8
Benefits2
Reward Categories2x
Max Reward21.2%
APR FromBasic Information
PENDINGProgram ID: american-eagle-real-rewards-visa-card-v2
Issuer: Synchrony
Card Name: American Eagle & Aerie Real Rewards Visa® Credit Card
Card Type: Credit
Network: Visa
Card Tier:
Approved: Pending
Data Complete: Complete
Rewards 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 or online. | No Cap | |
| All Other Purchases | 1x | Points | Purchases made everywhere else Visa is accepted. | No Cap |
Rewards Summary
PENDINGReward Type: Points
Base Rate: 10x
Bonus Rate: 20x
Categories: 20x on AEO and Aerie purchases; 10x on all other purchases where Visa is accepted.
Quarterly Rotating: No
Expiration Policy: Points expire 24 months from the date they are earned, or 12 months from the last qualifying purchase, whichever comes first.
Point Value: 0.01¢
Travel Portal Multiplier: 1x
Redemption Penalties: Rewards are issued in $10 increments for every 1,250 points earned. Rewards cannot be redeemed for cash, gift cards, or previous purchases. Issued rewards expire 60 days from issuance.
Benefits & Protections (Detailed) 8 Total
PENDINGLifestyle 1
Birthday Treat
VariesReal Rewards members receive a special treat or offer during their birthday month.
Shopping 7
Accelerated Rewards Earning on AE & Aerie
2x points per $1Cardmembers earn 2 points for every $1 spent on purchases made at American Eagle and Aerie stores or online.
Standard Rewards Earning on All Other Purchases
1x point per $1Cardmembers earn 1 point for every $1 spent on purchases made everywhere else Visa is accepted.
Free Shipping & Returns
FreeAs a Real Rewards member (enrolled by having the card), receive free standard shipping and returns on all orders.
Exclusive Sales & Events Access
Access to exclusive offersReal Rewards members gain access to exclusive sales and events.
Account Opening Discount
20% offReceive a 20% off coupon upon opening an American Eagle Real Rewards account.
New Card Welcome Discount
25% offReceive a 25% off coupon when your new American Eagle Real Rewards Visa Card arrives.
Reward Redemption Value
$5 reward for 1,250 pointsAccumulate 1,250 points to receive a $5 reward.
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 |
Additional Fees
PENDING| Late Fee: | $41.00 |
| Returned Payment: | $41.00 |
| Balance Transfer: | Either $10 or 5% 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
PENDINGStandard APR
Purchase APR: 21.24% - 31.24%
Balance Transfer APR: 31.24%
Cash Advance APR: 31.24%
Intro APR Offers
Approval Criteria & Requirements
PENDINGCredit Score Requirements
Application Process
Issuer Rules & Policies
PENDINGUser Analytics & Insights
PENDINGUser Ratings
Average Rating: 3.8 / 5.0
Top Positive:
Excellent rewards for American Eagle and Aerie purchases, good bonus categories for groceries and dining, useful discounts and free shipping benefits, no annual fee.
Top Negative:
Rewards are primarily tied to the specific brands, general spend rewards are standard, potential for high APR if balances are carried, customer service experience can be inconsistent.
Approval Experience: 78.0 / 100
Recommended Alternatives
- Capital One SavorOne Cash Rewards Credit Card
- Amazon Prime Rewards Visa Signature Card
- Citi Custom Cash Card
Card Value Score: 72.0 / 100
Est. Annual Rewards: $260.00
Approval Probability: 80.0%
Version Control
PENDINGVersion ID: v1.0