Aerie Visa® Credit Card
Basic Information
Program ID: american-eagle-outfitters-visa-card
Issuer: Synchrony
Card Type: Credit
Network: Visa
Card Tier: Standard
Data Complete: Yes
Created: 01/10/2026 08:58
Last Scraped: 01/15/2026 09:25
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: | Either $10 or 5% of the amount of each transfer, whichever is greater. |
| Cash Advance: | Either $10 or 5% of the amount of each cash advance, whichever is greater. |
| Foreign Transaction: | 3.00% |
Interest Rates
Purchase APR Range: 2,999.00% - 2,999.00%
Intro Purchase APR: 0.00%
Intro APR Duration: 0 months
Balance Transfer APR: 2,999.00%
Intro BT APR: 0.00%
Intro BT Duration: 0 months
Cash Advance APR: 2,999.00%
Sign-Up Bonus
Bonus Amount: $25.00
Spending Requirement: $100.00
Time Period: 90 days
Bonus Timing: Typically within 8-12 weeks after the spending requirement is met, posted as AEO Rewards.
Rewards Program
Reward Type: Points
Base Reward Rate: 1.00%
Bonus Reward Rate: 2.00%
Bonus Categories: 2x points per $1 spent at American Eagle and Aerie stores and online; 1x point per $1 spent everywhere else Visa is accepted.
Point Value Estimate: 0.0100 cents/point
Expiration Policy: Points expire 24 months after they are earned if not redeemed. Reward certificates issued from points also have expiration dates (typically 60 days).
Card Benefits
Protection Benefits
- Extended Warranty
- Purchase Protection
- Cell Phone Protection
- Price Protection
Travel Benefits
- Travel Insurance
- Primary Rental Protection
- Trip Delay Coverage
- Lost Luggage Coverage
- No Foreign Transaction Fees
Premium Benefits
- Airport Lounge Access
- Concierge Service
- Global Entry Credit: $0.00
- TSA PreCheck Credit: $0.00
Approval Criteria
Recommended FICO Range: 670 - 850
Approval Odds Category: Good
Pre-qualification Available
Soft Pull Supported
Hard Pull Bureau: Multiple (Experian, TransUnion, Equifax)
Issuer Rules
Rules: For 2026, applicants must be 18 years or older (19 in AL/NE), a US resident with a valid SSN or ITIN, and meet Synchrony's creditworthiness criteria. Approval is subject to credit history, existing Synchrony account limits, and recent application activity. The typical sign-up bonus for new accounts is expected to be a percentage off the first purchase made with the card (e.g., 20% or 25%), often with specific redemption terms and exclusions. Synchrony may limit the number of new accounts opened within a specific timeframe.
Maximum Cards Per Issuer: 5
Minimum Spend Interval: Immediate (for first purchase discount)
Shutdown Risk Triggers: Manufactured spending, excessive returns, high cumulative credit limit across Synchrony accounts, rapid application for multiple Synchrony cards, failure to pay, suspicious activity, or breach of cardholder agreement terms.
International Friendly
User Analytics & Insights
User Ratings
Average Rating: 3.2 / 5.0
Top Positive Feedback:
Frequent shoppers appreciate the exclusive discounts, birthday offers, and free shipping benefits, making it rewarding for loyal Aerie/AEO customers.
Top Negative Feedback:
Common complaints include high APR, low credit limits, and frustrating customer service experiences with Synchrony Bank, along with issues managing accounts and expiring rewards.
Approval Experience Score: 70.0 / 100
Recommended Alternatives
- Target RedCard
- Capital One SavorOne Rewards Credit Card
- Discover it Cash Back
Card Value Score: 65.0 / 100
Est. Annual Rewards: $60.00
User Portfolio Metrics
Avg Portfolio Size: 2 cards
Avg Portfolio Age: 36 months
Store vs Co-brand: 35% Store / 65% General
Risk Assessment
Default Risk Group: Medium
Predicted Approval Probability: 75.0%
Terms Version Control
Version ID: v1.0