AAA Travel Advantage vs Premium Rewards Elite
AAA Travel Advantage
$0/yr
7.0/10
VS
Premium Rewards Elite
$550/yr
5.5/10
Quick Answer
AAA Travel Advantage charges no annual fee with 1X base rewards. Premium Rewards Elite charges $550/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 $550)
Rewards Earning
AAA Travel Advantage
4 earning categories
Benefits & Protection
See card details
Visit each card's review for full benefits list
Statement Credits
Premium Rewards Elite
$550 in annual credits
Flexibility
Tie
Both cards have similar redemption flexibility
OUR PICK
AAA Travel Advantage wins for most people
The $550 fee difference is hard to justify unless you maximize premium benefits.
Apply for AAA Travel AdvantagePREMIUM PICK
Premium Rewards Elite wins for heavy spenders
If you can offset the higher fee with credits and perks, this card delivers more value.
Apply for Premium Rewards EliteRewards 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 Elite
| Travel & dining | 2.0X |
| Everything else | 1.5X |