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A good credit card can be more than just a way to pay the bills. When used responsibly, the right card can make your travels even better, giving you extra perks and additional security. When searching for the best travel credit card, look for these features and membership rewards to get the most from your trips.
Many cards let users earn bonus points, merchandise or cash for every purchase, but those aimed at travelers often offer rewards based on types of purchases—usually more for travel-related transactions. For example, buying cruise tickets might earn three points for each dollar spent, while other transactions would earn one point per dollar. Many cards, like the AAA Cashback Visa Signature Card®, also offer additional rewards on common expenses you’d shop for anyway, like gas or groceries. The rewards points add up quickly, providing you with easy savings.
For new customers who meet certain spending habits during the first few months, some travel credit cards offer extra incentives—in the form of points, airline miles for general travel or cash beyond standard rewards. In addition, some annual travel credit cards provide a welcome offer (or welcome bonus or signup bonus), statement credit, and even extra bonus categories, too. These cards usually require excellent credit (and credit score), but the payoffs can add up quickly. For example, new AAA card members can get a $100 statement credit when they spend $1,500 in qualifying purchases*.
When you consider the expenses for a vacation—airfare, hotel stays, rental cars, dining purchases or even the requirements for international travel—it’s easy to meet the qualifying purchase limit.
Look for travel protections such as rental car insurance, travel and emergency assistance and lost-luggage coverage. If you travel abroad, you’ll want a card that waives foreign transaction fees on purchases you make with your credit card, which usually range from 1% to 4%. These international travel fees can become costly quickly. Some cards offer additional perks, like concierge services, free checked bags and priority boarding. Before booking, look for any blackout dates during your given calendar year.
Chip-enabled cards are relatively new in the United States, but they’re standard overseas, where traditional “swipe” cards often are declined. To avoid inconvenience during your international travels, and to frustrate would-be thieves, be sure your travel rewards credit card has the latest safety technology.
Travel rewards credit cards often have higher interest rates than regular cards, so if you carry a monthly balance, you might pay more in interest than you earn in rewards.
Also, be sure the travel credit card’s annual fee doesn’t offset its benefits. (Some cards come with a high annual fee—even for a frequent flyer.) And if you’re considering a card for travel expenses—or even if you already have a card with a rewards program—compare multiple offers to find those that best fit your travel needs and offers the best travel rewards and travel perks.
Also look to see what types of travel are covered by the card, as well as the rewards rate, intro APR and if there’s a fee for balance transfers.
With plenty of credit card issuers available, you should have your choice of offers.
The AAA Cashback Visa Signature® is the fastest way to earn the best travel rewards and AAA Dollars on qualifying net purchases.
This information is being provided for general informational purposes only. The Auto Club Group does not assume any liability in connection with providing this information.
Annual Percentage Rate (APR)
We may change APRs, fees, and other Account terms in the future based on your experience with ACG Card Services and its affiliates as provided under the Cardmember Agreement and applicable law.
1Cash back can be redeemed in the form of a statement credit or ACH deposit ($25 cash back minimum redemption). Cash back is not earned on business related transactions or activities. You may not redeem cash back, and you will immediately lose all of your cash back, if your account is closed to future transactions (including, but not limited to, due to Program misuse, failure to pay, bankruptcy, or death). Cash back will expire at 11:00 p.m. Central Time on the last day of the calendar quarter that is five (5) years from the date on which they are earned. Account must be open and in good standing to earn and redeem rewards and benefits. Upon approval, please refer to your Cardmember Agreement for additional information. Cash back is earned on eligible net purchases. Net purchases are purchases minus credits and returns. Not all transactions are eligible to earn cash back, such as Advances, Balance Transfers, and Convenience Checks and other advance transactions as defined in the Cardmember Agreement, as well as interest charges and fees do not qualify. U.S. Bank cannot control how merchants classify their business or transactions and reserves the right to determine which Purchases will qualify in which category. Earn 2% per dollar for qualifying net purchases made with the card through any participating AAA Club when AAA is the merchant of record, on qualifying net insurance purchases (MCC = 6300) and at eligible retail travel merchants. AAA Clubs located in Northern California, Nevada and Utah are not participating AAA Clubs and purchases made at those clubs will not qualify for 2%. Earn 4% per dollar for qualifying net purchases on AAA purchases, travel and insurance for your first 6 months up to $6,000. After that, earn cash back in the standard 2% category. Foreign Transaction Fee: None.
2 Benefits are subject to terms, conditions, and limitations on the amount of coverage. Travel and Emergency Assistance Services help in coordinating medical, legal and travel services while away from home. Rental Collision Damage Waiver coverage and peace of mind for damage due to collision or theft of most rental cars. Certain terms and conditions apply. Please refer to your Visa Guide to Benefits for details
The Contactless Symbol and Contactless Indicator are trademarks owned by and used with the permission of EMVCo, LLC.
This card is issued by U.S. Bank NA dba ACG Card Services, pursuant to a license from Visa USA Inc. Equal Credit Opportunity Lender
*Annual Percentage Yield (APY) is valid as of 11/26/2024. Personal accounts only. Rates are variable and may change without prior notice. $100 minimum balance to open and avoid fees. Fees may reduce earnings. $250,000 maximum opening deposit when account is opened online. After online opening deposit is verified, you may deposit additional funds to your account. $500,000 maximum balance. Auto Club Trust, FSB.
**Annual Percentage Yield (APY) is accurate as of 11/26/2024. Rates are variable and may change without prior notice. Interest rates are fixed until initial maturity after the account is opened. A $1,500 minimum deposit to open the account and obtain the APY is required. A penalty may be imposed for early withdrawal. Fees may reduce earnings. Personal accounts only.
†Annual Percentage Rate (APR). Rates and terms effective as of 10/11/2024. APR is accurate as of 10/11/2024. Advertised rates and terms are subject to change without prior notice. Additional terms and restrictions may apply. Other loan rates available. Subject to borrower qualification. Advertised rate includes a 0.25% discount when you set up automatic payments from any checking or savings account. Rate is variable. Offer valid on personal vehicle loans only. Criteria to receive the stated APR: Loan term 48 months or less new or used, model year 2018 – 2024 with a credit score of 720 or higher based on the Vantage scoring model. Buyer is responsible for all state or local fees. Auto Club Trust, FSB uses a managed credit program and final APR is dependent on your credit score. An auto loan with an APR of 5.49% for a $20,000 loan at a term of 48 months, your estimated monthly payment would be $465. An auto loan with an APR of 5.74% for a $20,000 loan at a term of 48 months, your estimated payment would be $467. Private party sales will not be financed.
††Terms and Conditions apply. Offer valid for loans on vehicles purchased through the AAA Auto Buying Program from a TrueCar, Inc. (TrueCar) Certified Dealer; and approved and funded by Auto Club Trust, FSB. Applicant must submit the Member Price Summary provided by TrueCar during the application process. Must be an active AAA member to receive the additional TrueCar discounted rate. Loans offered by Auto Club Trust, FSB. Equal Opportunity Lender.
Member Savings currently not available in all states. In these states a "Target Price" is presented, which reflects a market-based example of what you can reasonably expect to pay for a vehicle configured with your desired options. Your configured vehicle may not be available or in-stock at the Certified Dealer.
TrueCar operates this information website ("Service") featuring pricing, performance, technical, and safety data available for new and used vehicles. The Service is not available in all locations.
Products are offered by Auto Club Trust, FSB. Equal Credit Opportunity Lender.
Mortgages originated by Auto Club Trust, FSB. Equal Housing Lender. NMLS# 799629
Member FDIC
