Aerie Real Rewards Credit Card

Synchrony Pending

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18

Benefits

2

Reward Categories

2x

Max Reward

30%

APR From
Basic Information
PENDING

Program ID: aerie-real-rewards-credit-card

Issuer: Synchrony

Card Name: Aerie Real Rewards Credit Card

Card Type: Credit

Network:

Card Tier:

Approved: Pending

Data Complete: Complete

Created: Feb 16, 2026 06:35

Last Scraped: Feb 16, 2026 06:37

Apply URL: Visit

Home URL: Visit

Rewards Program (Detailed) 2 Categories
PENDING
Category Rate Type Description Annual Cap Status
Aerie & American Eagle Purchases 2x Points Purchases made at Aerie and American Eagle stores and online. No Cap
All Other Purchases 1x Points Purchases made everywhere else Visa is accepted. No Cap
Rewards Summary
PENDING

Reward Type: Points

Base Rate: 1x

Bonus Rate: 2x

Categories: Aerie and American Eagle purchases

Quarterly Rotating: No

Expiration Policy: Points expire 12 months from the date they are earned.

Point Value: 0¢

Travel Portal Multiplier: 1x

Redemption Penalties: Rewards are issued in $5 increments and can only be redeemed for purchases at Aerie or American Eagle.

Benefits & Protections (Detailed) 18 Total
PENDING
Account Management 1
Online Account Management
Online access

Manage your Aerie Real Rewards Credit Card account online, including viewing statements, making payments, and updating personal information.

Lifestyle 3
Gold Status Birthday Offer
Special birthday offer

As an Aerie Real Rewards Gold Status member (granted by the credit card), receive a special offer during your birthday month.

Gold Status Personalized Offers
Personalized offers

As an Aerie Real Rewards Gold Status member (granted by the credit card), receive personalized offers.

Gold Status Member-Only Events
Access to member-only events

As an Aerie Real Rewards Gold Status member (granted by the credit card), gain access to member-only events.

Rewards 4
Aerie & American Eagle Purchase Points
2x points per $1

Earn 2 points for every $1 spent on purchases at Aerie and American Eagle stores and online.

Everywhere Else Purchase Points (Visa)
1x point per $1

Earn 1 point for every $1 spent on purchases everywhere else Visa is accepted. (Applies to Aerie Real Rewards Visa Credit Card).

Reward Certificate Redemption
$5 reward for 1,250 points

Receive a $5 reward certificate for every 1,250 points earned.

Gold Status Bonus Point Events
Bonus point eligibility

As an Aerie Real Rewards Gold Status member (granted by the credit card), be eligible for special bonus point earning events.

Security 3
Zero Fraud Liability
No liability for unauthorized charges

You are not responsible for unauthorized charges made with your Aerie Real Rewards Credit Card.

Fraud Protection
Account monitoring

Your account is monitored for suspicious activity to help protect you from fraud.

Account Alerts
Customizable alerts

Receive optional alerts for account activity, payment reminders, and other important information.

Shopping 6
First Purchase Discount
20% off

Receive 20% off your first purchase when you open and use your Aerie Real Rewards Credit Card.

Free Standard Shipping with Card Use
Free standard shipping

Enjoy free standard shipping on Aerie and American Eagle purchases when you use your Aerie Real Rewards Credit Card.

Gold Status Free Shipping & Returns
Free standard shipping & returns

As an Aerie Real Rewards Gold Status member (granted by the credit card), receive free standard shipping and returns on all Aerie and American Eagle purchases.

Gold Status Exclusive Offers
Exclusive offers

As an Aerie Real Rewards Gold Status member (granted by the credit card), gain access to exclusive offers and promotions.

Gold Status Early Access to Sales
Early access

As an Aerie Real Rewards Gold Status member (granted by the credit card), receive early access to sales events at Aerie and American Eagle.

Cardmember-Only Savings Events
Exclusive savings events

Access to exclusive savings events specifically for Aerie Real Rewards Credit Cardmembers.

Status Benefits 1
Automatic Gold Status Upgrade
Gold Status

Upon approval for the Aerie Real Rewards Credit Card, you are automatically upgraded to Gold Status in the Aerie Real Rewards program.

Benefits Summary (Flags)
PENDING

Extended 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
Year 1 Waived: No
Effective Annual Fee: $0.00
Authorized User Fee: $0.00
Penalty APR: 29.99%
Min Interest Charge: $2.00
Additional Fees
PENDING
Late Fee: $41.00
Returned Payment: $41.00
Balance Transfer: Either $10 or 5% of the amount of each balance transfer, whichever is greater.
Cash Advance: Either $10 or 5% of the amount of each cash advance, whichever is greater.
Foreign Transaction: 0.00%
Interest Rates & APR
PENDING
Standard APR

Purchase APR: 29.99% - 29.99%

Cash Advance APR: 29.99%

Intro APR Offers
Approval Criteria & Requirements
PENDING
Credit Score Requirements
580 - 669
Good
Not specified
Application Process
Not specified
Not specified
Experian, TransUnion, Equifax
Issuer Rules & Policies
PENDING

Rules: For 2026, the Aerie Real Rewards Credit Card, issued by Synchrony, is expected to maintain similar application and bonus rules. Eligibility typically requires applicants to be a U.S. resident, 18 years or older, possess a valid Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN), and have a credit score generally in the good to excellent range (FICO 670+), though approvals can occur with lower scores depending on overall credit profile. Bonus offers are commonly a percentage discount on the first purchase (e.g., 20-25% off) or a small statement credit (e.g., $25) after meeting a minimal spend threshold within a short introductory period.

Max Cards Per Issuer: 6

Min Spend Interval: 30-90 days

Shutdown Risk Triggers: Manufactured spending (less common for store cards but still a risk), rapid application for multiple Synchrony cards, high cumulative credit limit across Synchrony accounts, extended periods of inactivity, missed payments, excessive utilization, abuse of promotional financing offers, or suspected fraud.

Cliff Effect Rules: While there isn't a direct 'cliff effect' like with premium travel cards, accumulating too many Synchrony store cards or a high total credit limit across Synchrony accounts can lead to increased scrutiny, denials for new applications, or credit limit reductions on existing cards due to overall credit exposure concerns.

Special Events: Exclusive cardholder discounts, early access to sales, birthday rewards, double/triple points events, free shipping offers, special financing promotions, and anniversary bonuses.

Holiday Promos: Black Friday/Cyber Monday (November), Christmas/Holiday Season (December), Valentine's Day (February), Mother's Day (May), Father's Day (June), Back-to-School (August), Labor Day (September), and Memorial Day (May).

International Friendly: No

User Analytics & Insights
PENDING
User Ratings

Average Rating: 3.8 / 5.0

Top Positive:
Easy approval process, good rewards for Aerie/American Eagle purchases, exclusive discounts and birthday offers, helpful for building credit.

Top Negative:
High APR, rewards are primarily useful only at Aerie/American Eagle, reports of poor customer service from Synchrony, rewards can expire.

Approval Experience: 75.0 / 100

Recommended Alternatives
  • Target RedCard
  • Amazon Store Card
  • Capital One QuicksilverOne

Card Value Score: 60.0 / 100

Est. Annual Rewards: $75.00

Approval Probability: 75.0%

Version Control
PENDING

Version ID: October 2023