Earning 3% on travel on a no-annual fee card is about the highest you can get. If you have money invested with Bank of America or their partners, you can earn up to 5.75% back on travel thanks to the Preferred Rewards Clients benefit.

bank of america cash rewards
The Bank of America Cash Rewards Card and AAA Rewards Card are similar in categories.

2x Gas Station

Gas station purchases made on the AAA Member Rewards Visa will earn you 2 AAA Points per $1 spent. This applies to merchants whose primary purpose is to sell gasoline such as Exxon, Hess, BP, and Speedway.

You can earn up to 3.5% cash back in this category as a Preferred Rewards Client, but you can typically earn 4%-5% cash back with other rewards cards without investing any kind of money.

2x Grocery

The AAA Member Rewards Visa earns 2 AAA Points per $1 on grocery spend. This applies to merchants whose primary purpose is to sell groceries such as Kroger, Winn-Dixie, Vons, and Publix.

There's lots of no-annual fee credit cards that offer around 3% cash back on grocery and some cards with annual fees that offer as high as 6% cash back. Two examples of this are the AMEX Blue Cash Everyday (3%, no fee) and the AMEX Blue Cash Preferred (6%, $95 fee).

2x Wholesale Club

Wholesale Club spend on the AAA Member Rewards Visa will earn you 2 AAA Points per $1 spent. Examples of Wholesale Clubs include BJ's Wholesale Club, Costco, and Sam's Club.

If you're looking to maximize your earnings as Wholesale Clubs, 2% is about the best you'll get in terms of a consistent return. Wholesale Clubs are sometimes featured as one of the rotating quarterly category on the Discover IT Card or Chase Freedom Card which can earn you a 5% (or higher) return.

2x Drugstore

Drugstore purchases on the AAA Member Rewards Visa will earn you 2 AAA Points per $1 spent. This counts for places such as CVS, Rite Aid, and Walgreens to name a few.

Drugstore is not a common category and this is a solid return for this type of spend. You can earn the same 2% cash back with the Bank of America Cash Rewards Card as well as 2% cash back across a few Amazon Credit Cards.

1x Non-Category

All non-category purchases on the AAA Member Rewards Visa Card will earn you 1 AAA Point. If you're earning AAA Points with the plan on redeeming them for AAA Vouchers, then running non-category spend though the card is the way to go.

If not, you'll want to consider other options as you'll be earning a 1% return. If you want to stick with Bank of America, you can earn a higher return of 1.5% using the no-annual fee Bank of America Travel Rewards Card which can earn you as high as a 2.625% if you're a Preferred Rewards Client. Otherwise you can pick up any 2% cash back credit card or a credit card that's great for everyday spend.

Perks and Benefits

The AAA Member Rewards Visa has one primary benefit specific to Bank of America credit cards and that's the Preferred Rewards Clients program.

Preferred Rewards Clients

When you invest a certain amount of money with Bank of America and their partners, you'll become a Preferred Rewards Client. Preferred Rewards Clients earn a bunch of benefits when dealing with Bank of America, but one of the best benefits (at least with respect to this website) is the 25% to 75% bonus points you'll earn as a client based on your tier.

BOA Preferred Rewards Clients
Tier Balance Requirement Bonus
Gold $20k to <$50k 25% Bonus
Platinum $50k to <$100k 50% Bonus
Platinum Honors $100k+ 75% Bonus

Your Bank of America Preferred Rewards Client tier is based on qualifying combined balances in your Bank of America banking and/or Merrill Edge® and Merrill Lynch® investing and trading accounts. Each tier requires you to meet a certain threshold of 3-month average combined balanced within your accounts. You can earn between a 25% and 75% bonus based on your tier.

If you have the money to invest, Bank of America can easily be one of the best rewards programs on the market especially if you're able to invest $100k+ to become a Platinum Honors member.

Sign Up Bonus

The standard sign up bonus for the AAA Member Rewards Visa is a $200 statement credit after making $1,000 in purchases within 90 days of account open date. This is pretty good sign up bonus for such a low spend threshold.

Credit Card Fees

Fees
Annual Fee
Authorized User Fee
Foreign Transaction Fee

Annual Fee

The AAA Member Rewards Visa has no annual fee which is great considering you can earn a pretty solid return with the card.

Authorized User Fee

There is no authorized user fee associated with the AAA Member Rewards Visa. If you're trying to maximize your rewards, you'll want to add friends and family to your card.

Foreign Transaction Fee

The AAA Member Rewards Visa has no foreign transaction fee. This makes it a great choice for anyone looking to earn rewards spending and traveling internationally.

and Card Value Calculator

You can use this rewards calculator to calculate how many points, miles, or cash back you can earn based on your spend per category. This calculator will also give you the dollar value of the card based on rewards earned and how much each benefit is worth to you minus the fees. You can click the Compare A Card button to compare this card against another card in the same calculator.

All category spend entered in the primary card's column will carry over to all credit card pages on the site so you don't have to re-enter the same information over again.

Credit Card
This calculator will calculate the cash value of the selected credit card(s) based on spend, benefits, and fees. You can compare this card against any other rewards card side-by-side by clicking on the Compare A Card button.
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These are similar cards based on earning structure and other benefits (that aren't part of the same family).
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Search for credit cards by name, rewards program, or rewards currency.
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Currency Worth
This is the cash value of points and miles used in these calculations. You can click on the amount to change the value or you can select View Rewards As to calculate your rewards when transferred to partners.
View Rewards As...
View Rewards As...
This section allows you to view your rewards as if you transferred them to a partner. Select a transfer partner below and the calculator will alter the calculator to reflect the transfer ratio and the reward currency of the receiving program. This only applies to the currency of the selected card. Not all programs have transfer partners. I also do not have the cash value of points and miles for all transfer partners.
Edit Value
Enter the cash value of these rewards in cents per point/mile. You can enter the value as X.XX cents or 0.0XXX cents. The maximum value allowed is 15 cents ($0.15) and the minimal value is 0.1 cents ($0.001).
Loyalty/Rewards Programs
Covers hotel loyalty status, status with bank rewards programs, and few others. These are added automatically based on card selection, but can be manually added as well.
/ Loyalty Programs
Add/Remove Loyalty Programs
Select which loyalty programs you want to include in the calculations. You will be able to select your status with the program and it will calculate additional points/bonuses based on what you enter in the calculator.
Loyalty Programs
Other Bonuses
All card card specific bonuses will be listed here. These are added automatically based on the selected card(s).
Categories Spending
Enter how much you spend in each category listed. You can click on the amount to edit the value. You can use +/- Categories to add and remove categories from the list and Options to copy spend between columns and clear all spend.
/ Categories
Options
Add/Remove Categories
Select which categories you want to appear in this calculator. You can search categories by typing in a keyword below. De-selecting categories will remove them from this calculator. Categories are changed once you hit 'Update'.
Currently Selected:
Clear Spend
This will clear the spend in all of the categories in both columns. This will also clear all saved values.
Copy Spend
Copy Right will take the spend from the left column and copy it to the right column. Copy Left will take the spend from the right column and copy it to the left column. The spend amount ($) and unit of time (month, day, quarter) will be copied over.
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Reward Bonuses
This section holds sign up bonuses, loyalty bonuses, and bonus bonuses. Most bonuses here will be listed automatically based on certain criteria. You can click 'Extra Bonus' if you wish to enter your own bonus amount.
Extra Bonus
Any additional bonuses you wish to add such as a sign up bonus or point bonus for adding authorized users
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Total Earnings
Sum of all rewards above this line.
Cash Value of Earnings
Based off of currency worth.
$0
Learn how you can use cash back portals to earn hundreds in cash back every year booking travel and shopping online. Easily double and triple dip on rewards when you combine cash back portals, loyalty programs, and rewards credit cards.
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Monetary Bonuses/Perks
This is a list of cash perks and bonuses associated with the selected card(s). Some perks will be listed here automatically. You can click on 'Perk Bonus' if you want to add additional value for the card.
Perk Bonus
Enter how much you value any unmentioned perks this card offers.
$0
Annual Fees
This section contains the annual fee and authorized user fee (if applicable) to hold on to the listed card(s).
$0
Edit Fees
Edit the annual fee and authorized user fee of this card (if applicable).
Annual Fee:
Auth Fee:
$0
Grand Total
The total estimated value you can get out of this card and the amount of return for your spend.
Total Card Value
The value of the card when everything is taken into account.
$0
Total Return
The percent you are earning per dollar spent on this card.

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Page Last Updated: 2020-05-30
Article By: Robert Flowers III

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About These Calculators: These calculators are provided to help you estimate the value of points, miles, and cash back you can earn with various rewards programs and using reward earning credit cards. These calculators are meant to provide an estimate of rewards earned and are not meant to reflect the exact amount of points you may receive. Be sure to read the terms and conditions of any credit card before you apply as benefit and perk changes may not be reflected immediately on this website.

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