Bread Financial · Visa · personal · Cash back
Review the linked sources below for offer details and eligibility.
Earning
| Groceries (supermarkets)
'Grocery store purchases'. $10,000 = $500/5%. Issuer: 'Maximum of $500 USD cash back earned in a calendar year at grocery stores, wholesale clubs and gas stations combined. After that, purchases will earn 1% cash back for the remainder of the calendar year.' This is a REWARD cap shared across grocery (5%), gas (3%) and wholesale clubs (3%); the spend figure here is the single-category equivalent. Per Doctor of Credit (Feb 25, 2026): discount stores, superstores and convenience stores stopped qualifying as grocery effective May 15, 2026.
up to $10,000/year, then 1%
|
5% | 5% |
| Gas stations
'Gas'. $16,666 = $500/3%. Issuer: 'Maximum of $500 USD cash back earned in a calendar year at grocery stores, wholesale clubs and gas stations combined. After that, purchases will earn 1% cash back for the remainder of the calendar year.' This is a REWARD cap shared across grocery (5%), gas (3%) and wholesale clubs (3%); the spend figure here is the single-category equivalent.
up to $16,666/year, then 1%
|
3% | 3% |
| EV charging
'Electric vehicle charging'. Not named in the $500 combined cap (grocery/gas/wholesale only).
|
3% | 3% |
| Wholesale clubs
'Wholesale clubs'. $16,666 = $500/3%. Issuer: 'Maximum of $500 USD cash back earned in a calendar year at grocery stores, wholesale clubs and gas stations combined. After that, purchases will earn 1% cash back for the remainder of the calendar year.' This is a REWARD cap shared across grocery (5%), gas (3%) and wholesale clubs (3%); the spend figure here is the single-category equivalent.
up to $16,666/year, then 1%
|
3% | 3% |
| Drugstores & pharmacies
'Pharmacy'. Not named in the $500 combined cap.
|
3% | 3% |
| Streaming services
'Streaming services'. Not named in the $500 combined cap.
|
3% | 3% |
| Everything else
'All other purchases'
|
1% | 1% |
Right column: value per $ at travel valuation (1¢/pt). Dollar-for-dollar.
Credits
None.
Benefits
- No foreign transaction fees — Issuer: 'Foreign transaction fees: 0%'
- No annual fee
- 3% on AAA purchases; no AAA membership required to apply — Issuer FAQ: 'No, you do not need to be a AAA Member to apply for the AAA Visa Signature credit cards.' Cash back redeemable as statement credit, direct deposit, or toward qualifying purchases at participating AAA locations; rewards expire 5 years after posting.
- Visa Signature: Zero Liability, Travel & Emergency Assistance, emergency card replacement / cash disbursement — Only benefits listed on the AAA product page.
Protections
Notes
Issued by Comenity Capital Bank (Bread Financial); co-branded with AAA but membership is not required. 5%/3% categories share ONE cap: $500 cash back per calendar year earned at grocery stores, wholesale clubs and gas stations combined, then 1% for the rest of the calendar year; EV charging, streaming, pharmacy and AAA purchases are not named in that cap. Grocery definition tightened May 15, 2026: discount stores, superstores and convenience stores no longer count (Doctor of Credit, Feb 25, 2026). Aug 2026: Comenity surveyed cardholders on possible restructures (one package drops the grocery bonus, another has 4% grocery + Priority Pass) — nothing implemented as of 2026-09-08. aaa.com/creditcards is zip-gated; Auto Club Group (ACG) territories are shown a different U.S. Bank-issued 'AAA Cashback Visa Signature' (3% grocery/gas/dining) instead of this card. Auto rental CDW / purchase protection are NOT listed on the issuer page — check the Visa Signature Guide to Benefits before relying on them. Web-verified 2026-09-08 against https://mwg.aaa.com/credit-and-identity/credit-card.