American Eagle Outfitters (AEO) Store Card Reviews: Is It Worth It? (2024)Reviews, rates, fees, and rewards details for The American Eagle Outfitters (AEO) Store Card. Compare to other cards and apply online in secondsJohn KiernanWalletHubNo membership feesHigh rewards rate30% discount initial rewards bonusQualify with fair creditSpending caps on rewardsHigh regular APR
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.
American Eagle Outfitters (AEO) Store Card has a rating of 4.2/5 according to our proprietary credit card rating system. This rating reflects how appealing American Eagle Outfitters (AEO) Store Card's terms are compared to a pool of more than 1,500 credit card offers tracked by WalletHub. 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)'. To break it down further, American Eagle Outfitters (AEO) Store Card earned a score of 5.0/5 for Fees, 4.1/5 for Rewards, 4.5/5 for Cost, and 3.6/5 for User Reviews. Info about the American Eagle Outfitters (AEO) Store 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
3.6/5
210 reviewsRead and write reviews
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
4.1
Cost
4.5
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, Fair Credit
Annual Fee
$0
APR on Purchases
31.24% (V)
Balance Transfer
Balance Transfers Not Allowed
Rewards
Get 30% off your first purchase in-store or online at ae.com or aerie.com.
Earn 15 points for each $1 spent at AEO or Aerie. Receive $5 for every 1,250 points earned.
Get a $5 birthday reward. Plus, get free standard shipping & returns.
Earn double points on qualifying jeans purchases (30 points per dollar).
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) Store Card's Additional Info
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.
User Reviews
3.6
Market Comparison
4.3
fees: 5.0
rewards: 4.1
cost: 4.5
Other Features: 0.0
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 "Improve Credit by Paying in Full Each Month." 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
4.5
User Reviews
3.3
Market Comparison
4.3
fees: 5.0
rewards: 0.0
cost: 5.0
Other Features: 4.5
3.6WalletHub Rating
WalletHub Rating
3.6
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 "Improve Credit by Paying in Full Each Month." 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.
Can't find what you are looking for? Submit your question about American Eagle Outfitters (AEO) Store 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.
Cardholders report initial American Eagle Outfitters Store Card credit limits of at least $500.
Unfortunately, there is no way to determine exactly what your credit line will be, but your creditworthiness will play an important role. Much also depends on your current debt obligations as well as your disposable income.
Yes, the American Eagle Store Card will do a hard pull. You will need a credit score of at least 640 to get it, which is on par with what most store cards require.
There is no way to pre-qualify for the American Eagle Store Card. A hard pull usually causes an applicant's credit score to drop by 5-10 points. Most people's scores bounce back within 3-6 months with responsible credit management, but it...
You can get an American Eagle Store Card credit limit increase online or by calling Synchrony Bank at 1-877-379-8173.
Store cards can have pretty low credit limits to begin with, so it is definitely worth a try to increase yours, especially if you're a frequent customer.
Keep in mind that a request for a credit limit increase will often result in a hard pull on your credit report, so make sure you qualify...
Yes, the American Eagle Outfitters (AEO) Store Card reports to all three major credit bureaus (Equifax, Experian and TransUnion) on a monthly basis. The American Eagle Outfitters (AEO) Store Card reports information related to all the names on the account record, including authorized users.
Your American Eagle Outfitters (AEO) Store Card application could have been declined for several reasons, such as not meeting the credit score requirements, not having enough income, or an error on your credit report.
Possible reasons why your American Eagle Outfitters (AEO) Store Card was declined:
Your credit score is too low
You don't have enough income
Your debt-to-income ratio is higher than the acceptable limit
You have too many recent inquiries on your credit report
When you apply for the AEO card from Synchrony, the lender is most likely to check your credit report from TransUnion. But that can change based on the state in which you live.
The American Eagle Outfitters (AEO) Store Card credit score requirement is 640 or better. That means people with fair credit or better have a shot at getting approved for the American Eagle Outfitters (AEO) Store Card.
You should note that while your credit score is an important factor, there are plenty of other things that will impact your chances of being approved for the American Eagle Outfitters (AEO) Store Card, too. Some other key criteria include your income, existing debt load, number of open accounts, recent credit inquiries, employment...
American Eagle Outfitters (AEO) Store Card Reviews
Share your insights and review for the American Eagle Outfitters (AEO) Store Card
5
16%
4
45%
3
27%
2
7%
1
5%
3.6
210 reviews
210 reviews
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lisa @lisah14
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5 Star Rating
Verified Customer
Good card but even if u have paid n full they never will raise your credit limit..which is kinda unfair especially when u been with them like years they will never raise your 200$ctedit
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0
0
Michelle C @mkpanlasigui
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5 Star Rating
Verified Customer
Great card for shopping. I always pay it off right away. Great store savings when I use my American Eagle Credit card, double and sometimes triple points.
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0
0
Charlene @charlene29631352003
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5 Star Rating
Verified Customer
Love it w Love it love it woo hoo woo yay I use the card to shop for my sons school close and some of the personal items that he likes and they have good genes
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0
0
Kala @dollface1978
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1 Star Rating
Verified Customer
Randomly decrease limit when my card hadn’t been used without informing me which caused me to use over 30% of my limit when I did use it!
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0
0
Anna @annaleenewcomb1981
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5 Star Rating
Verified Customer
The American Eagle outfitters card is a OK card to have they do not allow much of a limit though and have not ever raised it. I always use it when I need to
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0
0
Louis V @Bitholov
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4 Star Rating
There are big errors in the review. This card offers 30 points/$1 (12 % back) (40 points/$1 or 16% back at level 3) and on jeans purchases 60 points/$1 (24% back) (80 points/$1 or 32% back at level 3).
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0
0
Natasha Bitner @natasha227
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2 Star Rating
This card was great.. initially. You got 10% off every purchase. As of May 1st they stopped. Now you get two times points or something. I only used the card for the discount. At this point it’s better to use Apay and not pay interest. Plus I never got an update or notice of the change. The deals and discounts have slowly disappeared year after year. Now it’s just another high interest credit card.
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0
0
Calvin W @tocureistocare
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5 Star Rating
Verified Customer
My young nieces and nephews love me for shopping with American Eagle Outfitters to buy their Christmas and birthday gifts. I find it to great selections to choose from.
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0
0
NILDA @nildam2004
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5 Star Rating
Verified Customer
Me gusta tarjeta pq la utilizo mucho cuando tiran muchos especiales online y para eso es exelente pq no hay que visitar la tienda y online tiene los mejores precios
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0
0
Pedro Sanchez @psanch11
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1 Star Rating
Only missed one payment due to an incident I had with my bank. They marked me as delinquent and closed the account over 25 bucks missed payment. What’s sad is that I only owe them less then 200 bucks paid it all and walked away I say if you considering this company just walk way there just going to hurt your credit
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