7
Benefits2
Reward Categories2x
Max Reward30%
APR FromBasic Information
PENDINGRewards Program (Detailed) 2 Categories
PENDING| Category | Rate | Type | Description | Annual Cap | Status |
|---|---|---|---|---|---|
| American Eagle & Aerie Purchases | 2x | Points | Qualifying purchases at American Eagle® and Aerie® stores in the U.S. and Canada and at ae.com and aerie.com. | No Cap | |
| All Other Purchases | 1x | Points | Qualifying purchases made with the AEO Connected™ Visa® Credit Card outside of American Eagle® and Aerie® stores and websites. | No Cap |
Rewards Summary
PENDINGReward Type: Points
Base Rate: 1x
Bonus Rate: 10x
Categories: 10x at American Eagle and Aerie stores (online and in-store)
Quarterly Rotating: No
Expiration Policy: Points expire 24 months after they are earned.
Point Value: 0¢
Travel Portal Multiplier: 1x
Redemption Penalties: Rewards are issued in $5 increments upon reaching 1,250 points. Rewards must be redeemed at American Eagle or Aerie stores.
Benefits & Protections (Detailed) 7 Total
PENDINGLifestyle 1
Special Event Access
VariesGain access to special events for AEO Connected Visa Credit Cardmembers.
Shopping 6
AEO & Aerie Purchase Rewards
2x points per $1Earn 2 points for every $1 spent on purchases at American Eagle and Aerie stores and online with your AEO Connected Visa Credit Card.
Everyday Purchase Rewards
1x point per $1Earn 1 point for every $1 spent on purchases made everywhere else Visa credit cards are accepted with your AEO Connected Visa Credit Card.
New Cardmember Discount
20% offReceive a 20% off coupon when you open and use your AEO Connected Visa Credit Card.
Birthday Discount
20% offReceive a 20% off coupon on your birthday as an AEO Connected Visa Credit Cardmember.
Free Standard Shipping
Free standard shippingEnjoy free standard shipping on all purchases made at American Eagle and Aerie with your AEO Connected Visa Credit Card.
Exclusive Cardmember Offers
VariesAccess to special, exclusive offers available only to AEO Connected Visa Credit Cardmembers.
Benefits Summary (Flags)
PENDINGExtended Warranty
Purchase Protection
Cell Phone Protection
Travel Insurance
Primary Rental Protection
Airport Lounge Access
Trip Delay Coverage
Lost Luggage Coverage
Price Protection
Concierge Service
No Foreign Fees
ShopRunner
Sign-Up Bonus
No Sign-Up Bonus Available
Click "Get Data" button below to fetch sign-up bonus information.
Fee Structure
PENDING| Annual Fee: | $0.00 |
| Effective Annual Fee: | $0.00 |
Additional Fees
PENDING| Late Fee: | $41.00 |
| Returned Payment: | $41.00 |
| Cash Advance: | Either $10 or 5% of the amount of each cash advance, whichever is greater |
| Foreign Transaction: | 0.00% |
Interest Rates & APR
PENDINGStandard APR
Purchase APR: 29.99% - 29.99%
Intro APR Offers
Promo Financing: No Interest if paid in full
Promo Duration: 6 months
Approval Criteria & Requirements
PENDINGCredit Score Requirements
Application Process
Issuer Rules & Policies
PENDINGRules: Projected rules for 2026 based on current Synchrony and AEO Visa card patterns: **Eligibility Requirements:** * Must be 18 years or older. * Must have a valid U.S. Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN). * Must have a valid U.S. mailing address. * Must have a verifiable source of income. * Subject to credit approval by Synchrony Bank, which includes a review of credit history. **Bonus & Application Rules:** * **Initial Bonus:** Typically, a percentage discount (e.g., 15-20%) on the first purchase made with the card immediately upon approval. * **Ongoing Rewards:** Earn points per dollar spent at American Eagle and Aerie stores (often 2x points) and a lower rate elsewhere Visa is accepted (e.g., 1x point). * **Application:** Can be applied for online or in-store. Instant credit decisions are common. * **Store-Specific Restrictions:** Rewards and promotional offers are primarily geared towards purchases made at American Eagle and Aerie brands. Points may not be earned on gift card purchases or certain services.
Max Cards Per Issuer: 7
Min Spend Interval: N/A for ongoing rewards; immediate for first purchase discount.
Cliff Effect Rules: Synchrony does not have widely published 'cliff effect' rules similar to major bank issuers (e.g., Chase 5/24). Approval is primarily based on individual creditworthiness, existing Synchrony exposure, and recent credit inquiries. However, opening too many accounts with Synchrony in a short period can lead to denials or account reviews.
Special Events: Frequent in-store and online promotions, double points days, birthday discounts, and exclusive cardholder-only sales events, particularly around seasonal changes and new product launches.
Holiday Promos: Major retail holidays such as Black Friday, Cyber Monday, Christmas/Holiday Season, Back-to-School, Memorial Day, Labor Day, and Valentine's Day.
International Friendly: No
User Analytics & Insights
PENDINGUser Ratings
Average Rating: 3.5 / 5.0
Top Positive:
Good for AEO shoppers, easy rewards, decent discounts, occasional bonus offers.
Top Negative:
Low rewards outside AEO, high interest rates, limited benefits compared to general cash back cards.
Approval Experience: 70.0 / 100
Recommended Alternatives
- Target RedCard
- Amazon Prime Rewards Visa Signature
- Capital One Quicksilver
Card Value Score: 65.0 / 100
Est. Annual Rewards: $130.00
Approval Probability: 75.0%
Version Control
PENDINGVersion ID: v1.0