AAA Member Rewards
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How we calculate effective rate →
The AAA Member Rewards from Bank of America earns up to 2% effective value on grocery in Madeen's catalog snapshot. It has no annual fee.
- Top category
- Grocery
- Effective value
- 2%
- Annual fee
- $0
Best for grocery-heavy spend when you want to avoid an annual fee; confirm issuer terms before applying. Best for spenders who put meaningful volume in grocery and can earn 2x points.
What does the AAA Member Rewards earn in each category?
Grocery is the strongest category at 2% effective value (2x points at about 1 cents each). That grocery rate ranks higher than about 69% of the 2,855 cards we track in that category. The five-category effective-rate table on this page shows how AAA Member Rewards compares across dining, grocery, gas, travel, and other spend. Catalog spend signals highlight flights at.
Grocery is the strongest category at 2% effective value (2x points at about 1 cents each). That grocery rate ranks higher than about 69% of the 2,855 cards we track in that category. The five-category effective-rate table on this page shows how AAA Member Rewards compares across dining, grocery, gas, travel, and other spend.
| Category | Earn rate | Effective value |
|---|---|---|
| Dining Restaurants, cafes, takeout | 1x points | 1% |
| Grocery Supermarkets and grocery stores | 2x points | 2% Top category |
| Gas Gas stations and fuel | 2x points | 2% |
| Travel Flights, hotels, transit | 1x points | 1% |
| Other General everyday spend | 2x points | 2% |
Madeen values AAA Rewards at about 1 cents each. Madeen compares every card using this cash-equivalent estimate while still showing the raw earn rate for context.
Who should get the AAA Member Rewards?
The AAA Member Rewards fits spenders who put meaningful volume in grocery and can earn 2x points. Best for spenders who put meaningful volume in grocery and can earn 2x points.
AAA Member Rewards fits spenders who put meaningful volume in grocery and can earn 2x points. Madeen ranks its grocery effective rate higher than about 69% of the catalog in that category. Compare it against cards you already carry with Madeen — no bank login required.
Best for spenders who put meaningful volume in grocery and can earn 2x points.
Compare it against simpler no-fee cards if you want minimum complexity.
Best for grocery-heavy spend when you want to avoid an annual fee; confirm issuer terms before applying.
Pros
- Strongest Madeen category is grocery at about 2% effective (2x points).
- No annual fee in our catalog snapshot.
- No foreign transaction fee listed.
Cons
- AAA Rewards value depends on how you redeem, not straight cash back.
Does the AAA Member Rewards have an annual fee?
The AAA Member Rewards has an annual fee of $0 and a foreign transaction fee of None. Confirm current fees on the issuer page before applying.
- Annual fee
- $0
- Foreign transaction fee
- None
Related encyclopedia topics
Common questions about the AAA Member Rewards
Where do cardholders spend most with the AAA Member Rewards?
Madeen's RewardsCC catalog snapshot shows the strongest bonus categories on flights (3x), lodging (3x), other travel (3x) for the AAA Member Rewards. These are anonymized issuer category signals, not individual cardholder transactions. Route everyday spend through categories that match your habits, then compare effective rates with Madeen at checkout.
How do I redeem my AAA credit card rewards?
Rewards on the AAA Member Rewards post as AAA Rewards. Redemption value depends on how you use AAA Rewards (statement credit, travel, transfers, or issuer portals). Madeen shows effective cash-equivalent rates using standard valuations.
Does the AAA Member Rewards have an annual fee?
The AAA Member Rewards carries an annual fee of $0 in Madeen's catalog snapshot. Issuer terms can change, so confirm the current fee on the issuer's site before you apply. Madeen does not predict approval or prequalification.
What category earns the most with the AAA Member Rewards?
Grocery is the strongest Madeen category for the AAA Member Rewards at about 2% effective value, based on our catalog snapshot and standard point valuations. Other categories are listed in the effective-rate table on this page.
Does the AAA Member Rewards charge foreign transaction fees?
The AAA Member Rewards does not charge a foreign transaction fee in Madeen's catalog snapshot, which can make it stronger for purchases outside the U.S. Issuer terms still control international acceptance and other fees.
What credit score do you need for the AAA Member Rewards?
Madeen's catalog lists a typical credit range of Excellent for the AAA Member Rewards. Issuers decide approval using their own criteria; Madeen does not predict approval odds or prequalification.
How does the AAA Member Rewards compare to similar cards?
Compare the AAA Member Rewards against Asiana Visa Signature (3.2% on Grocery, $99 fee); Royal ONE™ Plus Visa Signature (2.3% on Grocery, $99 fee); Royal ONE™ Visa Signature (2.3% on Grocery, $0 fee). Madeen ranks effective value by category and annual fee using the same catalog snapshot dated 2026-05-01.
| Card | Top category | Effective value | Annual fee |
|---|---|---|---|
AAA Member Rewards This card | Grocery | 2% | $0 |
Bank of America | Grocery | 3.2% | $99 |
| Grocery | 2.3% | $99 | |
Bank of America | Grocery | 2.3% | $0 |
Bank of America | Grocery | 2% | $0 |
Side-by-side comparisons
Store-specific guides
Madeen publishes merchant guides that rank cards for specific stores and services. Browse guides for grocery spend to see which cards win at checkout.
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Madeen compares the cards you already carry for dining, groceries, gas, travel, and everyday purchases — free, no bank login required.
Bank of America and related product names are trademarks of their respective owners. Madeen is not affiliated with, sponsored by, endorsed by, or acting on behalf of Bank of America. Madeen is an independent credit-card comparison and education service. Issuer websites control current terms, fees, and eligibility.
Madeen compares cards you add to your wallet using published catalog rules — no bank login required. Issuer pages control current fees, caps, exclusions, and eligibility; Madeen does not issue cards, make approval decisions, or provide financial advice. Apply links are temporarily hidden on madeen.app. Affiliate disclosure