3 points at AAA store travel and insurance purchased thru them. 2 pnts on gas grocery and drug 1pnt everything else. either redeem for cash -- 5k points = $50; AAA vouche-- 5k points =$60. They say $60 voucher worth $75 at hertz. Not sure what else can be used for. Or, AAA auto repair vouchers 5k points= $55. Personally, I'm not a traveller so cash is good for me. But if you earn 3 points buying fee free gift cards (only Nov and Dec) it sounds like a great deal