7
Benefits2
Reward Categories2x
Max Reward30%
APR FromBasic Information
PENDINGProgram ID: aerie-real-rewards-visa-card
Issuer: Synchrony
Card Name: Aerie Real Rewards Credit Card
Card Type: Credit
Network: Visa
Card Tier:
Approved: Pending
Data Complete: Complete
SCRA Benefits (Military Members)
Synchrony complies with the Servicemembers Civil Relief Act (SCRA), providing protections such as a 6% interest rate cap on certain pre-service obligations for eligible servicemembers.
Rewards Program (Detailed) 2 Categories
PENDING| Category | Rate | Type | Description | Annual Cap | Status |
|---|---|---|---|---|---|
| Aerie & American Eagle Purchases | 2x | Points | Net New Purchases made at Aerie and American Eagle stores in the U.S. and Puerto Rico and at ae.com and aerie.com. | No Cap | |
| All Other Purchases | 1x | Points | Net New Purchases made everywhere else Visa is accepted. | No Cap |
Rewards Summary
PENDINGReward Type: Points
Base Rate: 5x
Bonus Rate: 20x
Categories: 20x Aerie and American Eagle purchases
Quarterly Rotating: No
Expiration Policy: Points expire 13 months after they are earned. Rewards expire 60 days after issuance.
Point Value: 0¢
Redemption Penalties: Rewards are issued in $5 increments and cannot be used to purchase gift cards.
Benefits & Protections (Detailed) 7 Total
PENDINGLifestyle 1
Birthday Offer
Special offerAs an Aerie Real Rewards member, receive a special offer during your birthday month.
Shopping 6
Accelerated Rewards Earning at Aerie & American Eagle
2x points per $1Earn 2 Real Rewards points for every $1 spent on purchases at Aerie and American Eagle stores and online.
Universal Rewards Earning
1x point per $1Earn 1 Real Rewards point for every $1 spent on purchases everywhere else Visa is accepted.
First Purchase Discount
20% offReceive 20% off your first purchase made with the Aerie Real Rewards Credit Card at Aerie or American Eagle.
Free Shipping & Returns
FreeAs an Aerie Real Rewards member (which cardholders become), enjoy free shipping and returns on all orders.
Exclusive Cardmember Offers
Exclusive offersAccess to exclusive offers and promotions available only to Aerie Real Rewards members and cardholders.
Early Access to Sales
Early accessAs an Aerie Real Rewards member, gain early access to sales events.
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 |
| Year 1 Waived: | No |
| Effective Annual Fee: | $0.00 |
| Authorized User Fee: | $0.00 |
| 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
PENDINGStandard APR
Purchase APR: 29.99% - 34.99%
Balance Transfer APR: 34.99%
Cash Advance APR: 34.99%
Intro APR Offers
Promo Financing: Deferred Interest
Approval Criteria & Requirements
PENDINGCredit Score Requirements
Application Process
Issuer Rules & Policies
PENDINGRules: For 2026, new cardholders for the Aerie Real Rewards Visa Card are projected to receive a welcome offer, such as a percentage discount (e.g., 20%) on their first Aerie purchase made within 30-90 days of account opening, or bonus Real Rewards points after meeting a small spend threshold. Eligibility requirements include being at least 18 years old, a U.S. resident, and possessing a valid Social Security Number or ITIN. Approval generally requires fair to good credit (FICO score typically 640+). Synchrony evaluates overall creditworthiness, debt-to-income ratio, and recent credit inquiries. While not as strict as some issuers, multiple recent applications with Synchrony or other lenders may impact approval.
Max Cards Per Issuer: 5
Min Spend Interval: 3 months
Cliff Effect Rules: Synchrony does not typically enforce a 'cliff effect' based on card families or bonus eligibility like some major issuers. However, the total credit extended across all Synchrony accounts is a significant factor. Approvals for new cards or credit limit increases may be denied if the cumulative credit exposure is deemed too high relative to income and credit profile.
Special Events: Aerie's 'Real Rewards' program often features exclusive member-only sales, double/triple points events, birthday discounts, and seasonal promotions (e.g., 'Aerie Days,' 'Friends & Family' events, specific category sales).
Holiday Promos: Key retail holiday periods including Black Friday/Cyber Monday (late Nov), Christmas/Holiday Shopping Season (Dec), Valentine's Day (Feb), Mother's Day (May), Back-to-School (Aug), and seasonal clearance events.
International Friendly: No
User Analytics & Insights
PENDINGUser Ratings
Average Rating: 3.4 / 5.0
Top Positive:
Strong rewards and discounts for frequent Aerie/American Eagle shoppers, including free shipping and exclusive offers. Relatively easy approval process.
Top Negative:
High APR and low rewards rate on general purchases make it less appealing outside of Aerie/AE. Some users report issues with Synchrony customer service and expiring rewards.
Approval Experience: 75.0 / 100
Recommended Alternatives
- Gap Good Rewards Visa Card
- Old Navy Navyist Rewards Visa Card
- Kohl's Rewards Visa Card
Card Value Score: 65.0 / 100
Est. Annual Rewards: $90.00
Approval Probability: 75.0%
Version Control
PENDINGVersion ID: v1.0