Aerie Visa® Credit Card

Synchrony Visa Pending

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15

Benefits

2

Reward Categories

2x

Max Reward

30%

APR From
Basic Information
PENDING

Program ID: american-eagle-outfitters-visa-card

Issuer: Synchrony

Card Name: Aerie Visa® Credit Card

Card Type: Credit

Network: Visa

Card Tier:

Approved: Pending

Data Complete: Complete

Created: Jan 10, 2026 08:58

Last Scraped: Feb 07, 2026 05:32

Apply URL: Visit

Home URL: Visit

SCRA Benefits (Military Members)

Synchrony Bank offers benefits under the Servicemembers Civil Relief Act (SCRA) for eligible servicemembers. Contact 1-866-893-7864 to learn more about the benefits that may be available.

Rewards Program (Detailed) 2 Categories
PENDING
Category Rate Type Description Annual Cap Status
American Eagle & Aerie Purchases 2x Points Net eligible purchases made at American Eagle and Aerie stores in the U.S. and Puerto Rico, and at ae.com and aerie.com. No Cap
All Other Purchases 1x Points Net eligible purchases made everywhere else Visa credit cards are accepted. No Cap
Rewards Summary
PENDING

Reward Type: AEO Rewards Points

Base Rate: 1x

Bonus Rate: 2x

Categories: American Eagle Outfitters and Aerie purchases

Quarterly Rotating: No

Expiration Policy: Points expire 24 months from the date they are earned.

Point Value: 0.01¢

Travel Portal Multiplier: 1x

Redemption Penalties: Points are only redeemable for American Eagle Outfitters and Aerie merchandise.

Benefits & Protections (Detailed) 15 Total
PENDING
Lifestyle 1
Birthday Offer
Special offer

Cardmembers receive a special offer during their birthday month.

Purchase Protection 2
Visa Purchase Security
Up to $500 per claim, $50,000 per cardholder

Replaces, repairs, or reimburses eligible items of personal property purchased with the card that are stolen or damaged within 90 days of purchase. Coverage is secondary to other applicable insurance.

Visa Extended Warranty Protection
Up to one additional year, up to $10,000 per claim, $50,000 per cardholder

Extends the manufacturer's original warranty for eligible items purchased with the card. Adds up to one additional year on eligible warranties of three years or less. Coverage is secondary to other applicable insurance.

Security 4
Visa Zero Liability Protection
Full protection against unauthorized charges

Protects cardholders from unauthorized use of their card or account information. Cardholders are not responsible for unauthorized charges made with their Visa card.

Visa Lost/Stolen Card Reporting
Assistance service

Provides assistance in reporting a lost or stolen card and preventing unauthorized use.

Visa Emergency Card Replacement
Expedited card replacement

Provides expedited replacement of a lost or stolen card.

Visa Emergency Cash Disbursement
Emergency cash access

Provides emergency cash if the card is lost or stolen, subject to available credit.

Shopping 5
AEO/Aerie Purchase Rewards
2x points per $1

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

Everyday Purchase Rewards
1x point per $1

Cardmembers earn 1 point for every $1 spent on purchases made everywhere Visa® is accepted outside of American Eagle® and Aerie®.

First Purchase Discount
20% off

Receive a 20% discount on your first purchase when you open and use your AEO Connected® Visa® Card.

Free Standard Shipping
Free standard shipping

Cardmembers receive free standard shipping on all purchases made at American Eagle® and Aerie® stores and online.

Exclusive Cardmember Offers
Exclusive offers

Cardmembers receive access to exclusive discounts and promotional offers available only to cardholders.

Travel Insurance 3
Visa Travel and Emergency Assistance Services
Referral service

Provides a referral service for medical, legal, and travel-related emergencies while traveling. Cardholders are responsible for the cost of services.

Visa Roadside Dispatch
Pay-per-use roadside assistance

A pay-per-use roadside assistance program. Cardholders can call for services like towing, tire changing, jump starting, lockout service, and fuel delivery.

Visa Auto Rental Collision Damage Waiver
Coverage for collision/theft of rental vehicle

Provides secondary coverage for damage due to collision or theft to most rental vehicles when the card is used to pay for the entire rental and the rental company's collision damage waiver is declined.

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
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%

Balance Transfer APR: 29.99%

Cash Advance APR: 29.99%

Intro APR Offers
Approval Criteria & Requirements
PENDING
Credit Score Requirements
670 - 739
Good
Hard Pull Only
Application Process
Not Available
Not Available
Experian, Equifax, TransUnion
Issuer Rules & Policies
PENDING

Rules: The American Eagle Outfitters Visa Card typically offers an initial discount (e.g., 20% off) on the first purchase upon approval. For 2026, eligibility requirements are projected to remain consistent: applicants must be at least 18 years old (19 in AL/NE), a US resident with a valid Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN), and possess a satisfactory credit history. Synchrony is known to be sensitive to recent credit applications and the total number of open accounts. Store-specific restrictions apply to rewards redemption, promotional offers, and certain purchase categories.

Max Cards Per Issuer: 5

Min Spend Interval: N/A (bonus typically immediate on first purchase)

Shutdown Risk Triggers: High cumulative credit limit across Synchrony accounts, excessive recent credit applications, missed or late payments, suspected abuse of return policies (especially relevant for store cards), or fraudulent activity. While less common for store cards, manufactured spending could also be a trigger if rewards are abused.

Cliff Effect Rules: Synchrony does not have strict 'cliff effect' rules like some other issuers regarding bonus eligibility for card families. However, approvals for new Synchrony cards can be impacted by the total credit extended across existing Synchrony accounts, leading to denials if the cumulative credit limit is deemed too high or if there are too many open accounts with the issuer.

Special Events: Cardholder-exclusive sales events, bonus points days (e.g., double points on specific categories or days), birthday discounts, and early access to new collections or promotions.

Holiday Promos: Black Friday, Cyber Monday, Christmas/Holiday Season, Back-to-School, Mother's Day, Father's Day, and other seasonal sales events.

International Friendly: No

User Analytics & Insights
PENDING
User Ratings

Average Rating: 2.9 / 5.0

Top Positive:
Good for loyal shoppers with frequent discounts and rewards at Aerie/American Eagle. Offers special birthday discounts and exclusive cardholder promotions.

Top Negative:
High APR, frequent complaints about Synchrony Bank's customer service, rewards can be confusing or expire quickly, and the card's value diminishes significantly if not used regularly at Aerie/AE.

Approval Experience: 70.0 / 100

Recommended Alternatives
  • Target RedCard
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Card Value Score: 60.0 / 100

Est. Annual Rewards: $150.00

Approval Probability: 70.0%

Version Control
PENDING

Version ID: v1.0