All information about the Platinum, Bread Rewards, and Bread Cashback American Express cards has been collected independently by Miles to Memories.
Bread AAA Credit Cards
Regular MtM readers probably know by now that I’m a fan of Bread cards. Last fall, the Bread Rewards card usurped their Cashback option as my favorite third party Amex card. But I’m taking a break from those today, instead focusing on their AAA credit cards. These two Bread cards are easy to overlook but are surprisingly solid. Let’s now focus more on each!
AAA Daily Advantage Visa Signature
As its name suggests, the the AAA Daily Advantage Visa offers noteworthy everyday rewards earning between all those trips. These are the card highlights:
- 5% cash back on grocery store purchases
- 3% cash back at gas and EV-charging stations, wholesale clubs, streaming services, pharmacy, and AAA purchases
- 1% cash back everywhere else
- No annual fee or foreign transaction fees
Earning 5% cash back on grocery store purchases with a no fee card definitely catches the eye, but don’t get too excited. The same goes for wholesale club and gas purchases. The total earn of 5% cash back on grocery store and 3% cash back on wholesale club and gas purchases is on the first $10k spent annually, and a lowly 1% subsequently. Making things more confusing, the following 3% categories don’t appear to be subject to that limit: streaming services, pharmacy, AAA purchases, and EV charging.
On the bright side, cashing out is fairly simple. Cash back is redeemable for statement credits, direct deposit, rewards, or qualifying AAA purchases. I’d pick either of the first two redemption options and move on.
AAA Travel Advantage Visa Signature
This second card offers more balanced features for travel and everyday earners. Let’s run down the AAA Travel Advantage Visa’s highlights:
- 5% cash back on gas purchases and EV charging stations
- 3% cash back on travel, dining, grocery store, and AAA purchases
- 1% cash back everywhere else
- No annual fee or foreign transaction fees
Like its sister card, Bread locks down the no-fee Travel Advantage Visa’s 5% category. The Travel Advantage earns 5% cash back on the first $7k spent on gas and EV charging purchases each calendar year, then 1% after. But interestingly, no rewards earning limits are noted on any of the Travel Advantage’s 3% cash back categories. Travel Advantage redemption options mirror the Daily Advantage’s.
My Take
Both cards offer substantial everyday rewards in staple categories. Reward caps are noteworthy but not necessarily consequential to many consumers. Plenty of individuals substantially spend at grocery stores without reaching $10k annually, and a subset probably don’t hit that number even when gas stations and wholesale clubs are included. These groups should definitely consider the Daily Advantage.
Despite its name, the Travel Advantage may be a better fit for avid everyday earners looking for uncapped 3% cash back in attractive categories like grocery stores and dining. I find the Travel Advantage’s simpler earning structure attractive, as well. Earning 3% cash back on travel is nice, but many should opt for other cards like the Citi Stata Premier, Wells Fargo Autograph Journey, and Amex Platinum on many of those purchases.
Like many hobby decisions, this one probably comes down to the better fit for one’s spend profile. For us, that’s the Travel Advantage, but I can definitely see the Daily Advantage being a slam dunk for plenty of others.
Bread AAA Credit Cards – Conclusion
Regardless, both of these AAA credit cards seem more attractive than their Bank of America predecessor. That said, they both offer the same minimal signup bonus of a $100 statement credit after spending $1k within 90 days of opening. But these no-fee cards are most suitable for long-term holds, anyway. I imagine we’ll pursue the Travel Advantage in the not-too-distant future. Note – these cards aren’t officially available nationwide. Check your zip code at the beginning of the application process.
Do you hold either of the Bread AAA credit cards? What are your favorite card benefits?
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Chase Sapphire Preferred® Card is the old king of travel rewards cards. Right now
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Opinions, reviews, analyses & recommendations are the author’s alone, and have not been reviewed, endorsed or approved by any of these entities.
