Aerie Visa® Credit Card

BreadFinance Visa Pending

Back Apply Now

13

Benefits

2

Reward Categories

2x

Max Reward

30%

APR From
Basic Information
PENDING

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

Issuer: BreadFinance

Card Name: Aerie Visa® Credit Card

Card Type: Credit

Network: Visa

Card Tier:

Approved: Pending

Data Complete: Complete

Created: Jan 10, 2026 10:32

Last Scraped: Feb 07, 2026 04:17

Apply URL: Visit

Home URL: Visit

SCRA Benefits (Military Members)

Federal law provides important protections to members of the Armed Forces and their dependents. The cost of credit to a member of the Armed Forces and their dependent may not exceed an annual percentage rate of 36 percent, including fees for ancillary products, application fees, and participation fees.

Rewards Program (Detailed) 2 Categories
PENDING
Category Rate Type Description Annual Cap Status
Aerie & American Eagle Purchases 2x Points Eligible purchases made at American Eagle and Aerie stores and websites in the U.S. and Canada. No Cap
All Other Purchases 1x Points Eligible purchases made everywhere else Visa credit cards are accepted. No Cap
Rewards Summary
PENDING
Benefits & Protections (Detailed) 13 Total
PENDING
Financial 2
Special Financing Offers
Varies by offer

Cardmembers may be eligible for special financing promotions on qualifying purchases made with their AEO/Aerie Real Rewards Credit Card.

No Annual Fee
$0

There is no annual fee associated with the AEO/Aerie Real Rewards Credit Card.

Lifestyle 1
Birthday Offer
Varies

Cardmembers receive a special offer during their birthday month.

Rewards 2
Accelerated Rewards Earning (AEO/Aerie)
2X points per $1

Earn 2 Real Rewards points for every $1 spent at American Eagle Outfitters and Aerie stores or online when using the AEO/Aerie Real Rewards Credit Card.

Standard Rewards Earning (Everywhere Else)
1X point per $1

Earn 1 Real Rewards point for every $1 spent on purchases made everywhere else Visa is accepted, when using the AEO/Aerie Real Rewards Credit Card.

Security 2
Zero Liability Protection
$0 liability

Protects cardholders from unauthorized purchases made with their card or account information. Cardholders are not responsible for fraudulent charges.

Lost/Stolen Card Reporting
Assistance with reporting

Provides assistance in reporting a lost or stolen card to the issuer and canceling the account to prevent fraudulent use.

Shopping 3
First Purchase Discount
20% off

Cardmembers receive 20% off their first American Eagle Outfitters or Aerie purchase when they open and use their AEO/Aerie Real Rewards Credit Card.

Free Standard Shipping
Free standard shipping

Cardmembers receive free standard shipping on purchases made at American Eagle Outfitters and Aerie when using their AEO/Aerie Real Rewards Credit Card.

Exclusive Cardmember Offers
Varies by offer

Cardmembers receive access to exclusive offers and promotions available only to AEO/Aerie Real Rewards Credit Card holders.

Travel Assistance 3
Emergency Card Replacement
Expedited replacement

Provides assistance with replacing a lost or stolen card quickly.

Emergency Cash Disbursement
Emergency cash access

Provides emergency cash from an accessible location if your card is lost or stolen.

Roadside Dispatch
Access to roadside assistance (fee-based)

A pay-per-use roadside assistance program available 24/7. Services include towing, tire changing, jump starting, lockout service, fuel delivery, and winching. Fees apply per service call.

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
Penalty APR: 29.99%
Min Interest Charge: $2.00
Additional Fees
PENDING
Late Fee: $41.00
Returned Payment: $41.00
Balance Transfer: Either $5 or 3% 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: 0.00%
Interest Rates & APR
PENDING
Standard APR

Purchase APR: 29.99% - 29.99%

Cash Advance APR: 29.99%

Intro APR Offers
Approval Criteria & Requirements
PENDING
Credit Score Requirements
Not specified
Not specified
Hard Pull Only
Application Process
Not Available
Not Available
Not specified
Issuer Rules & Policies
PENDING

Rules: Eligibility for the American Eagle Outfitters Visa Credit Card typically requires applicants to be 18 years or older, a U.S. resident with a valid SSN or ITIN, and possess a credit score generally in the fair to good range (e.g., FICO 670+). Approval is subject to BreadFinance's credit underwriting standards. Welcome bonuses are usually offered to new cardholders only, often in the form of a percentage discount on the first purchase (e.g., 15-20% off) or bonus points after meeting a small initial spend threshold. Subsequent applications for the same card may not qualify for a new welcome bonus if the applicant has held the card within a recent period (e.g., 24 months). Store-specific restrictions apply primarily to the redemption of rewards and exclusive cardholder benefits.

Max Cards Per Issuer: 7

Min Spend Interval: 3 months

Shutdown Risk Triggers: Manufactured spending (if applicable to rewards structure), high cumulative credit limit across all BreadFinance accounts, excessive credit seeking (multiple applications in a short period), late payments or defaults on any BreadFinance accounts, suspicious activity inconsistent with typical retail spending, or abuse of return policies/promotional offers.

Cliff Effect Rules: Welcome bonus eligibility is typically restricted to new cardholders who have not held the American Eagle Outfitters Visa Credit Card within a specified period (e.g., 24 months). There are generally no complex 'card family' rules beyond this for BreadFinance store cards, meaning eligibility for other BreadFinance-issued cards is assessed independently.

Special Events: Cardholders can expect exclusive early access to sales, bonus points days (e.g., 2x or 3x points on specific purchases), special cardholder-only discounts, and birthday offers throughout the year at American Eagle and Aerie.

Holiday Promos: Expect heightened promotional activity and bonus earning opportunities during major shopping holidays such as Black Friday, Cyber Monday, Christmas/Holiday season, Back-to-School, Memorial Day, and Labor Day.

International Friendly: No

User Analytics & Insights
PENDING
User Ratings

Average Rating: 2.7 / 5.0

Top Positive:
Good for frequent Aerie/American Eagle shoppers due to exclusive discounts and rewards. Offers a sign-up bonus and the Visa version provides rewards on general spending.

Top Negative:
High APR, poor customer service from Bread Financial, rewards can be difficult to redeem or expire, and low credit limits are common complaints.

Approval Experience: 65.0 / 100

Recommended Alternatives
  • Target RedCard
  • Gap Good Rewards Visa Card
  • Capital One SavorOne Cash Rewards Credit Card

Card Value Score: 55.0 / 100

Est. Annual Rewards: $125.00

Approval Probability: 75.0%

Version Control
PENDING

Version ID: January 2024

⚠️ Change Alert: Terms updated from October 2023 to January 2024.