I looked over the American Eagle credit card application… here’s what I found about what this card does and doesn’t offer.

American Eagle Outfitters store
American Eagle Outfitters definitely gives Abercrombie a run for their money! I mean, they are basically the same style of clothes that A&F sells but for half the price! Since I shop at American Eagle so much, I decided to check out their credit card. Here are some things you will want to know before you apply.

There’s actually TWO different cards they offer...

American Eagle credit card
Their regular is your typical store credit card… that means it can only be used for purchases at American Eagle or their sister store, aerie. Purchase can be made either in-store or on their website.

American Eagle Visa credit card
The Visa card is a regular credit card… so it can be used at American Eagle clothing stores, Aerie, or anywhere else Visa is accepted for payment.

The Pros and Cons of each:

Regular American Eagle card
Annual Fee: There is no annual fee, but that’s nothing special since pretty much no credit cards now charge an annual fee

Rewards: You get 4% back on American Eagle and aerie purchases, but unfortunately those rewards can be redeemed for purchases at their stores only.

Coupons: As most store cards do, they usually offer the 15% off your first purchase. They also give a coupon on your birthday for 20% and they may send others once in a while too.

Interest Rate: You have the ability to only make the minimum payment each month, but if you carry any balance whatsoever, the interest rate is ridiculous. At the time of this credit card review I see their application lists it as 24.99%!

Customer Service: Although I don’t have this credit card myself, I looked online at complaint boards and forums… reportedly there are some people that feel they have very poor customer service.
American Eagle Visa card
Annual Fee: the American Eagle Visa doesn’t have an annual fee, but again, that’s pretty typical with credit cards now.

Rewards: Like the regular American Eagle credit card, the Visa card also gives you 4 points per dollar spent at their stores. For purchases outside of their stores, they only give you 1 point per dollar spent.

Coupons: The coupons on the Visa are the same as the regular AE card.

Interest Rate: This one has a slightly better interest rate than the regular card, but it’s still outrageous. When I checked it was either 19.99% or 23.99% (depending on your credit). That’s still extremely high!

Customer Service: Again, I don’t have any personal experience dealing with them but I’m not seeing the best reviews for customer service on this card either.
Should You Get One?
If you buy pretty much everything at American Eagle, then it may be worth it for the coupons. However, I get coupons all the time from them anyway simply for being on their mailing list. The rewards on spending are okay at their stores, but they suck everywhere else… which for me is a big turnoff. The APR is ridiculous so obviously if you can’t pay your bill in full then the American Eagle credit card isn’t for you.

How To 5% Cashback at American Eagle With a Different Card
Discover is one of this site’s sponsors and they have a killer rewards program that allows Discover cardholders to save at American Eagle two different ways:

First way to save... Using ShopDiscover's online portal
This is an exclusive online shopping portal for Discover cardmembers. When you access American Eagle’s site through it, you get a 5% cashback bonus for online purchases!

American Eagle discount from Discover

Those are just a few of the many, many stores they have in their online shopping program! However you need to have a Discover card to use it (available on all of their cards).

Second way to save... Getting 5% at department stores/clothing retailers
If you get the free Discover student card, they give a 5% cashback bonus in a bunch of categories, including clothing stores! Check out our Discover More review to find out how it works!


Review last updated 2/10