AAA Travel Advantage vs Premium Rewards
AAA Travel Advantage
$0/yr
7.0/10
VS
Premium Rewards
$95/yr
7.5/10
Quick Answer
AAA Travel Advantage charges no annual fee with 1X base rewards. Premium Rewards charges $95/yr with 1X base rewards. AAA Travel Advantage offers better overall value for most spenders when comparing fees, rewards, and benefits side by side.
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Winner by Category
Annual Fees
AAA Travel Advantage
Lower annual fee ($0 vs $95)
Rewards Earning
AAA Travel Advantage
4 earning categories
Benefits & Protection
Premium Rewards
5 benefits vs 0
Flexibility
Tie
Both cards have similar redemption flexibility
OUR PICK
AAA Travel Advantage wins for most people
The $95 fee difference is hard to justify unless you maximize premium benefits.
Apply for AAA Travel AdvantagePREMIUM PICK
Premium Rewards wins for heavy spenders
If you can offset the higher fee with credits and perks, this card delivers more value.
Apply for Premium RewardsRewards Earning: Detailed Comparison
AAA Travel Advantage
| Travel (via AAA Travel) | 5.0X |
| Gas stations & EV charging | 3.0X |
| Grocery stores | 3.0X |
| Everything else | 1.0X |
Premium Rewards
| Travel purchases | 2.0X |
| Dining | 2.0X |
| Everything else | 1.5X |
Card Benefits: Detailed Comparison
AAA Travel Advantage (0 benefits)
See full review for benefits details.
Premium Rewards (5 benefits)
- Trip Cancellation and Interruption Insurance (up to $2,500)
- Trip Delay Reimbursement
- Auto Rental Collision Damage Waiver
- Purchase Protection (up to $1,000)
- Extended Warranty