6
Benefits2
Reward Categories10x
Max Reward30%
APR FromBasic Information
PENDINGProgram ID: american-eagle-real-rewards-visa-card
Issuer: Synchrony
Card Name: American Eagle Real Rewards Visa Card
Card Type: Credit
Network: Visa
Card Tier:
Approved: Pending
Data Complete: Complete
SCRA Benefits (Military Members)
Synchrony offers eligible servicemembers an interest rate reduction to 6% on accounts opened prior to active duty, applicable to all Synchrony accounts.
Rewards Program (Detailed) 2 Categories
PENDING| Category | Rate | Type | Description | Annual Cap | Status |
|---|---|---|---|---|---|
| American Eagle & Aerie Purchases | 10x | Points | Purchases made at American Eagle and Aerie stores and ae.com/aerie.com using the Real Rewards Credit Card. | No Cap | |
| All Other Purchases | 1x | Points | Purchases made everywhere else Visa is accepted, outside of American Eagle and Aerie stores and ae.com/aerie.com. | No Cap |
Rewards Summary
PENDINGReward Type: Points
Base Rate: 1x
Bonus Rate: 2x
Categories: American Eagle & Aerie
Quarterly Rotating: No
Expiration Policy: Points expire 12 months from the date they are earned.
Point Value: 0¢
Travel Portal Multiplier: 1x
Redemption Penalties: Rewards are issued in $5 increments and are valid for 45 days from the date of issuance. Rewards cannot be applied to previous purchases, gift cards, Aerie undies, redeemed for cash, or applied to an American Eagle Outfitters or Aerie Credit Card account balance.
Benefits & Protections (Detailed) 6 Total
PENDINGShopping 6
Accelerated Rewards Earning at AEO & Aerie
2x points per $1Cardmembers earn 2 Real Rewards points for every $1 spent on purchases at American Eagle Outfitters (AEO) and Aerie stores and online.
Standard Rewards Earning Everywhere Else
1x point per $1Cardmembers earn 1 Real Rewards point for every $1 spent on purchases made everywhere else Visa credit cards are accepted.
Welcome Offer: First Purchase Discount
20% offNew cardmembers receive 20% off their first purchase made with the American Eagle Real Rewards Visa Card.
Birthday Discount
20% offCardmembers receive a special 20% off discount during their birthday month.
Free Shipping and Returns
Free shipping and returnsCardmembers receive free standard shipping and returns on all purchases made at American Eagle Outfitters and Aerie.
Exclusive Member Access
Access to exclusive sales and offersCardmembers gain access to exclusive member-only sales, special events, and unique offers.
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 |
| Authorized User Fee: | $0.00 |
| Penalty APR: | 29.99% |
| Min Interest Charge: | $2.00 |
Additional Fees
PENDING| Late Fee: | $41.00 |
| Returned Payment: | $30.00 |
| 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: 29.99% - 29.99%
Balance Transfer APR: 29.99%
Cash Advance APR: 29.99%
Intro APR Offers
Promo Financing: Special Financing
Approval Criteria & Requirements
PENDINGCredit Score Requirements
Application Process
Issuer Rules & Policies
PENDINGRules: Eligibility for the American Eagle Real Rewards Visa Card typically requires applicants to be at least 18 years old (19 in Alabama and Nebraska), a U.S. resident with a valid Social Security Number or ITIN, and possess a fair to good credit history. Synchrony Bank, the issuer, will assess creditworthiness, existing Synchrony relationships, and overall credit profile. New cardholders often receive an initial discount (e.g., 15-20% off) on their first American Eagle or Aerie purchase upon approval. The ongoing rewards structure typically offers 2x points per $1 spent at American Eagle and Aerie stores/online, and 1x point per $1 on all other purchases where Visa is accepted. Points accumulate towards Real Rewards certificates.
Max Cards Per Issuer: 5
Min Spend Interval: Not applicable for a traditional sign-up bonus; initial discount is immediate upon first purchase.
Cliff Effect Rules: Synchrony does not have a strict 'cliff effect' rule like Chase's 5/24. However, they do have internal limits on the total credit exposure to an individual. Opening too many Synchrony accounts in a short period (e.g., 3+ within 6-12 months) or accumulating a very high total credit limit across all Synchrony cards can lead to denials for new applications or credit limit reductions on existing accounts.
Special Events: Birthday discounts/offers, member-exclusive sales events (e.g., 'Real Rewards Member Days'), early access to new collections or sales, bonus points events on specific categories (e.g., '3x points on jeans'), and personalized offers based on purchase history.
Holiday Promos: Black Friday/Cyber Monday (November-December), Back-to-School (July-August), Valentine's Day (February), Mother's Day/Father's Day (May-June), and various seasonal clearance events throughout the year.
International Friendly: No
User Analytics & Insights
PENDINGUser Ratings
Average Rating: 3.5 / 5.0
Top Positive:
Easy approval for store purchases, good rewards for American Eagle and Aerie spending, includes birthday discounts, and has no annual fee.
Top Negative:
High APR, frequent complaints about Synchrony customer service, rewards are primarily limited to American Eagle/Aerie, and difficulties with credit limit increases.
Approval Experience: 65.0 / 100
Recommended Alternatives
- Old Navy Visa Card
- Gap Visa Card
- Discover it Cash Back
Card Value Score: 60.0 / 100
Est. Annual Rewards: $220.00
Approval Probability: 75.0%
Version Control
PENDINGVersion ID: 03/24