AOD Visa Signature Card Calculator

Card Details & AOD Cash Back Calculator
3% All Purchases

Review the details of the AOD Visa Signature Card, calculate how much cash back you can earn, and compare the results side by side top rewards cards.

The AOD Visa Signature Credit Card is a flat rate earning credit card offered by AOD Federal Credit Union. It offers a superb 3% return on all purchases and has no annual fees, no balance transfer fees, and no foreign transaction fees. It's currently at the top of the market in terms of earning cash back.

Bonus Categories

The AOD Visa Signature Card does not feature any bonus categories. It earns an unlimited 3% cash back on all purchases ran across the card which makes it one of the best flat rate cash back cards on the market as well as one of the best flat rate credit cards for international travel due to having no foreign transaction fee.

  • 3% All Purchases

Perks & Benefits

The AOD Visa Signature Card offers your basic Visa Signature benefits. There are no special perks or benefits specific to the card itself.

Sign Up Bonus (SUB)

The AOD Visa Signature Card does not have a sign up bonus.


Annual Fee

The annual fee for the AOD Visa Signature Card is $0 which makes this a superb card for earning cash back.

Authorized User Fee

There is no fee to add authorized users to your AOD Visa Signature Card account. I highly recommend doing such so that you can build cash back faster.

Foreign Transaction Fee

The AOD Visa Signature Card has a 0% foreign transaction fee which makes it one of the best cards for international travel when you factor in the 3% cash back earnings.

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.
Compare A Card
Edit Card Options
Compare A Card
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These cards are part of the same family.
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These are similar cards based on earning structure and other benefits (that aren't part of the same family).
Search Cards
Search for credit cards by name, rewards program, or rewards currency.
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Categories Spending
Enter how much you spend in each category listed. You can click on the amount to edit the value, +/- Categories to add and remove categories from the list, and Options to copy spend between columns and clear all spend.
Add Categories
Search for categories and click 'Add Category' to add it to the calculator. If you want to be more specific, you can specify domestic or international spend.
Type at least 3 characters.
Currently Selected:
Add Categories On Card Change
When you add/change a credit card comparision, the categories missing from the newly added card will be added to the list of categories. Toggle this off to prevent such from happening.
Clear Spend/Mobile
Clear All Spend will clear the spend in all categories in both columns and all saved values (cookies). Clear Mobile will remove the mobile pay option from all categories in both columns.
Copy Spend
Copies all spend amounts and their units of time from one column to the other. Does not copy mobilepay indicator.
Total Earnings
The sum of all spend and bonuses above this line and the cash value of it all.
From Spending
From Bonuses
From Loyalty
Cash Value
Cash value of total earnings based on currency worth.
Monetary Bonuses & Fees
Cash bonuses, annual fees, authorized user fees, and any other listed fees.
Monetary Bonuses
Annual Fee
Auth User Fee
Cash Bonuses
Annual Fee
Auth User Fee
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 based on spend, benefits, and fees.
Total Return
The percent you are earning based on spend, earnings, and fees.

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