American Eagle Store Card
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.
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.
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.
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%.
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.
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
|Authorized User Fee|
|Foreign Transaction 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.
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.
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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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