WalletHub Rating
4.3/5
Whichever American Eagle credit card you get (theVisa or the store card), you’ll receive a healthy first-purchase discount and solid ongoing AEO rewards. Plus, there’s no annual fee. So if you’re a fan of American Eagle Outfitters, you should definitely have an American Eagle card in your wallet. Info about the American Eagle Outfitters (AEO) Credit Card has been collected by WalletHub to help consumers better compare cards. The financial institution did not provide the details.
WalletHub Rating Breakdown
User Reviews
3.7/5
319 reviewsRead and write reviews
Editor’s Review
3.9/5
John Kiernan, Credit Card EditorRead full review
Market Comparison
Market Comparison
4.3
The Market Comparison is a key component of the WalletHub Rating, as it measures how appealing the terms of a card are compared to a pool of over 1,500 credit card offers monitored by WalletHub. To ensure cards are evaluated for their most relevant purpose, we score each card across various cardholder needs and select the rating for the need with the highest score, which is “Earn Rewards (Store Cards)” for this card.
Fees
5.0
Rewards
4.5
Cost
4.4
Other Features
0.0
4.3/5
Compared against 1,500+ credit cards
KEY TERMS
Accepted Credit Scores
Accepted Credit Scores
Excellent Credit, Good Credit
Annual Fee
$0
APR on Purchases
31.24% (V)
Balance Transfer
Balance Transfers Not Allowed
Rewards
Get 20% off your first purchase in store or online at ae.com or aerie.com.
Earn 15 points per dollar spent on AEO purchases. Earn 5 points per dollar spent everywhere else Visa is accepted.
Get a $5 reward for every 1,250 points earned.
Earn double points on qualifying jeans purchases (30 points per dollar).
Get a $5 birthday reward. Plus, get free standard shipping & returns.
Achieve Level 3 by spending more than $350 a year at AEO Locations and start earning 20 points per dollar spent on AEO purchases.
American Eagle Outfitters (AEO) Credit Card's Additional Info
$0 fraud liability, mobile and online account management.
Free shipping and returns.
show more
Learn More
at Synchrony Bank's secure site
Editor's ReviewFact checked
Fact checked
John Kiernan, Managing Editor
June 27th, 2024
Fact Checked by Alina Comoreanu
Senior Researcher
American Eagle Outfitters (AEO) Credit Card Pros & Cons
No membership fees
High rewards rate
20% discount initial rewards bonus
Spending caps on rewards
No intro APR on purchases
No balance transfers allowed
Foreign fee
American Eagle Outfitters (AEO) Credit Card Review
3.9 / 5
Whichever American Eagle credit card you get (theVisa or the store card), you’ll receive a healthy first-purchase discount and solid ongoing AEO rewards. Plus, there’s no annual fee. So if you’re a fan of American Eagle Outfitters, you should definitely have an American Eagle card in your wallet.
Here’s what you need to know before you apply:
- You need Good credit to get the Visa. There are two American Eagle Credit Cards: the American Eagle Visa Card and the American Eagle Store Card. You need good or excellent credit to get the Visa and only fair credit to get the store-specific version. But it doesn’t really matter which one you’re approved for, as both are only worthwhile for AEO purchases. Nevertheless, you can check your credit score for free on WalletHub.
- Solid rewards. In addition to 20%off your first American Eagle or Aerie purchase, the AEO credit cards offer 15 points per $1 spent at the two brands’ store locations as well as on AE.com. The American Eagle Visa also gives you 5 points per $1 spent elsewhere. That might not sound like a lot, given that the average rewards card offers a bit more than 1 point per $1 spent. But it actually works out to 1% to 15% back, considering that 1250 points are redeemable for $5 in-store credit. That’s not the most rewarding package among retailer-affiliated packages, but it’s still pretty good.
- Average interest rate. Both American Eagle Outfitters credit cards charge interest at an annual rate that is just above the store-card average of 30.16% and nearly double the 18.04% average among credit cards for people with excellent credit, according to WalletHub research. So you don’t want to carry a balance from month to month with either American Eagle credit card.
- No annual fee, but foreign use will cost you. The AEO credit cards don’t charge annual fees, but that’s more of the rule, rather than the exception, for retailer-affiliated plastic. Still, it’s good news. Less appealing for people with good or excellent credit who plan to either travel abroad or make purchases through international merchants is the American Eagle Visa Card’s 3% foreign-transaction fee. Considering that a credit card is the best way to save money on currency conversion, those who fit that description should make sure to get a no-foreign-fee card.
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Compare The American Eagle Outfitters (AEO) Credit Card vs. Popular Alternatives
 American Eagle Outfitters (AEO) Credit Card |  |  PlayStation® Visa® Credit Card |
|---|---|---|
4.3WalletHub Rating WalletHub Rating 4.3 This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Earn Rewards (Store Cards)." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs. Editor’s Rating 3.9 User Reviews 3.7 Market Comparison 4.3 fees: 5.0 rewards: 4.5 cost: 4.4 Other Features: 0.0 | 3.3WalletHub Rating WalletHub Rating 3.3 This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Earn Gas Rewards." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs. Editor’s Rating 3.0 Market Comparison 3.4 fees: 3.8 rewards: 3.6 cost: 3.4 Other Features: 0.0 | 3.7WalletHub Rating WalletHub Rating 3.7 This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Earn Rewards (Store Cards)." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs. Editor’s Rating 4.7 User Reviews 3.2 Market Comparison 3.6 fees: 5.0 rewards: 3.8 cost: 3.3 Other Features: 0.0 |
annual fee$0 | annual fee$0 | annual fee$0 |
rewards rate | rewards rate | rewards rate |
bonus offer | bonus offer | bonus offer |
Purchase Intro APRNot Offered | Purchase Intro APRNot Offered | Purchase Intro APRNot Offered |
transfer intro aprNot Offered | transfer intro aprNot Offered | transfer intro aprNot Offered |
Regular APR31.24% (V) | Regular APR21.24% - 29.24% (V) | Regular APR19.24%, 25.24% or 27.99% (V) |
Sponsored Apply Now | Sponsored Apply Now |
Questions & Answers
Can't find what you are looking for? Submit your question about American Eagle Outfitters (AEO) Credit Card to our community. Editorial and user-generated content is not provided, reviewed or endorsed by the issuer of this offer. Please keep in mind that it is not a financial institution’s responsibility to ensure all posts and questions are answered. In addition, WalletHub independently collected information for some of the cards on this page.
Most Popular
9
Upvotes
How can I pay my American Eagle Outfitters (AEO) Credit Card?
Reply
9
Sue Patterson, WalletHub Analyst
@sweetsue
You can make an American Eagle Outfitters (AEO) Credit Card payment online, by phone, through the Synchrony Bank mobile app, by mail or at a branch. To pay an American Eagle Outfitters (AEO) Credit Card bill online, log in to your online account and click on “Make Payment.” Then, choose how much to pay, when to pay it, and where the payment is coming from. Synchrony Bank does allow cardholders to set up automatic payments, too.
Ways to Make an American Eagle Outfitters (AEO) Credit Card Payment
- Online: Log in to your online account and click on “Make Payment.”
- By phone: Call 1 (866) 913-6765 and enter your card information when prompted, then press 3.
- Through the mobile app: Log in to your account and select your card, then tap “Make Payment.”
- By mail: Send a check or money order (but not cash) to
AE or Aerie Real Rewards Visa
PO Box 669809 Dallas, TX 75266-0957
Make sure to send it early enough that it will arrive by the due date. Write your credit card number on the check, too. - At a branch: You can make a payment at any Synchrony Bank branch during normal business hours.
In conclusion, there are multiple ways to make a American Eagle Outfitters (AEO) Credit Card payment, so just choose whichever method is easiest for you. The important part is to not miss payments, as that can seriously damage your credit score.
4
Upvotes
How do I apply for the American Eagle Outfitters Credit Card?
Reply
Maria Adams, Credit Cards Moderator
@m_adams
The easiest way you can apply for the American Eagle Outfitters (AEO) Credit Card is online. Alternatively, you can apply for this card at your nearest American Eagle Outfitters store. Currently, the issuer doesn't accept applications over the phone.
Keep in mind that, when you apply for the American Eagle Outfitters (AEO) Credit Card, you'll be considered for the American Eagle Outfitters (AEO) Store Card, too. If you qualify for both, you'll be given the option to choose which one you want.
How to Apply for the American Eagle Outfitters (AEO) Credit Card Online
- ...
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Upvotes
How do I get pre-approved for the American Eagle Credit Card?
Reply
Maria Adams, Credit Cards Moderator
@m_adams
You can only get pre-approved for the American Eagle Outfitters (AEO) Credit Card by receiving a pre-approved offer via mail or e-mail. The American Eagle Outfitters (AEO) Credit Card does not have an online tool that interested consumers can use to check for pre-approval. There is no way to check if you're pre-approved for the American Eagle Outfitters (AEO) Store Card, either.
Keep in mind that the American Eagle Outfitters (AEO) Credit Card requires at least good credit for approval. If you don't know where you stand, you can check your credit score for free on WalletHub.
If...
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Upvotes
How can I check my American Eagle Outfitters Credit Card balance?
Reply
Maria Adams, Credit Cards Moderator
@m_adams
The easiest way you can check your American Eagle Outfitters (AEO) Credit Card balance is by either logging in to your online account or calling customer service at (800) 843-0875. Alternatively, you can check your balance through the mobile app. These are the ways to check your American Eagle Outfitters (AEO) Store Card balance, too.
How to Check Your American Eagle Outfitters (AEO) Credit Card Balance
- Online: Log in to your online account to see your American Eagle Outfitters (AEO) Credit Card balance.
- Over the phone: Call (800) 843-0875 and follow the prompts to...
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4
Upvotes
Can I use my American Eagle Credit Card anywhere?
Reply
4
Chip Lupo, Credit Card Writer
@CLoop
Yes, you can use the American Eagle Outfitters (AEO) Credit Card anywhere that accepts cards on the Visa network. That means you can use the American Eagle Outfitters (AEO) Credit Card at 10.7 million merchant locations in the U.S., as well as with millions more merchants across 200+ countries and territories worldwide.
The American Eagle Outfitters (AEO) Credit Card has a 3% foreign transaction fee, which means you will incur extra charges for international purchases. The card also comes with an annual fee of $0 and offers 5 - 15 points per $1 spent...
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4
Upvotes
How can I get an American Eagle Credit Card cash advance?
Reply
4
1
Chip Lupo, Credit Card Writer
@CLoop
To get an American Eagle Outfitters (AEO) Credit Card cash advance:
- Call Synchrony Bank customer service at 1 (866) 913-6765 and request a PIN, if you don't already have one.
- Insert the credit card at an ATM and enter the PIN.
- Select the cash advance option on the ATM screen.
- Enter the amount you'd like to withdraw.
- Withdraw the cash and remove the credit card from the ATM.
It's important to note that an...
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1
Upvote
What are the American Eagle Credit Card requirements for approval?
Reply
1
1
thom Fotenberg, WalletHub Credit Card Analyst
@thom.f
The main American Eagle Outfitters (AEO) Credit Card requirements are that an applicant must be at least 18 years old with a valid Social Security number or Individual Taxpayer Identification number. Applicants must also have a physical U.S. address, enough income to make monthly minimum payments, and at least good credit (a credit score of 700+) for the Visa version. The American Eagle Outfitters (AEO) Store Card, on the other hand, only requires Fair credit or better (a credit score of 640+).
American Eagle Outfitters (AEO) Credit Card Requirements
...
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1
40
Upvotes
Can I transfer a balance from my American Eagle Outfitters Credit Card?
Reply
40
10
WalletHub
@WalletHub
Yes, you can transfer a balance from your American Eagle Outfitters (AEO) Credit Card. to a different credit card. You will first need to apply for a balance transfer credit card, and ask for the transfer when you fill out the application. If you're approved for the balance transfer card and your American Eagle Outfitters (AEO) Credit Card balance is within your new credit limit, the transfer should be completed without any issues.
A balance transfer can save you hundreds of dollars on interest and help you...
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6
10
Upvotes
Why am I getting calls about my American Eagle credit card?
Reply
10
9
WalletHub
@WalletHub
There are several possible reasons why you're getting calls about your American Eagle Outfitters (AEO) Credit Card. For example, the issuer may be calling you to remind of a payment, or to verify one of your recent transactions. There are other common reasons why issuers call their customers, too.
Reasons Why You're Getting Calls About Your American Eagle Outfitters (AEO) Credit Card
- Payment Reminder: The calls could be reminders about an upcoming payment due on your credit card.
- Account Verification: The...
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11
8
8
Upvotes
Can I use my store VISA card to pay my electric bill?
Reply
8
8
WalletHub
@WalletHub
Yes, you can use your VISA card for paying your utility bills. You will even earn 1 Extra Savings Point for every $100 spent .
8
6
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American Eagle Outfitters (AEO) Credit Card Reviews
Share your insights and review for the American Eagle Outfitters (AEO) Credit Card
5
18%
4
53%
3
19%
2
2%
1
8%
3.7
319 reviews
319 reviews
What's Your Rating?
Most Recent
rebeccawohltman
@rebeccawohltman
1 Star Rating
They decreased my credit limit from $1500 to $310 with zero notice or reason. I shop there often and always pay my card on time, if not early. Because I was completely unaware until I went to pay my next bill, my credit score dropped 24 pts (since a $299 balance is a HUGE credit usage when you only have $310 to spend). So, I paid off the card and will no longer be using it. Oh, also they made this decision the day after one of my bigger credit cards gave me a $1500 increase. Makes no sense to me.
Comment
pcskigal
@pcskigal
1 Star Rating
Stay away from this card! Excellent credit and several other credit cards and this is by far the worst one to have. Not only is the APR 22% yikes but they do not back the consumer. If you have a dispute you will have to sell off your first born in order to fight them. They want document after document after paperwork before they will credit back a fraudulent charge. I made an online purchase and never received the goods and for months they continually ask me to provide a receipt and a notice from the retailer stating they would refund me. Wth?! How can you provide a document that never existed in the first place? You can see the charge and nothing ever was delivered. You want a card that protects you, not a card that protects the merchant
Comment
1
Sara
@saral_18
3 Star Rating
Credit limit isn’t very useful. Use it for the discounts/rewards. Have kids that like to shop there. Get a 30% discount on your first purchase.
Comment
Chasityamanda
@Chasityamanda
1 Star Rating
Super high APR. I wish they would have chosen a different bank for their card because Synchrony is absolutely terrible. They close your account for any little thing. I would be very careful when thinking about your credit with them. Won’t recommend
Comment
ddorgis
@ddorgis
1 Star Rating
The worst credit card i have ever had, the low your credit score for nothing. Always pay my bills on time, only one time i forgot and pay double to correct the error. The decrease my limit and i dont use the card very often. Im waiting to cancell my card. not even in the 50% of credit line. Also they have horrible clothes, bad quality, and no variety. I even speak to a lady call Anny she was useless, they never let me know about the decrease. I prefer other cards such as TJ mAx.
Comment
1
Abel
@you4latin2
2 Star Rating
Good card but I hardly use it. If you are looking to shop for clothes that are on sale or clearance then this card is for you. Hope you enjoy.
Comment
Sara
@sewyman
4 Star Rating
The issue with this card is the lack in limit increases. Though they upgraded me to the Visa the credit line didn’t go up. I did use this card to start building my credit and that did well. Be sure to pay in full at 12/15 day point.
Comment
Elmer
@rhardy1775
1 Star Rating
Synchrony bank will close your account for no reason I had a zero balance I have paid my bill always on time never went over the credit limit the other day my account was closed it happened to my bank card and my Lowe’s card I suggest to stay away from synchrony
Comment
2
russportnoy
@russportnoy
1 Star Rating
This card and company is garbage
They decreased the approval amount twice when it’s supposed to be other way around for good payment history. Don’t waste ur time on this. Better off just buying at hollister
Comment
1
Louis V
@Bitholov
4 Star Rating
There are big errors in the review when evaluating the rewards offered by this
card. It offers 30 points/$1 ( 12% back) on purchases at AEO and Aerie (40 points/$1 or 16% back at level 3), and 5 points/$1 (2% back) on other purchases. The rewards for jeans are double: 24% (32% at level 3). This card is much better than 3.9 / 5.
Comment
Louis V
@Bitholov
On qualifying jeans purchases the reward is 12% and at level 3 is 16%.
Comment
Louis V
@Bitholov
Correction: On qualifying jeans purchases the reward is 24% and 32% at level 3.
Comment
Review American Eagle Outfitters (AEO) Credit Card
American Eagle Outfitters (AEO) Credit Card
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