AEO Connected Visa Credit Card
Basic Information
Program ID: american-eagle-outfitters-credit-card
Issuer: Synchrony
Card Type: Credit
Network: Visa
Card Tier: Standard
Data Complete: Yes
Created: 01/10/2026 08:25
Last Scraped: 01/15/2026 08:46
Fee Structure
| Annual Fee: | $0.00 |
| Year 1 Waived: | No |
| Effective Annual Fee: | $0.00 |
| Authorized User Fee: | $0.00 |
| Penalty APR: | 30.00% |
Additional Fees
| Late Fee: | $40.00 |
| Returned Payment: | $40.00 |
| Balance Transfer: | N/A |
| Cash Advance: | Either $10 or 5% of the amount of each cash advance, whichever is greater |
| Foreign Transaction: | 0.00% |
Interest Rates
Purchase APR Range: 2,999.00% - 2,999.00%
Intro Purchase APR: 0.00%
Intro APR Duration: 0 months
Balance Transfer APR: 0.00%
Intro BT APR: 0.00%
Intro BT Duration: 0 months
Cash Advance APR: 2,999.00%
Sign-Up Bonus
Bonus Amount: $0.00
Spending Requirement: $0.00
Time Period: 0 days
Bonus Timing: The welcome offer for the American Eagle Outfitters credit card is typically a percentage off the first purchase. This discount is applied immediately at checkout when the new card is used for the first time. There is no fixed points/miles/cash bonus, nor a specific spending requirement beyond making the first purchase.
Rewards Program
Reward Type: Points
Base Reward Rate: 2.00%
Bonus Reward Rate: 10.00%
Bonus Categories: 10x American Eagle & Aerie
Point Value Estimate: 0.0000 cents/point
Expiration Policy: Points expire 12 months after earning. Reward certificates expire 60 days after issuance.
Transfer Partners: None
Card Benefits
Protection Benefits
Travel Benefits
Premium Benefits
- Global Entry Credit: $0.00
- TSA PreCheck Credit: $0.00
Approval Criteria
Recommended FICO Range: 640 - 740
Approval Odds Category: Good
Pre-qualification Available
Soft Pull Supported
Hard Pull Bureau: Experian, TransUnion, Equifax
Issuer Rules
Rules: The American Eagle Outfitters Credit Card typically offers a first-purchase discount (e.g., 15-20% off) upon approval and ongoing rewards (e.g., 5 points per $1 spent at American Eagle and Aerie stores and online). Eligibility requirements for 2026 include being at least 18 years old (19 in Alabama and Nebraska), possessing a valid U.S. Social Security Number or Individual Taxpayer Identification Number, having a verifiable U.S. residential address, and meeting Synchrony Bank's credit underwriting standards. Applicants cannot hold an existing American Eagle Outfitters Credit Card account at the time of application.
Maximum Cards Per Issuer: 5
Minimum Spend Interval: N/A for primary welcome offer; promotional spend offers typically require completion within 30-90 days.
Shutdown Risk Triggers: Manufactured spending (though less common for store cards), high cumulative credit limit across Synchrony accounts, excessive credit seeking (multiple recent applications with Synchrony), defaulting on other Synchrony accounts, suspicious activity/fraud, abuse of promotional offers or rewards programs.
International Friendly
User Analytics & Insights
User Ratings
Average Rating: 3.7 / 5.0
Top Positive Feedback:
Card offers good rewards (4% back) and exclusive discounts (20% off first purchase, birthday offers, free shipping) for frequent American Eagle and Aerie shoppers. Approval is generally easy for those with fair credit.
Top Negative Feedback:
High Annual Percentage Rate (APR) makes carrying a balance very expensive. Rewards are limited to American Eagle and Aerie purchases, making it less useful for general spending. Some users report issues with Synchrony Bank customer service.
Approval Experience Score: 75.0 / 100
Recommended Alternatives
- Old Navy Credit Card
- Target RedCard
- Capital One QuicksilverOne Cash Rewards Credit Card
Card Value Score: 55.0 / 100
Est. Annual Rewards: $54.00
User Portfolio Metrics
Avg Portfolio Size: 3 cards
Avg Portfolio Age: 48 months
Store vs Co-brand: 100% Store / 0% General
Risk Assessment
Default Risk Group: Medium
Predicted Approval Probability: 85.0%
Terms Version Control
Version ID: v1.0