11
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 | Earn 2x points on every purchase at American Eagle® & Aerie® stores and online with an AEO Connected Credit Card or AEO Connected Visa Credit Card. | No Cap | |
| All Other Purchases | 1x | Points | Earn 1x point on every purchase everywhere else Visa® is accepted with an AEO Connected Visa Credit Card. | No Cap |
Rewards Summary
PENDINGReward Type: Points
Base Rate: 1x
Bonus Rate: 10x
Categories: Purchases at American Eagle Outfitters and Aerie stores and online
Quarterly Rotating: No
Expiration Policy: Points expire 12 months after earning. Issued rewards expire 45 days after issuance.
Point Value: 0.01¢
Travel Portal Multiplier: 1x
Redemption Penalties: Rewards are only redeemable at American Eagle Outfitters and Aerie. Minimum redemption value of $10 applies (1250 points).
Benefits & Protections (Detailed) 11 Total
PENDINGLifestyle 2
Members-Only Content
Access to contentAccess to exclusive content available only to Real Rewards members (includes cardholders).
Free Bra Fittings
Free fittingReceive complimentary bra fittings at Aerie stores as a Real Rewards member (includes cardholders).
Shopping 9
Accelerated Rewards Earning (AE & Aerie)
2x points per $1Earn 2 points for every $1 spent on purchases at American Eagle and Aerie stores and online when using your American Eagle Outfitters Credit Card.
Standard Rewards Earning (Everywhere Else - Visa)
1x point per $1Earn 1 point for every $1 spent on purchases everywhere else Visa credit cards are accepted, applicable to the American Eagle Outfitters Connected Visa Credit Card.
Rewards Redemption
$5 reward for 1,250 pointsReceive a $5 reward certificate for every 1,250 points earned through the Real Rewards program.
Birthday Discount
20% offReceive a 20% discount on your entire purchase during your birthday month as an American Eagle Outfitters Credit Cardmember.
Free Standard Shipping
Free standard shippingEnjoy free standard shipping on all American Eagle and Aerie purchases when using your American Eagle Outfitters Credit Card.
Exclusive Cardmember Offers
VariesAccess to special, exclusive offers available only to American Eagle Outfitters Credit Cardmembers throughout the year.
Early Access to Sales & Events
Early accessGet early access to sales and special events as a Real Rewards member (includes cardholders).
Personalized Offers
VariesReceive personalized offers tailored to your shopping preferences as a Real Rewards member (includes cardholders).
Free Returns
Free returnsEnjoy free returns on all American Eagle and Aerie purchases as a Real Rewards member (includes cardholders).
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 |
| Min Interest Charge: | $2.00 |
Additional Fees
PENDING| Late Fee: | $41.00 |
| Returned Payment: | $41.00 |
| Foreign Transaction: | 0.00% |
Interest Rates & APR
PENDINGStandard APR
Purchase APR: 29.99% - 29.99%
Cash Advance APR: 29.99%
Intro APR Offers
Promo Financing: Deferred Interest
Promo Duration: 6 months
Approval Criteria & Requirements
PENDINGCredit Score Requirements
Application Process
Issuer Rules & Policies
PENDINGRules: 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.
Max Cards Per Issuer: 5
Min Spend Interval: N/A for primary welcome offer; promotional spend offers typically require completion within 30-90 days.
Cliff Effect Rules: There are no explicit 'cliff effect' rules similar to general-purpose credit cards (e.g., Chase 5/24). However, Synchrony Bank's internal underwriting models will assess overall credit exposure and recent application history across all Synchrony-issued cards, which may indirectly limit approvals for new accounts if internal thresholds are met.
Special Events: Cardholders can expect exclusive discounts, double points days, birthday rewards, early access to sales events (e.g., Black Friday previews, seasonal clearances), and personalized offers throughout the year.
Holiday Promos: Key promotional periods include Black Friday, Cyber Monday, the entire Christmas/Holiday shopping season, Back-to-School, Memorial Day, Labor Day, and other major U.S. holidays.
International Friendly: No
User Analytics & Insights
PENDINGUser Ratings
Average Rating: 3.7 / 5.0
Top Positive:
Card offers excellent rewards and discounts for frequent American Eagle shoppers, including birthday perks and free shipping. Approval is generally easy, making it accessible for many.
Top Negative:
Users frequently report high APRs and significant issues with Synchrony Bank's customer service, including long wait times and difficulty resolving disputes. Rewards are limited to American Eagle purchases.
Approval Experience: 78.0 / 100
Recommended Alternatives
- Target RedCard
- Capital One SavorOne Rewards Credit Card
- Chase Freedom Unlimited
Card Value Score: 72.0 / 100
Est. Annual Rewards: $50.00
Approval Probability: 82.0%
Version Control
PENDINGVersion ID: v1.0