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AEO Connected Credit Card for American Eagle Review

AEO Connected Credit Card for American Eagle Review

*Editorial Note: The content of this article is based on the author’s opinions and recommendations alone. It has not been previewed, commissioned or otherwise endorsed by any credit card issuer. This site may be compensated through a credit card issuer partnership.

This article was last updated Sep 17, 2018. Terms and conditions may have changed. For the most accurate information, please consult the issuer website.

Consumers who regularly shop at American Eagle Outfitters and Aerie can see benefit from the AEO Connected® Credit Card. This store card can only be used on purchases at AEO and Aerie stores and at ae.com and aerie.com. But there is the AEO Connected® Visa® Credit Card, which can be used anywhere Visa is accepted. We’ll detail the differences between the two cards in this review.

At a $0 annual fee, the AEO Connected® Credit Card doesn’t cost you anything to carry, so you can fully benefit from earning rewards on your purchases and from perks that include free standard shipping — as long as you pay your bill on time and in full each month.

In this review, we’ll break down who should consider applying for the AEO Connected® Credit Card, the rewards associated with the card and alternative cards for apparel shopping.

Who the AEO Connected® Credit Card is best for

If you don’t mind that the AEO Connected® Credit Card can only be used at AEO and Aerie stores and at ae.com and aerie.com and that reward redemption options are limited to certificates that can only be used at the stores above, then this card may be a good choice for you. You can earn rewards at a quicker rate compared to using a general-purpose card. But if you’re someone who carries a balance from month to month or wants flexible redemption options, the AEO Connected® Credit Card isn’t the best choice for you. Check out some of the alternative cards we mention later.

AEO Connected® Credit Card vs. AEO Connected® Visa® Credit Card

American Eagle Outfitters offers two credit cards that are very similar — the AEO Connected® Credit Card and the AEO Connected® Visa® Credit Card. The main difference between the two cards is that the AEO Connected® Credit Card is a store card. That means it can only be used at AEO and Aerie stores and at ae.com and aerie.com. In comparison, the AEO Connected® Visa® Credit Card can be used anywhere Visa is accepted, so you can earn points on all purchases made with your card.

Rewards breakdown

The basic rewards for the AEO Connected® Credit Card and the AEO Connected® Visa® Credit Card are the same, but since the AEO Connected® Visa® Credit Card can be used anywhere Visa is accepted, you can earn rewards on all your spending with the card.

Here are the specifics for each card:

  • AEO Connected® Credit Card: Earn 15 points per $1 spent at AEO and Aerie stores and at ae.com and aerie.com
  • AEO Connected® Visa® Credit Card: Earn 15 points per $1 spent at AEO and Aerie stores and at ae.com and aerie.com, earn 5 points for every $1 spent anywhere else Visa® credit cards are accepted

For every 2,500 points you earn — or $167 spent at AEO and Aerie stores and at ae.com and aerie.com — you’ll receive a $10 reward that can be used online or in-store at AEO and Aerie. That’s about an effective 6% rewards rate. Both cards also provide a new cardmember discount where you receive a coupon for 20% off your first purchase, refer to coupon for details.

You may think that earning 15 points per dollar spent is a great rate — and it is — but to put it in perspective, cardholders really only earn an additional five points per dollar spent since anyone can sign up for the free AEO Connected® program, which provides a base 10 points per dollar spent. See the next section for more details on the AEO Connected® program.

AEO Connected® program

The AEO Connected® program is free and provides members exclusive perks and rewards. There are two tiers: Full Access and Extra Access. Full Access only requires you to make one purchase a year, while Extra Access requires $350+ in annual spending.

When you open an AEO Connected® Credit Card or AEO Connected® Visa® Credit Card, you’re automatically enrolled in the program at the Full Access level, however, instead of earning 10 points per $1 spent at AEO and Aerie stores and at ae.com and aerie.com you Earn 15 points per $1 spent at AEO and Aerie stores and at ae.com and aerie.com.

Here are the benefits at the Full Access level:

  • 10 points per $1 spent at AEO and Aerie stores and at ae.com and aerie.com
  • 2,500 points equal a $10 reward
  • Buy five jeans, get one free (clearance jeans excluded)
  • Buy five bras, get one free (clearance bras excluded)
  • 15% off birthday coupon

If you spend $350+ annually, you’ll reach Extra Access and can benefit from a higher $15 reward for every 2,500 points earned, a higher 20% off birthday coupon and free standard shipping. Note: Both the AEO Connected® Credit Card and the AEO Connected® Visa® Credit Card offer a 20% off birthday coupon and free standard shipping without the need to spend $350 a year. But if you want to earn the higher $15 reward for every 2,500 points, you’ll need to spend $350+ a year to reach Extra Access.

Where the AEO Connected® Credit Card falls short among store cards

The AEO Connected® Credit Card has the common high APR associated with store cards at 27.74% variable. If you carry a balance on this card, you’ll incur high interest charges and may fall into debt. As a general rule, we strongly recommend you pay your bill on time and in full each month. If you pay on time and in full each month, the 27.74% variable APR shouldn’t be an issue.

Alternatives

Flat rate

The Citi® Double Cash Card – 18 month BT offer is consistently our top pick for a cashback card with a $0 annual fee and the ability to earn 2% cash back on purchases: 1% when you buy plus 1% as you pay. Compared to other cards that may only offer 1% cash back on everyday purchases, that rate is hard to find. Besides cash back, you can register eligible products with Citi® Price Rewind and Citi will search for a lower price within 60 days from the purchase date. If a lower price is found, you may receive the difference between the price you paid and the lower price.

  • Earn 2% cash back on purchases: 1% when you buy plus 1% as you pay.

  • 0% for 18 months on Balance Transfers

  • 15.49% - 25.49% (Variable)

Highlights
  • Earn cash back twice. Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.
  • To earn cash back, pay at least the minimum due on time.
  • Balance Transfer Offer: 0% intro APR on Balance Transfers for 18 months. After that, the variable APR will be 15.49% – 25.49%, based on your creditworthiness.
  • Balance Transfers do not earn cash back.
  • The standard variable APR for Citi Flex Plan is 15.49% – 25.49%, based on your creditworthiness. Citi Flex Plan offers are made available at Citi's discretion.

See additional details for Citi® Double Cash Card – 18 month BT offer

More Info

Bonus 5%

If you don’t shop at AEO or Aerie, the AEO Connected® Credit Card isn’t for you. You may be better off with a cashback card that offers rotating 5% cashback categories on a variety of purchases that may include department stores or online shopping sites such as Amazon.com for one quarter of the year. Take note, while these cards can provide you a high 5% cashback rate on eligible purchases, you need to remember to activate the bonus categories each quarter. And the 5% cashback rate often has either quarterly or yearly maximums up to $1,500 of spending before the cashback rate drops to 1%.

Here are two of our favorite rotating 5% cashback cards:

  • Get a dollar-for-dollar match of all the cash back you've earned at the end of your first year, automatically*

  • Earn 5% cash back at different places each quarter up to the quarterly maximum, when you activate*

  • Any amount, any time. Cash back rewards never expire*

Highlights
  • INTRO OFFER: Discover will match ALL the cash back you've earned at the end of your first year, automatically. There's no signing up. And no limit to how much is matched.
  • Earn 5% cash back at different places each quarter like gas stations, grocery stores, restaurants, Amazon.com and more up to the quarterly maximum, each time you activate.
  • Plus, earn unlimited 1% cash back on all other purchases - automatically.
  • Redeem cash back any amount, any time. Rewards never expire.
  • Use your rewards at Amazon.com checkout.
  • Get an alert if we find your Social Security number on any of thousands of Dark Web sites.* Activate for free.
  • No annual fee.
  • See Rates & Fees

See additional details for Discover it® Cash Back

More Info

  • Earn a $150 Bonus after spending $500 on purchases in your first 3 months from account opening.

  • 0% Intro APR on purchases and balance transfers for 15 months

  • 16.74% - 25.49% Variable

Highlights
  • Earn a $150 Bonus after you spend $500 on purchases in your first 3 months from account opening
  • Earn 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. Enjoy new 5% categories each quarter!
  • Unlimited 1% cash back on all other purchases - it's automatic
  • 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 16.74-25.49%.
  • 3% intro balance transfer fee when you transfer a balance during the first 60 days your account is open, with a minimum of $5.
  • No annual fee
  • Cash Back rewards do not expire as long as your account is open and there is no minimum to redeem for cash back.
  • Free credit score, updated weekly with Credit JourneySM

See additional details for Chase Freedom®

More Info

Bottom line

The AEO Connected® Credit Card is a good choice for AEO and Aerie shoppers who don’t carry a balance and spend at least $350 a year at the stores since you can benefit from earning a $15 reward for every 2,500 points, or $167 in spending. If you typically carry a balance, spend less than $350 a year or are looking for a simpler rewards card, you may be better off joining the free AEO Connected® program and using one of the alternative cards mentioned above. They provide flexible redemption options that typically include statement credits, gift cards and direct deposit — compared to the reward certificate provided by the AEO Connected® Credit Card that can only be redeemed online and in-store at AEO and Aerie.


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