American Eagle Credit Card Review 2024 Key Points:
American Eagle offers Real Rewards credit cards and Visa credit cards. Annual Fee : $0 APR : 31.24% Cash Advance Fee : $10 or 5% of the total amount, whichever is greater. Foreign Transaction Fee : 3% of each transaction. Late Fee : Up to $41 Grace Period : 23 days No one does retail cards better than American Eagle Outfitters . The premium American clothing and accessories retail company offers not just one but two versions of credit cards in association with Synchrony Bank.
Real Rewards credit card : The closed-loop retail card that can be used at the store.
American Eagle Visa credit card : An exclusive credit card that can be used anywhere Visa is accepted.
Synchrony Bank does not compromise in giving special benefits and reward points to customers, whether it is for AE credit cards or Rooms To Go credit cards . So read this blog till the end to know more about American Eagle credit cards.
American Eagle Credit Card: Overview The famous clothing company – American Eagle offers two credit cards: Store cards and Visa cards for people with fair to excellent credit scores.
Regardless of which American Eagle credit card you choose (Visa or store card), you’ll receive a significant first-purchase discount and solid rewards. Plus, there is no yearly charge. So, if you like American Eagle Outfitters, you should carry an American Eagle card in your wallet.
Now that you’re introduced to the card, let’s go ahead and discuss its pros and cons.
American Eagle Real Rewards Credit Card: Pros and Cons As good and bad go hand in hand, similarly, this card too has a few downsides along with positives. Here are the positives and negatives of these cards:
Pros Cons Decent reward rate. Closed-loop cards have limited usability. No membership fee is required. High APR. Accepted people with fair credit scores. $2 fees for interest payments. The initial reward of 20% discount. Reward points expire after 60 days. Annual 20% discount on birthdays. Free shipping on all purchases made via card.
So these are the pros and cons you need to keep in mind for deciding if you want this card or not. Moving ahead, let’s shed light on all the features this card offers.
American Eagle Credit Card Synchrony Features These AE credit cards are specially designed to provide multiple benefits to customers shopping in-store and online. Let’s take a look at what you get with this card.
Real Rewards Points on Qualifying Jeans Cardholders can earn four times more Real Rewards points on qualifying jeans purchases. If you are a Level 2 rewards member , you can earn 60 points for each dollar spent. If you are a Level 3 rewards member , you can earn 80 points for each dollar spent.
Special Discounts Customers get a 20% discount coupon every year on their birthdays . Plus, 30% discount on the first purchase made with the card. Not just that, cardholders have early access to sales and ongoing company offers, and they can pick their sale day.
Upgraded Rewards Status The company offers benefits according to the levels of the cardholder.
AEO automatically upgrades new customers to Level 2 Real Rewards membership. At this level, you can earn more points per dollar spent, gain access to members-only sales and events, and receive exclusive benefits such as a $5 birthday coupon .
Upon spending at least $350 per calendar year, you can achieve Level 3 status , which allows you to earn more points and receive larger discounts. Level 2 members earn 30 points per dollar spent, while Level 3 members earn 40 points per dollar spent.
Earn 1,250 points and redeem them for a $5 credit toward future American Eagle or Aerie purchases. To qualify for a $5 reward, a cardholder with a Level 2 membership must spend approximately $41.67. With a Level 3 membership, you’d only need to spend $31.25. Additionally, the American Eagle Real Rewards Visa allows you to earn five points for every dollar spent at non-AEO retailers.
Benefits Level 1 Level 2 Level 3 Points Earned on purchases 10 points 15 points 20 points Birthday Discounts 5% Off 5% Off 5% Off 20% Discount on First Purchase Not applicable Yes Yes Free Returns and Shipping Not applicable Yes Yes Early Access to Sale Not applicable Yes Yes Maximum Points Earned 10 points per dollar spent. 30 points per dollar spent. 40 points per dollar spent.
Other Features:
Zero-dollar fraud liability insurance. Free standard shipping on all purchases. So these are the best features that you can take full advantage of after getting the credit card. Moving ahead, let’s look at its fees and other charges.
American Eagle Visa Credit Card: Rates and Fees If you swear by American Eagle CC jeans and love loungewear, you must get this card to receive an exclusive discount every time you shop from the store or online. That being said, it is also important to know the pricing and other charges, so here are the fundamentals.
Annual Fee : $0
APR : 31.24%
Cash Advance Fee : $10 or 5% of the total amount, whichever is greater.
Foreign Transaction Fee : 3% of each transaction for the American Eagle Visa card.
Late Fee : Up to $41
Grace Period : 23 days
So these are the rates and pricing for an AE visa card. If you are fine with the fundamentals and features, go ahead and learn about the application process in the next section.
How to Apply for an American Eagle Rewards Credit Card? For regular customers who want to take advantage of exclusive company benefits, you have to apply and get the card to claim rewards. To fulfil the application process, there are certain prerequisites, that are:
Applicants must have SSNs and government-approved identity cards. You should be 18 years and above . Customers must have a good credit score of 700 to qualify . Once you meet these requirements, follow the steps of application that we have listed below:
First, go to the official AEO credit card portal . Click on the Apply Now button on the homepage. Select the type of American Eagle card you want to apply for and tap on Continue . Enter the 4 digits of your SSN , and mobile phone number and click on Continue . (In case you don’t have your mobile number, tap on I don’t have a mobile phone number below ‘Continue’.)
Enter the following info in the given field:First name Last name Address ZIP code City Email address Date of Birth Annual Net Income Click on Continue and follow the on-screen prompts to complete the steps. Lastly, click on the Submit Application button. This is how you can apply for the retail and Visa card. After getting approved, it will be delivered within 10–15 days to your registered address.
Also Read: What does a negative balance on a credit card mean and how to fix it?
Who Should and Shouldn’t Choose American Eagle Real Rewards Credit Card? American Eagle Visa card is best for individuals who frequently shop at the brand. It makes sense to get these cards that will allow you to earn and redeem points towards purchases. Not just that, you get early access to low-price deals and cashback to save money.
However, if you’re someone who is looking for a credit card to maximize rewards by making transactions everywhere, be it shopping, travel, or dining. This AE credit card might not be the best option for you.
Alternatives of American Eagle Rewards Credit Card Whenever you are picking a credit card, it is always best to keep your mind open, discover the features and benefits of a few similar cards and compare to know the best.
These are the best alternatives for American Eagle credit card:
Savor One offers special rewards and cashback cards offered by Capital One Bank. It does not have any annual maintenance fees and is best for people who love shopping, dining, and travel.
These are the features that you can take advantage of:
Get 8% cash back on entertainment. 5% cash back on travel. 3% cashback on all other purchases made with the card. Welcome bonus of $200 upon making a transaction of $500 within the first three months. Moreover, it has a straightforward application process. You can read more details in our Capital One Savor One Review .
Regular APR : 19.99% – 29.99%
Cash advance APR : 29.99%
Annual fee: $0
Citibank offers rewards cards for those who want to earn lucrative cash back on every transaction. Moreover, it does not require much work and also helps to build a good credit history.
These are the features of the Citi Custom Cash card that you can take advantage of:
Get 5% cash back on eligible categories MasterCard protection against travel accidents, and unauthorized charges. Complimentary concierge services. Redeemable ThankYou points for purchases on Amazon. Discount deals on Hertz and Sixt car rentals. Intro APR : 0 for initial 15 months.
Regular APR : 19.24%-29.24%
Annual Fees : $0
So this was all about the American Eagle credit card. We have covered its features, benefits, pricing, and pros and cons. Hopefully, this will help you make wise decisions while picking up and applying for the credit card that aligns with your financial goals.
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Frequently Asked Questions Ans: You can call the designated number on your card and follow the prompts to make payments.
Ans: You can call 1-888-232-4535 to connect with the customer department.
Ans: Applicants must have CIBIL scores of at least 640 to qualify for these cards.
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