The AEO Connected Visa credit card is a popular option for fans of American Eagle Outfitters and Aerie, as it offers accelerated rewards for loyal shoppers. With no annual fee and a competitive rewards system, this card is tailored towards those who frequently shop at American Eagle and its sister brand, Aerie. In this review, we will discuss the key features, benefits, and drawbacks of the AEO Connected Visa credit card to help you determine whether it aligns with your shopping habits and financial needs.
One of the main advantages of the AEO Connected Visa card is the impressive rewards rate. Cardholders can earn 15 points for every dollar spent at American Eagle Outfitters and Aerie stores, and 5 points for every dollar spent on other purchases wherever Visa is accepted. Moreover, the card offers a 20% discount on a cardholder’s first purchase, providing an attractive incentive to sign up and start saving on trendy clothing and accessories.
However, there are certain factors to consider before opting for the AEO Connected Visa credit card. For instance, the card features a relatively high purchase APR – 25.99% as of July 2019. Additionally, while the card offers generous rewards for American Eagle and Aerie shoppers, those with broader spending habits may find cards with more versatile rewards programs more appealing. With these points in mind, potential cardholders should carefully evaluate their priorities and preferences in order to determine if the AEO Connected Visa card is the best fit for their financial lifestyle.
AEO Connected Credit Card Overview
Issuer: Synchrony Bank
The AEO Connected Credit Card is issued by Synchrony Bank and is designed primarily for users who frequently shop at American Eagle and Aerie stores. This store credit card aims to reward loyal customers with various perks and benefits, such as points on purchases and exclusive discounts.
Type: Store Credit Card
The AEO Connected Credit Card is a store card, which means it is not affiliated with major card networks like Visa or Mastercard. It can only be used at American Eagle and Aerie stores, both online and in-store. While it is more limited than a general-purpose credit card, it can help frequent shoppers maximize rewards at their favorite stores.
As a cardholder, you earn 15 points for every dollar spent at AEO or Aerie stores with your AEO Connected Credit Card. These points can then be redeemed for rewards certificates, which are automatically issued in $10 increments each month for every 2,500 points earned. These certificates can be used on sale merchandise and combined with other offers, potentially increasing your savings.
In addition to the rewards program, the AEO Connected Credit Card offers various benefits for cardholders. These include a 20% off discount on the first purchase made using the card, buy 5 bras and get 1 free offer, a personal shopping day coupon, and access to six cardholder events throughout the year.
The AEO Connected Credit Card generally requires a fair to good credit score (580-739) for approval. The APR for this card is 27.74% (variable), which is relatively high compared to other credit cards. It is crucial for cardholders to pay off their balance in full each month to avoid incurring excessive interest charges.
In conclusion, the AEO Connected Credit Card can be a valuable addition to the wallet of those who frequently shop at American Eagle and Aerie stores. Its rewards program and exclusive benefits enhance the shopping experience while providing opportunities to save on purchases. However, the high APR and store-specific limitation should be considered when evaluating if this card is the right fit for your financial needs.
Eligibility and Application
Credit Score Requirement
The AEO Connected Credit Card recommends a credit score between fair to good (580-739) for eligibility. Although a higher credit score above 739 might help you get better terms and approval, it’s not a strict requirement for the card application. If you have an excellent credit score, you are also likely eligible for the card.
Income Requirements
While the exact income requirements for the AEO Connected Credit Card are not explicitly disclosed, it’s crucial for applicants to demonstrate financial stability and consistent income. Keep in mind that different credit card issuers may have varying income requirements, but the primary focus will always be on your ability to manage credit and make timely payments.
When applying, be prepared to provide details about your employment, annual income, and other financial information. This may include salary, bonuses, investments, or any other relevant sources of income. Remember that meeting the eligibility requirements does not guarantee approval, but it increases your chances of a successful application.
As a reminder, the AEO Connected Credit Card offers the following rewards rate:
- 15x Points per $1 spent at AEO/Aerie stores
- 5x Points per $1 spent everywhere else
- 2x Points on jeans
Keep in mind that this card has no annual fee, but it does have a late fee which should be considered when assessing the card’s overall value. Maintaining good credit and meeting income requirements are essential aspects of the card application process, so it’s crucial to manage your finances responsibly and keep your credit profile healthy.
Card Features and Benefits
Reward Points on Purchases
The AEO Connected Credit Card allows cardholders to accumulate reward points for their purchases. Cardholders earn 15x points per $1 spent at AEO/Aerie stores, providing a substantial return on spending. In addition to this, there are also 5x points per $1 spent everywhere else, making the card useful for a variety of shopping purposes. For jean lovers, there’s an added bonus: 2x points on jeans purchases at American Eagle stores.
20% Off First Purchase
As an introductory offer, the AEO Connected Credit Card provides a generous 20% off on your first AE or Aerie purchase made with the card. This perk can help you save money on your initial shopping experience and is an excellent way to become acquainted with the benefits of the card.
Free Standard Shipping
One of the more convenient benefits of the AEO Connected Credit Card is that it comes with free standard shipping on all American Eagle and Aerie orders. This perk can save cardholders a significant amount of money on shipping fees over time, making it an essential consideration for those who frequently shop with these brands.
Rewards Redemption and Expiration
Cash Back Options
The AEO Connected Credit Card allows cardholders to earn rewards on their purchases at American Eagle and Aerie stores. For every dollar spent, you will receive 15 points, which can be later used for rewards redemption. While the card does not offer direct cash back, the rewards system is designed to provide significant value to frequent American Eagle shoppers.
Gift Card Redemption
Once you accumulate 2,500 points, you will automatically receive a $10 rewards certificate, which can be used for future purchases at American Eagle and Aerie. You can combine these certificates with other offers and even use them on sale merchandise. However, make sure to keep track of your rewards as they must be redeemed within the issued guidelines.
Rewards Expiration
The good news is that your points don’t expire as long as your account remains active. To maintain an active account, you must make at least one qualifying purchase within a 375-day rolling period. By keeping track of your points and making regular purchases at American Eagle or Aerie, you can ensure that your points remain valid and available for redemption.
In summary, the AEO Connected Credit Card offers a rewarding experience for loyal American Eagle and Aerie shoppers through its points system and redeemable certificates. It is important to regularly use the card and know when to redeem rewards to fully enjoy the card’s benefits.
Fees and Charges
No Annual Fee
The AEO Connected Credit Card has no annual fee, making it an affordable option for those who frequently shop at American Eagle and Aerie.
Balance Transfer Fee
For balance transfers, the card may charge a fee, but it’s important to check with the issuer for the latest rates on this specific fee. Remember that transferring balances may also affect your APR.
Foreign Transaction Fee
When making purchases in foreign currencies or traveling abroad, users should be aware that the AEO Connected Credit Card has a foreign transaction fee. Details about this specific fee should be verified with the card issuer to avoid surprises during international trips.
Late Payment Fee
A late payment fee may be applied to your account if you cannot make the minimum payment by the due date. Check with the card issuer for specific fees and details on late payment penalties to avoid hurting your credit score or incurring extra costs.
Cash Advance Fee
The AEO Connected Credit Card may have a cash advance fee if you withdraw money from an ATM or make a cash advance transaction. This can quickly add up if you frequently rely on cash advances. To find out the specific fee and terms, consult with the card issuer.
Penalty APR
A penalty APR could be triggered if you make a late payment, default on the credit agreement, or exceed your credit limit. Keep track of your spending habits and ensure prompt and complete payments to maintain a favorable APR and avoid penalties.
Pros and Cons of AEO Credit Card
Pros
- Reward Certificates: With the AEO Connected Visa credit card, reward certificates are automatically issued in $10 increments each month for every 2,500 points you earn. These certificates allow you to save on your purchases at American Eagle and Aerie stores.
- Combining Offers: You can use reward certificates on sale merchandise and combine them with other offers, giving you more bang for your buck.
- Points Don’t Expire: As long as your account is active (with at least one qualifying purchase within a 375-day rolling period), your points won’t expire.
- Points on Purchases: Earn 15 points per $1 spent at AEO/Aerie stores when using the AEO credit card.
- Special Perks: Enjoy benefits like “buy five, get one free” on jeans and bras (limited to the company brand only), personal shopping day coupons, and access to six cardholder events each year.
Cons
- Certificate Expiration: Reward certificates expire in 45 days, which requires you to use them within a limited timeframe.
- Credit Limit Changes: Some users have reported credit limit reductions without apparent cause, which can be a disadvantage for those who manage their credit responsibly.
- Limited Brand Usage: The “buy five, get one free” offer on jeans and bras is limited to the American Eagle and Aerie brands only, and does not apply to discounted or third-party items.
Card Alternatives
When considering the AEO Connected Credit Card, it’s essential to explore other credit card options as well. In this section, we will discuss two types of alternative cards: cash back cards and store cards with better rewards.
Cash Back Cards
Cash back cards offer a simple, straightforward way to earn rewards on everyday purchases. These cards typically provide a percentage of cash back on every purchase made with the card. Some popular cash back cards include:
- Chase Freedom Unlimited – This card offers 1.5% cash back on all purchases, with no earning caps or rotating categories. Additionally, there’s no annual fee.
- Capital One Quicksilver Cash Rewards Credit Card – With this card, you can earn 1.5% cash back on every purchase, and there’s no annual fee to worry about.
- Citi Double Cash Card – Earn 1% cash back when you make a purchase and an additional 1% as you pay it off, for a total of up to 2% cash back, with no annual fee.
Store Cards with Better Rewards
While the AEO Connected Credit Card offers some benefits, there are store cards with more attractive rewards available. Here are a few examples:
- Amazon Prime Rewards Visa Signature Card – This card provides 5% cash back at Amazon.com and Whole Foods, 2% cash back at restaurants, gas stations, and drugstores, and 1% back on all other purchases. There’s no annual fee, but a Prime membership is required.
- Target RedCard – This store card offers an automatic 5% discount on all Target purchases, free shipping, and an extended return policy. There’s no annual fee.
- Gap Inc. Visa Card – With this card, you can earn 5 points per dollar spent at Gap, Banana Republic, Old Navy, and Athleta, along with 1 point per dollar on all other purchases. For every 500 points earned, you’ll receive a $5 reward. There is no annual fee.
Considering other credit card options, like cash back cards and store cards with better rewards, can help you make an informed decision about which card is best for your financial goals and shopping habits.
Customer Service and Support
Contacting Synchrony Bank
The AEO Connected Credit Card is issued and managed by Synchrony Bank. For any inquiries or issues related to the card, you can contact the Synchrony Bank customer service. They offer different methods for cardholders to get support:
- Phone: You can call the Synchrony Bank customer service number at 1-866-893-7864. They are available to assist you in resolving queries related to your account, card benefits, and any issues that may arise.
- Online Account Management: Synchrony Bank provides an online platform where you can log in to your account to view critical details about your card, make payments, track transactions, and manage your account effectively. This helps take advantage of the card features and stay updated on your account activity.
- Secured Messaging: Once you sign in to your account on the Synchrony Bank website, you can use their secure chat feature to speak with a customer service representative. This chat option ensures that you can receive assistance while protecting your privacy and account information.
Although not all specific reviews about the AEO Connected Credit Card’s customer service are available, it’s essential to keep in mind that the quality of support may vary among Synchrony Bank credit cards. Some cardholders may have a positive experience, while others may express dissatisfaction with the customer service.
It is also vital to monitor your account regularly and keep it in good standing to avoid issues such as closed accounts. By staying up to date with your card’s terms and promptly addressing any concerns, you can continue to enjoy the benefits offered by the AEO Connected Credit Card.
Frequently Asked Questions
Can the card be used everywhere?
The AEO Connected Credit Card can be used at American Eagle Outfitters and Aerie stores. Additionally, the AEO Connected Visa Credit Card can be used anywhere Visa is accepted, providing more flexibility in spending and rewards earning.
How does it build credit?
Using the AEO Connected Credit Card responsibly can help build your credit. By making on-time payments and maintaining a low credit utilization ratio, you can demonstrate responsible credit management, which contributes positively to your credit score.
What’s the credit limit?
The credit limit for the AEO Connected Credit Card varies depending on the cardholder’s creditworthiness. Factors such as your credit score, income, and payment history can influence the credit limit that you are offered. It is important to note that maintaining a low credit utilization ratio can also help improve your credit score.
How to make a payment?
Payments for the AEO Connected Credit Card can be made online through the card issuer’s website, by mail, or over the phone. It is recommended to set up an online account for easy access and management of your credit card payments and transactions.
Who is the issuer?
The AEO Connected Credit Card is issued by Synchrony Bank. This financial institution provides support and services for the AEO Connected Credit Card, including managing payments and handling any questions or concerns you may have about your account.
Contact number for assistance?
For assistance regarding the AEO Connected Credit Card, you can contact Synchrony Bank’s customer service at 1-866-232-7443. They can help resolve any issues or answer questions about your account and the card benefits.
