Cards
RewardsComenity Capital BankVisa SignatureNo Annual Fee
AAA Daily Advantage Visa Signature
Key facts
Annual feeNo annual fee
NetworkVisa
Rewards currencyCash Back
Recommended creditFair – Good (680+)
Current sign-up bonus
$100 statement credit after spending $1,000 in the first 90 days (secondary sources also cite a 10,000-point new-cardholder bonus — unconfirmed whether this stacks with or replaces the statement credit)
Reward rates
5% cash back — grocery stores
3% cash back — gas stations & EV charging
3% cash back — streaming services
3% on Cash back — wholesale clubs (incl. Costco)
3% on Cash back — pharmacies
3% on Cash back — AAA purchases
1% on everything else
Annual credits
This card has annual credits — check the issuer's site for current details.
Travel benefits
Lounge Access (Unconfirmed)
None -- no Priority Pass or lounge network membership found for this card.
Trip Cancellation / Interruption (Unconfirmed)
Not confirmed as included -- typically absent on non-premium Visa Signature cards. [UNCONFIRMED -- official Guide to Benefits could not be reached; figure reflects the standard template for this network/tier as seen on comparable small-issuer cards this session, not independently verified for this specific card]
Baggage Delay (Unconfirmed)
Not confirmed as included -- typically absent on non-premium Visa Signature cards. [UNCONFIRMED -- official Guide to Benefits could not be reached; figure reflects the standard template for this network/tier as seen on comparable small-issuer cards this session, not independently verified for this specific card]
Emergency Evacuation (Unconfirmed)
Not confirmed as included -- typically absent on non-premium Visa Signature cards. [UNCONFIRMED -- official Guide to Benefits could not be reached; figure reflects the standard template for this network/tier as seen on comparable small-issuer cards this session, not independently verified for this specific card]
Trip Delay (Unconfirmed)
Standard Visa Signature trip delay: up to $300/person reimbursement for delays over 12 hours when fare purchased with the card. Not individually confirmed for this exact card.
Travel Accident Insurance (Unconfirmed)
Standard Visa Signature accidental death & dismemberment coverage when common-carrier fare is purchased with the card. Not individually confirmed for this exact card.
Purchase protections
Return Protection (Unconfirmed)
None confirmed -- this benefit has been widely discontinued industry-wide on non-premium cards. [UNCONFIRMED -- official Guide to Benefits could not be reached; figure reflects the standard template for this network/tier as seen on comparable small-issuer cards this session, not independently verified for this specific card]
Cell Phone Protection (Unconfirmed)
Not confirmed as included. Standard Visa Signature cell phone protection (when offered) is typically $600-800/claim, $25-50 deductible, 2 claims/year, activated by paying the monthly bill with the card -- but issuer opt-in varies by product. [UNCONFIRMED -- official Guide to Benefits could not be reached; figure reflects the standard template for this network/tier as seen on comparable small-issuer cards this session, not independently verified for this specific card]
Extended Warranty (Unconfirmed)
Standard Visa Signature extended warranty: doubles the manufacturer's U.S. repair warranty by up to 1 additional year on warranties of 3 years or less. Not individually confirmed for this exact card.
Purchase Protection (Unconfirmed)
Standard Visa Signature purchase protection: repair, replacement, or reimbursement up to $500/claim for eligible items damaged or stolen within 90 days of purchase. Not individually confirmed for this exact card — verify against issuer's Guide to Benefits.
Other benefits
Annual Credits (Unconfirmed)
None confirmed beyond AAA membership-linked perks (roadside assistance discounts through AAA membership, not the card itself). [UNCONFIRMED -- official Guide to Benefits could not be reached; figure reflects the standard template for this network/tier as seen on comparable small-issuer cards this session, not independently verified for this specific card]
Transfer Partners (Unconfirmed)
None -- rewards redeem within the issuer/co-brand's own program, no airline/hotel transfer partner network found.
Lost / Stolen Baggage (Unconfirmed)
Not confirmed as included. Standard Visa Signature baggage coverage (when offered) is typically up to $3,000/trip. [UNCONFIRMED -- official Guide to Benefits could not be reached; figure reflects the standard template for this network/tier as seen on comparable small-issuer cards this session, not independently verified for this specific card]
Secondary Rental Car (Unconfirmed)
Not confirmed as included. Standard Visa Signature secondary CDW coverage (when offered) requires declining the rental agency's own CDW and charging the full rental to the card. [UNCONFIRMED -- official Guide to Benefits could not be reached; figure reflects the standard template for this network/tier as seen on comparable small-issuer cards this session, not independently verified for this specific card]
Primary Rental Car (Unconfirmed)
None domestically -- Visa Signature rental coverage on non-premium cards is typically secondary only. [UNCONFIRMED -- official Guide to Benefits could not be reached; figure reflects the standard template for this network/tier as seen on comparable small-issuer cards this session, not independently verified for this specific card]
Authorized User Fee (Unconfirmed)
No fee found for adding authorized users. [UNCONFIRMED -- official Guide to Benefits could not be reached; figure reflects the standard template for this network/tier as seen on comparable small-issuer cards this session, not independently verified for this specific card]
Foreign Transaction Fee
None
Welcome Bonus (Unconfirmed)
$100 statement credit after $1,000 spend in first 90 days (secondary sources also cite a separate 10,000-point bonus — unconfirmed if both apply)
Earn Rates
5% grocery, 3% gas/EV/wholesale clubs/streaming/pharmacies/AAA purchases (combined $500/yr cap on grocery+gas+wholesale), 1% everything else
Best for
GroceriesGasStreaming
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Card terms, reward rates, and offers are subject to change. Always review the current cardmember agreement before applying. He's Got a Point is not affiliated with or endorsed by any card issuer. Benefit coverage may vary — verify with the issuer before relying on any protection.
Card images, names, and logos shown on this page — including the AAA Daily Advantage Visa Signature, a product of Comenity Capital Bank — are trademarks of their respective owners. Their use here is for identification purposes only and does not imply endorsement or affiliation.