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American Eagle Charge card Review – Credit Sesame
American Eagle Outfitters credit card snapshot
Editor’s Note: The AEO(R) Credit Card and AEO(R) Visa(R) Card offers mentioned in this article are expired and are no more available
Retail charge cards could be a useful gizmo for savings-minded shoppers who are faithful to specific brands. A number 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 charge card options for loyal customers, the AEO Connected(R) Credit Card that is a store card and the AEO Connected(R) Visa(R) Credit Card. We have a rundown on how each AE charge 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 | o AEO(R) Credit Card: $0
o AEO(R) Visa(R) Card: $0 |
| Foreign transaction fee | o AEO(R) Credit Card: N/A
o AEO(R) Visa(R) Card: 3% of every transaction |
| Rewards program | o AEO(R) Charge card: Earn 1 Extra Savings point for each $25 spent at American Eagle or Aerie
o AEO(R) Visa(R) 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(R) charge cards are accepted |
| Bonus | Get 15% off the first purchase available or online at ae.com or aerie.com whenever you open an AEO(R) Charge card (store card) or AEO(R) Visa(R) Card account |
| We think it is good for: | o Those who frequently shop at American Eagle
o Those who desire a no-annual fee rewards card option |
| We think these individuals must do more research: | o People who want more flexibility in how they can redeem rewards
o People who travel away from U.S. |
American Eagle card basics
As mentioned earlier, American Eagle shoppers have two cards to choose from-the AEO Connected(R) Charge card that is a store card and also the AEO Connected(R) Visa(R) Credit Card. Both cards may be used to earn points, which can be converted to rewards you can use at American Eagle stores or AE.com. We'll discuss some of the finer points from the rewards program in detail just a little later.
The main difference between both of these cards is the fact that the AEO Connected(R) Visa(R) Charge card may be used anywhere Visa is accepted while the AEO Connected(R) Credit Card is only good for American Eagle purchases. Neither card has an annual fee but the AEO Connected(R) Visa(R) Charge card comes with a 3% foreign transaction fee that kicks in if you are using your card for purchases outside the U.S.
American Eagle vs. cash return competitors
Store-branded credit cards are useful for racking up savings but they possess a limitation for the reason that rewards can only be utilized for future purchases at this store. With a straightforward cash return charge card on the other hand, you may be able to redeem your rewards for money, statement credit, gift certificates, merchandise or travel. Look for a card that rewards you with cash everywhere you shop.
American Eagle rewards
At first glance, American Eagle's rewards program can feel just a little complicated so we've divided the facts of methods it really works with both cards.
AEO(R) store card
The first American Eagle charge card on our list may be the AEO Connected(R) Credit Card, that is made to be used at American Eagle Outfitters stores, Aerie stores, and American Eagle Factory stores. Whenever you subscribe to an AEO credit account, you're automatically signed up for American Eagle's loyalty rewards program.
Under the AEO Rewards program, you earn you earn 1 AERewards(R) point for every dollar spent at American Eagle or Aerie with your AEO Connected(R) Credit Card. The AEO Connected(R) Charge card also allows you to earn Extra Savings points. For each $25 you spend with the card at AEO or Aerie, you'll earn 1 Extra Savings point. Every 10 points you get is equal to a $10 Extra Savings to make use of at AEO or Aerie.
AEO(R) Visa(R) Card
If you'll need a little more flexibility with regards to spending, the AEO(R) Visa(R) Card is the perfect choice. You should use the card in-store and online in addition to anywhere Visa is accepted. With the AEO(R) Visa(R) Card, you are always signed up for the American Eagle Rewards program meaning 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 so you get 1 Extra Savings point per $100 on purchases made everywhere else Visa(R) charge cards are accepted. Every 10 points you get is equivalent to a $10 Extra Savings to use at AEO or Aerie.
With either card, American Eagle provides you with a 20% off birthday coupon, exclusive use of 6 cardmember savings events per year and $0 fraud liability.
Learn More: Best No Annual Fee Credit Cards
American Eagle card pros
The rewards program is actually the very best reason to consider getting a united states Eagle store card or even the Visa card. Should you spend lots of money at American Eagle or Aerie, either card will help you earn a lot of it back. Getting 15% off your first purchase if you use your new AEO(R) Credit Card is another nice incentive to register.
American Eagle card cons
In 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 return in whatever way you would like.
Second, this (APR) is high. Store cards are usually much more expensive than non-store cards, which will consume the value of your rewards if you have a balance. The regular variable Apr (APR) for purchases made with the AEO(R) Credit Card, the shop card, is 25.49%. The speed for that AEO(R) Visa(R) Card is slightly lower, at 24.49% but both minute rates are still steep.
Should you get a united states Eagle credit card?
If you're comfortable earning rewards that can only be used for American Eagle purchases, opening a store card or Visa account could be the right move. Forwards and backwards, the AEO(R) Visa gives you more opportunities to spend and earn rewards, plus you receive a a little more favorable interest rate. It is important to keep in mind with either card would be to avoid carrying a balance and paying interest. If you can't spend the money for balance off in full each month, you'll negate your rewards (the money you have to pay in interest will be way over what you earn in rewards) and wind up paying much more for that things you charge.
