The AEO Connected Credit Card, or simply the American Eagle Credit Card, may be useful if you love to shop at American Eagle Outfitters. However, little about the card sets it apart from free membership in the AEO Connected customer loyalty program.

It’s also worth noting that American Eagle also offers the AEO Connected Visa Credit Card, which is virtually the same as the AEO Connected Credit Card. The difference: The AEO Connected Visa Credit Card works at those locations and anywhere that accepts Visa. It also earns 5 points for every $1 spent at places that accept Visa. The AEO Connected Credit Card works only at American Eagle Outfitters and Aerie stores.

That said, this review focuses on the American Eagle Credit Card, and not the Visa version. You’re likely better off using a different rewards credit card and joining the AEO Connected program.

Use the CardCruncher tool to find the best rewards card for you, and read on to learn all you need to know about the American Eagle Credit Card.

American Eagle Credit Card Highlights

Let’s look at a few key details for the AEO Credit Card before getting into a more in-depth review:

Annual Fee: $0

APR: 28.24% variable APR

Sign-Up Bonus: 30% off your first purchase

American Eagle Credit Card Benefits:

  • Get 30% off your first purchase including free shopping if you shop online
  • Receive a 20% off coupon for birthday
  • Earn 15 points for each dollar you spend at American Eagle or Aerie stores
  • Earn credits towards free merchandise, such as bras and jeans
  • Cardholders get access to six exclusive shopping events each year

American Eagle Credit Card Fees:

  • Up to $38 for late payments

Why Apply for the American Eagle Credit Card

Here’s why you may want to apply for the American Eagle Credit Card:

Get rewarded for shopping at American Eagle Outfitters

If you love shopping at American Eagle Outfitters or Aerie, you’ll earn rewards towardsfuture AEO or Aerie purchases. Once you open a card, you’re automatically enrolled in the AEO Connected loyalty program. You earn a healthy 15 points for each $1 you spend and get free standard shipping when shopping online. Once you reach 2,500 points, you’ll receive $10 to spend at American Eagle stores.

You’ll also get a 20% off coupon on your birthday. Cardholders will receive emails throughout the year for six special sale events, too.

Earn free merchandise

Not only do you earn points toward free rewards with the American Eagle Credit Card, but you can earn free merchandise, too. Currently, you get a free pair of jeans or bra for every five you purchase. This discount, combined with the above mentioned perks, means any loyal shopper will be handsomely rewarded.

American Eagle Credit Card: Drawbacks and Downsides

The American Eagle Credit Card has a few excellent benefits, but some drawbacks and downsides:

Rewards only work at American Eagle and Aerie stores

Like most store credit cards, the American Eagle Credit Card only allows you to redeem rewards at American Eagle stores. Unless you plan on spending a lot at American Eagle Outfitters or Aerie, other cards out there will be better suited for your spending. Any rewards you earn on the American Eagle Credit Card typically expire in 45 days, too.

You can use it only at American Eagle Outfitters

Not to be confused with the American Eagle Visa Card, the American Eagle Credit Card doesn’t work outside of American Eagle Outfitters or Aerie stores. If you want a credit card that’s accepted by other retailers, you’ll need to apply for the American Eagle Visa card or some other non-store credit card.

A high APR

The APR on the American Eagle Credit Card is similar to other store credit cards—meaning it’s higher compared to most credit cards. If you plan to open this card and carry a balance, you’ll end up paying a ton in interest charges.

You can get similar rewards without opening a credit card

Most of the benefits you get with the American Eagle Credit Card are the same as if you simply joined the AEO Connected program. It’s free to join and Full Access members receive $10 in rewards for every 2,500 points, and Extra Access members receive $15 for 2,500 points. Membership also gets the same types of discounts and members-only sales events as you get with the American Eagle Credit Card.

American Eagle Credit Card Alternatives

Consider these alternatives to the American Eagle Credit Card:

Amazon Prime Rewards Visa Signature Card

The Amazon Prime Rewards Visa Signature Card is a better alternative if you shop frequently online. If you’re an Amazon Prime member, you get 5% cash back on Amazon.com and at Whole Foods, 2% at gas stations, restaurants and drugstores, and 1% on all other purchases. You can redeem your rewards for cash back, gift cards or for travel.

Citi Double Cash Card

The Citi Double Cash Card is great for simple cash back. You’ll earn 1% on every purchase and another 1% cash back when you pay it off. In effect, you earn 2% cash back on every single purchase. That’s a lot more flexibility and overall better earnings than you’ll find on the American Eagle Credit Card. The Citi Double Cash Card has a $0 annual fee, and its APR should be lower, in case you ever do carry a balance.

American Eagle Credit Card FAQs

What is the AEO Connected loyalty program?

The AEO Connected loyalty program rewards you for purchases at American Eagle stores. There are two tiers: Full Access and Extra Access. If you spend $350 or more in a calendar year, you’ll be bumped up to Extra Access. With that, you’ll receive $15 in rewards for every 2,500 points you earn.

Can I use the American Eagle Credit Card everywhere?

No, the American Eagle Credit Card is a store credit card valid only at American Eagle Outfitters and Aerie stores. The American Eagle Visa Credit Card, however, can be used anywhere that accepts Visa.

Bottom Line: Should You Apply for the American Eagle Credit Card?

Whether the American Eagle Credit Card is worth it depends on your shopping habits. If you shop regularly at American Eagle, it could make sense. For most people, however, it’s better to get a more versatile cash-back credit card and to sign up for the AEO Connected loyalty program. That way, you’ll double dip with better cash back, and still get American Eagle rewards points. Check out the CardCruncher tool to find the right card for you—and start cashing in on all your spending.

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