American Eagle Credit Card: 4 Key Benefits and Alternatives

American Eagle Outfitters (AEO) Inc. is one of the most popular retailers in the country. Known particularly for its jeans, the chain operates over 1,300 stores worldwide.
Whether you swear by its Temp Tech jeans or love Aerie’s loungewear, you may consider signing up for an American Eagle credit card to take advantage of special benefits and to earn additional points. Before submitting your credit card application, here’s what you should know.

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Highlights of the American Eagle Credit Card
American Eagle has two credit card options:

American Eagle Real Rewards Card: A store card that can only be used at American Eagle Outfitters and Aerie.
American Eagle Real Rewards Visa: A Visa card that can be used anywhere Visa is accepted.

Both cards are issued through Synchrony Bank.

American Eagle Real Rewards store card*
American Eagle Real Rewards Visa credit card*
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APR
30.24% variable
30.24% variable

Annual Fee
$0
$0

Foreign Transaction Fee
N/A
3% of each transaction

Late Fee
Yes, see terms
Yes, see terms

Points on AE/Aerie Purchases
Level 2 members earn 30 points per dollarLevel 3 earn 40 points per dollar
Level 2 members earn 30 points per dollarLevel 3 earn 40 points per dollar

Point on Non-AE/Aerie Purchases
Not applicable
5 points per $1 spent on merchandise purchased at non-AE retailers

Point Expiration
Rewards expire after 30 days
Visa points don’t expire as long as there is one purchase within a 375-day rolling period

Use Rewards at Other Retailers
No
Yes

American Eagle cards don’t have annual fees, and you can earn Real Rewards points on your purchases that can be redeemed toward future American Eagle or Aerie purchases. Cardmembers also get benefits like free shipping and returns.
American Eagle Credit Card Benefits
Becoming a cardholder allows you to take advantage of several perks:
1. Upgraded Real Rewards Status
When you become a card member, AEO automatically upgrades you to the Level 2 Real Rewards membership level. As a Level 2 member, you can earn more points per dollar spent, get access to members-only sales and events and get special benefits like a 20% off birthday coupon.
If you spend at least $350 per calendar year, you can reach Level 3 status, allowing you to earn more points and giving you access to more substantial discounts.
Credit card members earn two times the normal points, so Level 2 members earn 30 points per dollar spent and Level 3 members earn 40 points per dollar spent.
For every 1,250 points you earn, you can redeem them for a $5 credit toward future American Eagle or Aerie purchases. If you’re a cardholder with a Level 2 membership, you’d have to spend about $42 to qualify for a $5 reward. With a Level 3 membership, you’d have to spend just $31.25.
If you qualify for the American Eagle Real Rewards Visa, you can also earn five points for every dollar spent at non-AEO retailers.

Level 1
Level 2
Level 3

Points Per Dollar Spent
10 Points
• 15 Points • 30 Points With AEO Credit Card
• 20 Points • 40 Points With AEO Credit Card

Birthday Coupon
15% Off
20% Off
25% Off

20% Off First Purchase
Not applicable
Yes
Yes

Free Shipping and Returns
Not applicable
Yes
Yes

Access to Cardmember Sales
Not applicable
Yes
Yes

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2. Quadruple Points on Qualifying Jeans
As a card member, you can earn four times Real Rewards points on qualifying jeans purchases. Level 2 rewards members will earn 60 points per dollar spent, and Level 3 rewards members will earn 80 points per dollar spent.
3. Special Sales and Discounts
Card members get access to special sales, including:

Exclusive cardmember-only sale events throughout the year
A pick-your-own sale day, where members can choose one day a year to shop for discounted merchandise
Free shipping and returns on purchases made at AE.com and Aerie.com

4. First Purchase Discount
New card members are eligible for 20% off their first purchase.
American Eagle Credit Card Drawbacks
Although the American Eagle credit cards could be useful for some shoppers, there are some drawbacks to consider:

Higher-than-average annual percentage rate (APR): Both the American Eagle Real Rewards card and the American Eagle Real Rewards Visa have APRs significantly higher than the average for all credit cards that assess interest.
Reward expiration: With the Real Rewards program, your rewards expire after 30 days. You’ll lose those rewards if you don’t redeem them within that period.
Cannot be used for all brands: Although American Eagle Outfitters also operates Todd Snyder New York, American Eagle credit card users cannot earn points or rewards on Todd Snyder purchases.

Who Should Get the American Eagle Credit Card?
The American Eagle credit cards are best for those who regularly shop at American Eagle or Aerie. It doesn’t have an annual fee, so if you stop in or shop online at least once per month, the cards allow you to earn and redeem rewards towards your purchases and help you save money.
If you only shop for clothes occasionally, your rewards will likely expire before you can use them, so you’d be better off with a general rewards card that offers cash back instead.
Alternatives to the American Eagle Credit Card
If you decide against the American Eagle credit cards, consider these alternatives:
Discover it® Secured Credit Card
If you have less-than-perfect credit, you may consider signing up for the American Eagle Real Rewards; store cards are easier to qualify for than other cards. But another way to build credit is with a secured credit card. They require a security deposit, but as you make payments, you can establish your credit and improve your credit score.
The Discover it® Secured Credit Card is an excellent choice for those that need to build or improve their credit. It has no annual fee, and no minimum credit score is required. And it’s one of the few secured cards that allows you to earn cash-back rewards. You can earn 2% cash back at gas stations and restaurants on up to $1,000 in combined purchases each quarter. Plus, earn unlimited 1% cash back on all other purchases.

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.tab-content-wrapper .pros-cons-wrapper ul{margin-left:0}.cc-wrapper .tab-content-wrapper .pros-cons-wrapper ul li{list-style-type:none;position:relative;margin-bottom:16px;padding-left:25px;font-size:16px;line-height:1.5;letter-spacing:-.5px;color:#333}@media (max-width:1023px){.cc-wrapper .tab-content-wrapper .pros-cons-wrapper ul li{font-size:12px;line-height:18px}}.cc-wrapper .tab-content-wrapper .pros-cons-wrapper ul li strong{font-weight:700}.cc-wrapper .tab-content-wrapper .pros-cons-wrapper ul li:after{content:””;width:17px;height:17px;border-radius:50%;position:absolute;left:0;top:4px}@media (max-width:1023px){.cc-wrapper .tab-content-wrapper .pros-cons-wrapper ul li:after{top:0}}.cc-wrapper .tab-content-wrapper .pros-cons-wrapper .pros li:after{background:rgba(16,178,1,.2) url(“data:image/svg+xml;base64,PHN2ZyB3aWR0aD0iMTEiIGhlaWdodD0iOCIgZmlsbD0ibm9uZSIgeG1sbnM9Imh0dHA6Ly93d3cudzMub3JnLzIwMDAvc3ZnIj48cGF0aCBkPSJNOS41IDFMNCA2LjUgMS41IDQiIHN0cm9rZT0iIzEwQjIwMSIgc3Ryb2tlLXdpZHRoPSIyIiBzdHJva2UtbGluZWNhcD0icm91bmQiIHN0cm9rZS1saW5lam9pbj0icm91bmQiLz48L3N2Zz4=”) no-repeat 3px 5px}.cc-wrapper .tab-content-wrapper .pros-cons-wrapper .cons li:after{background:rgba(238,106,106,.2) url(“data:image/svg+xml;base64,PHN2ZyB3aWR0aD0iOSIgaGVpZ2h0PSI5IiBmaWxsPSJub25lIiB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciPjxwYXRoIGQ9Ik02LjkgNy44MjJhLjY1LjY1IDAgMTAuOTItLjkyTDUuNDE3IDQuNSA3LjgyIDIuMDk3YS42NDkuNjQ5IDAgMTAtLjkxNy0uOTE3TDQuNSAzLjU4MyAyLjEgMS4xNzhhLjY1MS42NTEgMCAxMC0uOTIyLjkyMmwyLjQwNSAyLjQtMi40MDUgMi40YS42NTEuNjUxIDAgMTAuOTIyLjkyMmwyLjQtMi40MDUgMi40IDIuNDA1eiIgZmlsbD0iI0VFNkE2QSIgc3Ryb2tlPSIjRUU2QTZBIiBzdHJva2Utd2lkdGg9Ii40Ii8+PC9zdmc+”) no-repeat 4px 4px}Featured Partner OfferDiscover it® Secured Credit CardOn Discover’s WebsiteUp to 2% Reward RateEarn 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter. Plus, earnRead MoreWelcome BonusCashback MatchAnnual Fee$0Regular APR27.49% Variable APRCredit ScoreNew/Rebuilding CreditEditorial ReviewIn the secured credit world, the Discover it® Secured Credit Card stands above the competition. With an unlimited 1% cash back rate on all purchases, plus 2% cash back at gas stations and restaurants on up to $1,000 in combined purchases each quarter, no penalty APR and no annual fee, we love this card for those who need to rebuild their credit. The matching cash back reward at the end of your first year is a sweet bonus.Pros & ConsNo annual feeCash back rewards earning is uncommon for a secured cardFree FICO score access each monthCashback Match doubles cash back rewards earning at the end of the first yearRewards are cappedSecured cards don’t provide many of the perks unsecured cards doSecured cards require refundable depositsCard DetailsNo credit score required to apply.No Annual Fee.Use your tax refund to fund your security deposit and start building your credit history. Your credit line will equal your deposit amount, starting at $200. Bank information must be provided when submitting your deposit.Automatic reviews starting at 7 months to see if we can transition you to an unsecured line of credit and return your deposit.Earn 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter. Plus, earn unlimited 1% cash back on all other purchases – automatically.Discover could help you reduce exposure of your personal information online by helping you remove it from select people-search sites that could sell your data. It’s free, activate with the mobile app.Get an alert if we find your Social Security number on any of thousands of Dark Web sites. Activate for free.Click through to Discover’s website to see terms and conditions.Intro Offer: Unlimited Cashback Match – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. Just a dollar-for-dollar match.Credit Score ranges are based on FICO® credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.

Blue Cash Everyday
The Blue Cash Everyday® Card from American Express (Terms apply. See rates & fees) could be a good fit for someone looking for a rewards card without an annual fee. You can earn 3% cash back at U.S. supermarkets, U.S. gas stations, and online retail purchases in the U.S. (on up to $6,000 in each category per year in purchases, then 1%), and 1% cash back on other purchases. Cash back is received in the form of Reward Dollars that can be easily redeemed for statement credits.
If you are looking for other options, check out our picks for the best cash-back credit cards of 2023.
Bottom Line
If you frequently shop at American Eagle or Aerie, its two credit cards can allow you to earn extra Real Rewards points, access exclusive sales and get extra perks like free shipping. But, like many store-branded cards, the American Eagle credit cards have higher-than-average APRs and rewards are of limited use. If you do sign up for one of the cards, limit your spending so that you can afford to pay off the statement balance in full every month and avoid costly interest charges.
To view rates and fees for Blue Cash Everyday® Card from American Express please visit this page.