AAA Daily Advantage Visa Signature

The Daily Advantage is built around everyday spending: 5% back at grocery stores and 3% at gas and EV-charging stations and wholesale clubs, with no annual fee and no foreign transaction fee. The catch is the cap, and it is a shared one: those top categories draw from a single $500 per year cash back pool, after which everything drops to 1%. That works out to roughly $10,000 of grocery spending, or less if you split it across gas and club purchases, so heavy spenders will hit the ceiling well before year-end. The 3% on streaming and pharmacy purchases carries no cap, which makes those the quietly durable rates here. A $100 bonus after $1,000 in the first three months is modest but easy to clear, and the extra 5% when redeeming through AAA Northeast counselors is a small bump if you already book travel that way.