American Eagle Credit Card Review

American Eagle Outfitters is one of the highest rated jeans brand in America that is known for its self-expression and authenticity. Being a favorite of the youngsters and college students, they have come up with the American Eagle Credit Cards for their customers so that they can enjoy the offers and discounts on their shopping experience.

American Eagle Outfitters offer 2 different credit cards to its customers:

• AEO Connected Credit Card – It is an in-store credit card which can be used to make purchases in the AEO stores only
• AEO Connected Visa Credit Card – It is a Visa associated card which will be acceptable for payment at all the other places also in addition to the AEO stores wherever a Visa card is accepted

Terms & Fees of American Eagle Credit Card

• Annual Fees: $0
• Regular APR: 27.74% Variable
• Late Fees: Up to $38
• Foreign Transaction Fees: 3%
• Minimum Interest Payment: $2
• Cash Advance APR: 28.74% Variable
• Cash Advance Fee: $10 or 5% of each cash advance, whichever is higher

Quick Facts

• The annual fees for both the cards are zero
• For every $25 that you will spend at AEO stores, you will get 1 “Extra Savings” point
• In the Visa Card, you will get 1 “Extra Savings” point for every $100 that you will spend on other purchases except AEO stores using this card
• Having 10 points in your card would imply that you can use a $10 coupon for your purchases at the AEO stores

Earning the Rewards of American Eagle Credit Card

A Visa credit card holder will get more benefits than an in-store cardholder will. These benefits include:

• Flexibility to use the card anywhere Visa credit card is acceptable as a payment method
• You will earn 5 points for every dollar that you will spend anywhere outside AEO stores using this card

Apart from these two rewards, all the other rewards are common for both the cardholders. These include:

• You will earn 15 points for every dollar that you will spend in AEO stores using these cards
• You will get an additional $10 reward for every 25,000 points that you will accumulate
• There is free standard shipping with no minimum purchase limit
• You will receive a birthday coupon of 20% discount every year
• You will be offered a personal shopping day coupon which will allow you to avail more than the regular discount on one chosen day by you
• You will get an invitation to 6 cardholder exclusive events organized by EAO every year
• You will get a sign-up bonus of 20% discount on your first purchase made in either the store or online
• For every 5 jeans that you will purchase from the store or online, you will get 1 free
• For every 5 bras that you will purchase from the store or online, you will get 1 free

Redeeming the Rewards of American Eagle Credit Card

You can redeem all the points at AEO stores or their online website. There is no minimum requirement before you begin to redeem your rewards.

Benefits of American Eagle Credit Card to Card Holders

• Both the cards have good reward system with an amazing sign-up bonus of 20% discount on first purchase and 15 points on every dollar spent in any of the brand stores, both offline and online
• There are no annual fees. Hence, you will not have any pressure to make some minimum number of purchases from the store during the year to break even with the annual charges
• Whichever card you will get approved for, they both offer same benefits for your purchases in the AEO stores, thus making them both equally cherished

Verdict

Both the American Eagle Outfitters cards are beneficial if you are loving shopping from the brand frequently and visit the stores for your apparel needs. Though there are a regular APR interest rate and some other additional charges annually, you should go for either of the cards if you are good at maintaining your credit score and paying off in time for your credit card bills.

However, if you are looking to get a credit card that would offer you cash back options and better rewarding system for the purchases outside stores also, then you might want to consider some other options available in the market.