9
Benefits2
Reward Categories2x
Max Reward32.2%
APR FromBasic Information
PENDINGRewards Program (Detailed) 2 Categories
PENDING| Category | Rate | Type | Description | Annual Cap | Status |
|---|---|---|---|---|---|
| American Eagle & Aerie Purchases | 2x | Points | 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 | Purchases made everywhere Visa is accepted, excluding American Eagle and Aerie stores and websites. | No Cap |
Rewards Summary
PENDINGReward Type: Points
Base Rate: 2x
Bonus Rate: 10x
Categories: American Eagle and Aerie purchases
Quarterly Rotating: No
Expiration Policy: Points expire 12 months after they are earned. Rewards (certificates) expire 45 days after issuance.
Point Value: 0.01¢
Redemption Penalties: Rewards are issued in $10 increments (1,250 points) and must be redeemed in full. Cannot be combined with other offers or used for gift card purchases.
Benefits & Protections (Detailed) 9 Total
PENDINGFinancial 1
No Annual Fee
$0The AEO Connected Visa Card does not charge an annual fee.
Lifestyle 1
Birthday Offer
Special offerCardmembers receive a special offer during their birthday month.
Shopping 7
First Purchase Discount
20% offCardmembers receive 20% off their first purchase made with the AEO Connected Visa Card.
AEO & Aerie Purchase Rewards
10 points per $1Earn 10 points for every $1 spent at American Eagle and Aerie stores and online.
Everyday Purchase Rewards
2 points per $1Earn 2 points for every $1 spent everywhere else Visa is accepted.
Rewards Redemption
$5 reward for 1,250 pointsReceive a $5 reward for every 1,250 points earned through the AEO Connected program.
Free Standard Shipping & Returns
FreeCardmembers receive free standard shipping and returns on purchases made at American Eagle and Aerie.
Early Access to Sales
Early accessCardmembers receive early access to sales events at American Eagle and Aerie.
Special Financing Offers
Varies by offerCardmembers may be eligible for special financing offers on qualifying purchases.
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 |
| Penalty APR: | 29.99% |
| 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
PENDINGStandard APR
Purchase APR: 32.24% - 32.24%
Cash Advance APR: 32.24%
Intro APR Offers
Approval Criteria & Requirements
PENDINGCredit Score Requirements
Application Process
Issuer Rules & Policies
PENDINGRules: The American Eagle Real Rewards Credit Card (Synchrony) for 2026 typically offers an initial bonus as a percentage discount on the first purchase made with the card (e.g., 20% off). Ongoing rewards are earned as points per dollar spent at American Eagle and Aerie stores and online. Eligibility requirements for application include being at least 18 years old, a U.S. resident with a valid Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN), and subject to credit approval based on a generally good credit history. Synchrony may deny applications if the applicant has too many recent Synchrony accounts or a high existing cumulative credit limit across all Synchrony-issued cards.
Max Cards Per Issuer: 7
Min Spend Interval: N/A for initial bonus (typically first purchase discount); ongoing rewards are earned per transaction.
Cliff Effect Rules: Synchrony manages overall credit exposure across all credit cards it issues to an individual. While it is possible to hold multiple Synchrony-issued store cards, approvals for new cards or credit limit increases may become more difficult as the total credit extended by Synchrony to the applicant increases. Having both the American Eagle Real Rewards Store Card and the American Eagle Real Rewards Visa Card (if applicable) are generally treated as distinct products, but overall Synchrony credit limits can still be a factor.
Special Events: Cardholders frequently receive exclusive discounts, early access to sales, and special bonus points events (e.g., double or triple points days) throughout the year, often tied to specific product launches or seasonal promotions.
Holiday Promos: Expect enhanced promotional offers, increased reward points, and exclusive cardholder discounts during major shopping holidays such as Black Friday, Cyber Monday, Valentine's Day, Mother's Day, Father's Day, and the entire winter holiday season.
International Friendly: No
User Analytics & Insights
PENDINGUser Ratings
Average Rating: 3.2 / 5.0
Top Positive:
Excellent for loyal American Eagle and Aerie shoppers due to high in-store rewards, initial discount, and free shipping. No annual fee is a plus.
Top Negative:
Low general spending rewards rate, frequent complaints about Synchrony Bank's customer service, and high APR are common drawbacks.
Approval Experience: 70.0 / 100
Recommended Alternatives
- Capital One SavorOne Cash Rewards Credit Card
- Target RedCard
- Amazon Prime Rewards Visa Signature Card
Card Value Score: 65.0 / 100
Est. Annual Rewards: $100.00
Approval Probability: 75.0%
Version Control
PENDINGVersion ID: 2024-01