American Eagle Store Card | Review & AEO Rewards Calculator

American Eagle Store Card

Card Review & AEO Rewards Calculator
5x American Eagle Brands
10% Off Purchases
20% Off Birthday Coupon
6 Cardholder Events Each Year

Learn the benefits that comes with having the American Eagle Store Card, calculate how many AEO Rewards Points you can earn, and compare against top cards.


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The American Eagle Store Card can only be used at American Eagle, Aerie, or AEO Factory. Since the card has no network, you will not be able to use it elsewhere like you can with the American Eagle Visa Card. If you're looking to earn extra rewards specifically with AEO brands, this is a great card to pick up as it provides a bonus points on purchases, 10% off everyday AEO purchases, free shipping, and much more.

Bonus Categories

The American Eagle Store Card earns bonus AEO Rewards Points per $1 spent on purchases made at AEO brands. There is no limit to the amount of rewards points you can earn with the card.

+5x American Eagle

The American Eagle Store Card earns 5 AEO Rewards Points per $1 spent at American Eagle, Aerie, and AEO Factory stores. This is equal to either an additional 2% return if you're a Full Access Member or an additional 3% return as an Extra Access Member. Earning 2% back can be easy to do as there are several no-fee cash back cards that can do the same such as the Citi Double Cash and PayPal Cashback Mastercard. When it comes to earning 3% though, you're looking at a pretty good return.

Remember that you'll earn 10 AEO Rewards Points just from being an AEO Connected Rewards member. This means you'll earn a total of 15 AEO Rewards Points overall when combined with the American Eagle Store Card.

0x Non-Category

The American Eagle Store Card cannot be used outside of AEO brands due to having no network assigned to it (Visa, Mastercard, etc). If you want to earn AEO Rewards Points outside of shopping at AEO brands, you'll need to pick up the American Eagle Visa Card. The Visa version earns 5x points on non-AEO purchases so you'll earn the same 2%-3% return depending on your status within the AEO Connected Rewards program.

Perks and Benefits

The American Eagle Store Card comes with a few benefits that can save you money on future purchases.

10% Off AEO Purchases

You will receive 10% off purchases made at American Eagle, Aerie, and AEO Factory when you use your American Eagle Store Card to make the purchase. In my opinion, this is one of the primary reasons to have this card if you shop at AEO brand stores often.

20% Off Birthday Coupon

Every year, during the month in which your age increases by one, you receive a 20% off birthday coupon. You'll be able to access this coupon in the AEO mobile app and you will also receive it via either text message or email depending on your account preferences. Non-card members with Extra Access status will also receive this coupon during the birthday month. Non-card members with basic Full Access membership will receive a smaller discount of 15%.

Cardholder Events

American Eagle cardholders will be given access to 6 exclusive cardholder events. This will usually consist of sales that non-cardholders will not be able to participate in. If you shop at AEO often, these events will provide extra opportunities to save money.

Free Shipping

When you use your American Eagle Store Card to pay for your purchase at American Eagle, Aerie, or AEO Factory, you will receive free standard shipping. This benefit will only apply to purchases being shipped to the United States (Puerto Rico included) and Canada. Non-card members with Extra Access status will also be able to partake in this money saving benefit.

Extra Access Status

AEO Connected Rewards Members, cardholder or not, can earn Extra Access status by spending $350 during the calendar year at American Eagle, Aerie, or AEO Factory stores. Extra Access grants several additional benefits which includes:

  • $15 Rewards For 2,500 Points (Instead of $10)
  • Free Standard Shipping
  • 20% Birthday Offer (Instead of 15%)

Most of the benefits listed you will receive complimentary just for having an American Eagle credit card. The most imporant benefit of Extra Access membership is the $5 bump in rewards for every 2,500 points earned.

Sign Up Bonus

The American Eagle Store Card sign up bonus is 20% off your first purchase when you open and use your American Eagle Store card. This sign up bonus cannot be combined with any other discount. The 20% off discount is applied to merchandise prior to sales tax and shipping and handling.

This sign up bonus is also offered on the American Eagle Visa Card.

Credit Card Fees

Fees
Annual Fee
Authorized User Fee
Foreign Transaction Fee

Annual Fee

The annual fee for the American Eagle Store Card is zero dollars and zero cents. Considering the bonus points, 10% off benefit, and free shipping, this is a great card to have if you commonly shop at American Eagle, Aerie, or AEO Factory. As long as you pay off your card in full every month, you can avoid the terrible interest rates this card has and take advantage of the benefits.

If you do not plan on paying your statement in full every month, do not apply for this card (or any other store card) as interest rates will eat away at your rewards faster than you can earn them.

Authorized User Fee

The American Eagle Store Card has a $0 authorized user fee. If you have family or friends that enjoy shopping at AEO brand stores, adding them can help you build points faster and make obtaining Extra Access membership easier.

Foreign Transaction Fee

The American Eagle Store Card can only be used at AEO brand stores so foreign transaction fees will not apply to the card.

and Card Value Calculator

You can use this rewards calculator to calculate how many points, miles, or cash back you can earn based on your spend per category. This calculator will also give you the dollar value of the card based on rewards earned and how much each benefit is worth to you minus the fees. You can click the Compare A Card button to compare this card against another card in the same calculator.

All category spend entered in the primary card's column will carry over to all credit card pages on the site so you don't have to re-enter the same information over again.

Credit Card
This calculator will calculate the cash value of the selected credit card(s) based on spend, benefits, and fees. You can compare this card against any another rewards card side-by-side by clicking on the Compare A Card button.
Compare A Card
Compare A Card
Select a card from the list below to compare it side by side against this card. You can search by card name (e.g. chase sapphire reserve, uber visa) or by rewards program (e.g. thankyou points, membership rewards points).
Currency Worth
This is the cash value of points and miles used in these calculations. You can click on the amount to change the value or you can select View Rewards As to calculate your rewards when transferred to partners.
View Rewards As...
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0 Cent(s)
View Rewards As...
This section allows you to view your rewards as if you transferred them to a partner. Select a transfer partner below and the calculator will alter the calculator to reflect the transfer ratio and the reward currency of the receiving program. This only applies to the currency of the selected card. Not all programs have transfer partners. I also do not have the cash value of points and miles for all transfer partners.
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Edit Value
Enter the cash value of these rewards in cents per point/mile. You can enter the value as X.XX cents or 0.0XXX cents. The maximum value allowed is 15 cents ($0.15) and the minimal value is 0.1 cents ($0.001).
Loyalty/Rewards Programs
Covers hotel loyalty status, status with bank rewards programs, and few others. These are added automatically based on card selection, but can be manually added as well.
/ Loyalty Programs
Add/Remove Loyalty Programs
Select which loyalty programs you want to include in the calculations. You will be able to select your status with the program and it will calculate additional points/bonuses based on what you enter in the calculator.
Loyalty Programs
Other Bonuses
All card card specific bonuses will be listed here. These are added automatically based on the selected card(s).
Categories Spending
Enter how much you spend in each category listed. You can click on the amount to edit the value. You can use +/- Categories to add and remove categories from the list and Options to copy spend between columns and clear all spend.
/ Categories
Options
Add/Remove Categories
Select which categories you want to appear in this calculator. You can search categories by typing in a keyword below. De-selecting categories will remove them from this calculator. Categories are changed once you hit 'Update'.
Currently Selected:
Deselect All
Clear Spend
This will clear the spend in all of the categories in both columns. This will also clear all saved values.
Copy Spend
Copy Right will take the spend from the left column and copy it to the right column. Copy Left will take the spend from the right column and copy it to the left column. The spend amount ($) and unit of time (month, day, quarter) will be copied over.
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Reward Bonuses
This section holds sign up bonuses, loyalty bonuses, and bonus bonuses. Most bonuses here will be listed automatically based on certain criteria. You can click 'Extra Bonus' if you wish to enter your own bonus amount.
Extra Bonus
Any additional bonuses you wish to add such as a sign up bonus or point bonus for adding authorized users
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Total Earnings
Sum of all rewards above this line.
Cash Value of Earnings
Based off of currency worth.
Learn how you can use cash back portals to earn hundreds in cash back every year booking travel and shopping online. Easily double and triple dip on rewards when you combine cash back portals, loyalty programs, and rewards credit cards.
Calculator Continues Below
Monetary Bonuses/Perks
This is a list of cash perks and bonuses associated with the selected card(s). Some perks will be listed here automatically. You can click on 'Perk Bonus' if you want to add additional value for the card.
Perk Bonus
Enter how much you value any unmentioned perks this card offers.
$0
Annual Fees
This section contains the annual fee and authorized user fee (if applicable) to hold on to the listed card(s).
$0
Edit Fees
Edit the annual fee and authorized user fee of the Card (if applicable).
Annual Fee: -
Auth Fee: -
Grand Total
The total estimated value you can get out of this card and the amount of return for your spend.
Total Card Value
The value of the card when everything is taken into account.
$0
Total Return
The percent you are earning per dollar spent on this card.
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Page Last Updated: 2020-02-10
Written By: Robert Flowers III

Editorial Note: All opinions expressed on this site are my own and not those of any bank, rental car company, credit card issuer, hotel company, or any entity mentioned herein. Opinions, calculators, and other editorial content on this page have not been approved or endorsed by any entities on this site. You can read our Private Policy to learn more.

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About These Calculators: These calculators are provided to help you estimate the value of points, miles, and cash back you can earn with various rewards programs and using reward earning credit cards. These calculators are meant to provide an estimate of rewards earned and are not meant to reflect the exact amount of points you may receive. Be sure to read the terms and conditions of any credit card before you apply as benefit and perk changes may not be reflected immediately on this website.


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