www.mountainwest.aaa.com/financial/aaa-credit-card – How To Pay AAA Credit Card Bill Online
aaa.com/creditcard or comenity.net/aaamemberrewards.
The AAA Member Rewards Visa® and AAA Advantage Credit Cards reward automobile club members with maximum value on travel and daily spending—offering up to 5% cash back on grocery purchases, 3% cash back on travel, AAA purchases, gas stations, and electric vehicle (EV) charging stations, and 1% on all other purchases with zero annual fees.
Whether you need to log in to the AAA Credit Card Account Center, make an immediate one-time guest payment via Comenity EasyPay, set up automatic recurring monthly AutoPay, redeem cash back for statement credits or AAA membership dues, or contact cardholder care, this comprehensive guide covers every payment channel and cardholder contact.
AAA Credit Card Payment Options Overview
Compare available payment options, fees, and posting speeds:
| Payment Channel | Convenience Fee | Posting Speed |
|---|---|---|
| Comenity Account Center (Bank ACH) | $0.00 (Free) | Same-Day Credit if made by 8:00 PM EST |
| Comenity EasyPay (Guest Pay) | $0.00 (Free) | Immediate Credit |
| AutoPay (Automatic Bank Draft) | $0.00 (Free) | On Monthly Payment Due Date |
| Automated Phone System (IVR) | $0.00 (Free) | Instant Confirmation |
How to Pay Your AAA Credit Card Online (Step-by-Step)
Method 1: Pay via Comenity AAA Account Center
- Navigate to: comenity.net/aaamemberrewards (or via
aaa.com/creditcard). - Enter your User Name and Password and click “Sign In”.
- Navigate to the “Payments > Pay Bill” tab.
- Select payment amount: Minimum Payment Due, Full Statement Balance, or Custom Amount.
- Enter your checking account routing number and bank account number.
- Submit payment to receive an instant electronic confirmation receipt.
Method 2: Pay as Guest via Comenity EasyPay
- Click “Comenity EasyPay” on the portal banner.
- Enter your AAA Credit Card Account Number, ZIP Code, and the last 4 digits of your SSN.
- Enter bank checking account details and submit payment with zero fees.
Alternative Payment Channels
- Pay by Phone: Call Comenity AAA Cardholder Services toll-free at 1-855-279-2620.
- Pay by Mail: Send payment check with statement coupon to:
Comenity Capital Bank – AAA Member Rewards
P.O. Box 659820
San Antonio, TX 78265-9820
AAA Credit Card Support Directory
- Cardholder Customer Service: 1-855-279-2620 (Mon–Sat 8:00 AM – 9:00 PM EST)
- Hearing Impaired (TDD/TTY): 1-888-819-8386
- Official Automobile Club Portal: aaa.com
- Bank Issuer: Comenity Capital Bank / Bread Financial, Salt Lake City, UT
Frequently Asked Questions (FAQ)
Can I pay my AAA auto insurance with my AAA credit card?
Yes. Using your AAA credit card to pay for AAA auto insurance premiums or AAA travel bookings qualifies for enhanced bonus reward points.
How do I redeem my AAA cash back rewards?
You can redeem points starting at $25 for statement credits directly toward your credit card balance, direct deposits to a U.S. bank account, or AAA club gift cards.
Related Travel & Reward Card Guides:
Disclaimer: BillPayment.guide is an independent consumer credit guide and is not affiliated with, endorsed by, or operated by American Automobile Association (AAA) or Comenity Capital Bank. All trademarks belong to their respective owners.
Anisur Rahman brings over 17 years of experience at the intersection of complex technology and digital strategy to BillPayment.guide. Active in the digital space since 2009, Anisur uses his deep industry insights to break down financial technologies, secure online payment methods, and digital platforms. His actionable guides help readers navigate the fast-paced digital economy and manage their online transactions with confidence.
