American Eagle Outfitters credit card snapshot

Editor’s Note: The AEO® Credit Card and AEO® Visa® Card offers mentioned in this article are expired and are no longer available

Retail credit cards can be a great tool for savings-minded shoppers who are loyal to specific brands. Many of these cards offer perks like in-store and online discounts, free shipping and bonus points you can use towards future purchases.

American Eagle Outfitters has two different credit card options for loyal customers, the AEO Connected® Credit Card which is a store card and the AEO Connected® Visa® Credit Card. We have a rundown on how each AE credit card works and some information that you may find useful if you are considering either of these cards.

American Eagle credit card highlights

Annual fee

• AEO® Credit Card: $0

• AEO® Visa® Card: $0

Foreign transaction fee

• AEO® Credit Card: N/A

• AEO® Visa® Card: 3% of each transaction

Rewards program

• AEO® Credit Card: Earn 1 Extra Savings point for every $25 spent at American Eagle or Aerie

• AEO® Visa® Card: Earn 1 Extra Savings point for every $25 spent at American Eagle or Aerie plus 1 Extra Savings point for every $100 spent anywhere Visa® credit cards are accepted

Bonus

Get 15% off your first purchase in store or online at ae.com or aerie.com when you open an AEO® Credit Card (store card) or AEO® Visa® Card account

We think it's great for:

• Those who frequently shop at American Eagle

• Those who want a no-annual fee rewards card option

We think these folks should do more research:

• Those who want more flexibility in how they can redeem rewards

• Those who travel outside the U.S.


American Eagle rewards

At first glance, American Eagle’s rewards program can seem a little complicated so we’ve broken down the details of how it works with both cards.


AEO® store card

AmericanEagleCreditCardThe first American Eagle credit card on our list is the AEO Connected® Credit Card, which is designed to be used at American Eagle Outfitters stores, Aerie stores, and American Eagle Factory stores. When you sign up for an AEO credit account, you’re automatically enrolled in American Eagle’s loyalty rewards program.


Under the AEO Rewards program, you earn you earn 1 AERewards® point for every dollar spent at American Eagle or Aerie with your AEO Connected® Credit Card. The AEO Connected® Credit Card also allows you to earn Extra Savings points. For every $25 you spend with the card at AEO or Aerie, you’ll earn 1 Extra Savings point. Every 10 points you earn is equal to a $10 Extra Savings to use at AEO or Aerie.


AEO® Visa® Card

If you want a little more flexibility when it comes to spending, the AEO® Visa® Card is a better choice. You can use the card in-store and online as well as anywhere Visa is accepted. With the AEO® Visa® Card, you’re still enrolled in the American Eagle Rewards program which means you’ll earn 1 AERewards point on every dollar spent.

You earn 1 Extra Savings point per $25 spent at American Eagle and Aerie stores or at their online stores and you also get 1 Extra Savings point per $100 on purchases made everywhere else Visa® credit cards are accepted. Every 10 points you earn is equal to a $10 Extra Savings to use at AEO or Aerie.

With either card, American Eagle will give you a 20% off birthday coupon, exclusive access to 6 cardmember savings events per year and $0 fraud liability.

American Eagle card pros

The rewards program is obviously the best reason to consider getting an American Eagle store card or the Visa card. If you spend a lot of money at American Eagle or Aerie, either card can help you earn some of it back. Getting 15% off your first purchase when you use your new AEO® Credit Card is also a nice incentive to sign up.

American Eagle card cons

In terms of the drawbacks, there are two. First, rewards are only good towards American Eagle purchases. With many other rewards cards, you’d be able to use the points, miles or cash back any way you want.

Second, the Annual Percentage Rate (APR) is high. Store cards tend to be much more expensive than non-store cards, which will eat up the value of your rewards if you carry a balance. The regular variable Annual Percentage Rate (APR) for purchases made with the AEO® Credit Card, the store card, is 25.49%. The rate for the AEO® Visa® Card is slightly lower, at 24.49% but both rates are still stee


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Sams Credit Card

The Sam’s Club Credit Card, issued by Synchrony Bank, is a basic store credit card for Sam’s Club members with a less-than-stellar credit profile. The Sam’s Club Credit Card can only be used at Sam’s Club and Walmart stores and doesn’t offer any rewards on purchases, so it’s mainly for borrowers who aren’t likely to qualify for a better credit card that can be used more broadly. If your credit is just fair (if you have a FICO score of 580 to 669) and you shop at Sam’s Club and Walmart frequently, this card can be a worthwhile financing tool, albeit with a steep interest rate.

Big Lots Credit Card

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Surge Mastercard Credit Card

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Menards BIG Credit Card

Menards has been one of the leading stores for home improvements for over five decades now. Many people rely on this store for their home improvement needs where they spend thousands of dollars. The Menards Big Card is designed to help all the Menards loyalists to get more rewards from making their purchases in the store and a few other selected gas stations. The card offers different types of rewards from cash back to in-store financing making it a very valuable tool especially if you tend to do a lot of home improvement.

Stein Mart Credit Card

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