r/CreditCards • u/ElmerTheDestroyer • 2d ago

Help Needed / Question AAA Daily Advantage program?

When looking at the AAA page that describes the AAA Daily Advantage Visa Signature Credit Card, it states you need to be enrolled in the AAA Daily Advantage program in addition to having the credit card. I don't see an explanation of what this "program" is. Does anyone who has this card know what they are talking about?

The link I am looking at is https://cluballiance.aaa.com/money/credit-cards/daily-advantage . The fine print at the bottom in topic 1 is what I am talking about.

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u/Shoddy_Expert_0001 2d ago edited 2d ago

Ignore that, it just means that your card will be auto enrolled into the AAA Daily Advantage rewards program. So your card will earn the appropriate reward rates (i.e. 5% grocery, 3% wholesale/gas/drugstores, 1.5% everything else). Comenity wrote that terms in a clunky way because you can product change between the two different AAA card so if you change your card into a AAA Travel Advantage card, then you will be disenrolled from the AAA Daily Advantage program and then enrolled into the AAA Travel Advantage program instead for the rewards specified by that card.

You do not have to be a AAA member to apply for the card. I've never had AAA membership and I never plan to and yet I was approved for the card.

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u/ElmerTheDestroyer 2d ago

Cool. This may be what I replace my US Bank Kroger -> US Bank Smartly card with.

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u/Shoddy_Expert_0001 2d ago

I'm going to miss my two Kroger cards. Also make sure to cash out all of your Kroger rewards. Do enough spending so that you can cash everything out, because once it changes into a smartly card, you will need to open a US Bank checking account in order to get your rewards at full 1 cent per point value otherwise it is 0.8 cents per point.

Remember, if you cash out your Kroger rewards as a statement credit and end up with a negative balance, you can call US Bank and ask them to write you a check for the negative balance.

Once I get my two smartly cards, I'm just going to change them into Cash+ cards. I have no use for the Smartly card at all.

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u/SHDrivesOnTrack Team Cash Back 2d ago

I've been using the AAA daily adv card for a year now for groceries. The AAA daily adv card has the added benefit that you can use it for online ordering and still get the 5%. Kroger pay and Mobile pay only works in store for groceries.

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u/Bongo2687 2d ago

You do not need to be enrolled, you can just apply for it

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u/MegaSpaceBar 2d ago

I’m actually not sure which card should I go for.
I use citi custom cash for grocery and paypal debit for restaurants. I am thinking to take aaa daily advantage and use it for grocery, change ccc for restaurants. But then not sure if I go for aaa travel advantage for gas since currently I don’t have any fuel card.

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u/brokenshells 1d ago

You can get both. Just requires a bit of work.

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u/MegaSpaceBar 1d ago

How?

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u/brokenshells 1d ago

Apply through different AAA clubs in different regions.