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American Eagle Real Rewards Visa®

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The American Eagle Real Rewards Visa card could be a good choice if you’re a frequent shopper at American Eagle and Aerie stores, offering some shopping benefits and earning 15X points per dollar. Unlike its counterpart, this card can be used anywhere Visa cards are accepted. Like most store cards, it has a very high APR.

Our rating
Min. credit level: Fair
Annual Fee: $0
Regular APR: 25.99% Variable

American Eagle Real Rewards Visa®

Our rating
Fair Min. credit level
$0 Annual Fee
Apply Now

Highlights & Features


  • 15X points per dollar spent at American Eagle and Aerie
  • 5X points per dollar spent on all other purchases
Introductory Bonus
  • 20% off your first purchase in-store at American Eagle or Aerie

Balance Transfers

A balance transfer is a way to move debt from one card to another with the goal of saving money on interest.

Intro Balance Transfer APR N/A
Regular Balance Transfer APR N/A
Balance Transfer Fee N/A
How to Transfer a Balance on a Credit Card


Penalty APR N/A
Late Fee Up to $40
Returned Payment Fee N/A
Additional Cards Annual Fee N/A
Foreign Transaction Fee 3%
Learn About Types of Credit Card Fees

Cash Advances

Borrowing cash on your card is a cash advance. Cash advances usually come with very high fees. Even worse, cash advances can signal to lenders that you’re being irresponsible with money.

Cash Advance APR 26.99% Variable
Cash Advance Fee 5%, $10 minimum
How to Get a Cash Advance with a Credit Card

Card Benefits

  • Zero Liability on Unauthorized Charges
American Eagle Real Rewards Visa®


  • 2,500 points = $10 coupon you can use at participating stores
  • 15X points per dollar for all purchases at American Eagle or Aerie
  • 5X points per dollar for all purchases everywhere else
  • 20% off your first purchase in-store
  • 20% off birthday coupon
  • Personal shopping day coupon
  • Jeans purchases are worth double points
  • Free standard shipping
  • No annual fee


Synchrony has several card types depending on your needs.

Manage your Account & Pay your Bill

You can usually pay your bill online on your

Credit card issuer's website

Speak to Customer Service

1-866-681-2513 or

Try a different phone number
See all Issuer Cards

Almost a twin to the American Eagle Real Rewards Credit Card, the American Eagle Real Rewards Visa® card offers the same features except for one twist: Cardholders can use this card and earn points everywhere Visa is accepted, not just at AE or Aerie.

This card has a number of benefits if you find yourself shopping American Eagle often, including cardholder events, discounts, and 24/7 free shipping.

Compared to typical reward cards, this card has a very high APR.

There is no annual fee.

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