Aerie Credit Card
Basic Information
Program ID: american-eagle-outfitters-visa-credit-card
Issuer: BreadFinance
Card Type: Credit
Network: Visa
Card Tier: Standard
Data Complete: Yes
Created: 01/10/2026 10:32
Last Scraped: 01/15/2026 11:11
Fee Structure
| Annual Fee: | $0.00 |
| Year 1 Waived: | No |
| Effective Annual Fee: | $0.00 |
| Authorized User Fee: | $0.00 |
| Penalty APR: | 2,999.00% |
Additional Fees
| Late Fee: | $40.00 |
| Returned Payment: | $40.00 |
| 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
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: $0.00
Spending Requirement: $1.00
Time Period: 0 days
Bonus Timing: The welcome offer is 20% off your first purchase, applied instantly at checkout when you open and use your AEO & Aerie Real Rewards Credit Card.
Rewards Program
Reward Type: Points
Base Reward Rate: 1.00%
Bonus Reward Rate: 2.00%
Bonus Categories: 2x American Eagle & Aerie purchases
Point Value Estimate: 0.0100 cents/point
Expiration Policy: Points expire 12 months after earning if not redeemed. Issued rewards also have an expiration date.
Transfer Partners: None
Card Benefits
Protection Benefits
Travel Benefits
Premium Benefits
Approval Criteria
Recommended FICO Range: 670 - 850
Approval Odds Category: Good
Pre-qualification Available
Soft Pull Supported
Hard Pull Bureau: Varies (Experian, TransUnion, Equifax)
Issuer Rules
Rules: Eligibility requirements for the American Eagle Outfitters Visa Credit Card in 2026 include being 18 years or older, a U.S. resident with a valid Social Security Number or ITIN. Approval is subject to creditworthiness, including credit history and income, as assessed by BreadFinance. Bonus rules typically involve an initial discount (e.g., 15-20% off) on the first purchase made with the card. Ongoing rewards are earned as points per dollar spent at American Eagle and Aerie, and a lower rate on all other Visa purchases, which convert into rewards certificates. Application rules follow a standard credit application process, with BreadFinance (formerly Comenity) generally considering applicants with fair to excellent credit.
Maximum Cards Per Issuer: 5
Minimum Spend Interval: N/A for traditional spend bonus; initial offers typically apply to first purchase.
Shutdown Risk Triggers: Manufactured spending (though less common for store cards), excessive returns or suspected fraudulent activity, repeatedly missing or making late payments, high cumulative credit limit across multiple BreadFinance/Comenity cards without corresponding income/spending, sudden drastic changes in spending patterns, and extended periods of account inactivity followed by large transactions.
International Friendly
User Analytics & Insights
User Ratings
Average Rating: 3.2 / 5.0
Top Positive Feedback:
Excellent rewards and discounts for frequent Aerie and American Eagle shoppers, exclusive member perks and early access to sales, easy to earn and redeem points within the brands.
Top Negative Feedback:
High Annual Percentage Rate (APR), limited value for spending outside of Aerie/American Eagle stores, customer service can be inconsistent, rewards may have expiration dates.
Approval Experience Score: 70.0 / 100
Recommended Alternatives
- Old Navy Visa Credit Card
- Target RedCard
- Capital One Platinum Secured Credit Card
Card Value Score: 65.0 / 100
Est. Annual Rewards: $250.00
User Portfolio Metrics
Avg Portfolio Size: 3 cards
Avg Portfolio Age: 36 months
Store vs Co-brand: 30% General / 70% Store
Risk Assessment
Default Risk Group: Medium
Predicted Approval Probability: 75.0%
Terms Version Control
Version ID: v1.0