American Eagle Outfitters (AEO) offers interested customers two different credit cards. Your loyalty card allows you to earn rewards for AEO purchases, while the Visa card can be used anywhere the Visa card is accepted. With the AEO visa, your interest rate on purchases is 24.24%, slightly lower than the loyalty card APR of 25.24% (APR subject to change).


These credit cards offer valuable rewards points that can be redeemed for helpful gift cards if you are a loyal American Eagle customer. Using our step-by-step guide, you can apply for an American Eagle credit card without any difficulty. 

Frequently Asked Questions

American Eagle Credit Cards are accepted worldwide. Can I use them anywhere?

You can use the American Eagle Outfitters (AEO) American Eagle Credit Card anywhere your Visa is accepted. This is virtually anywhere globally, as Visa enjoys wide acceptance across the globe. Remember that when you use your American Eagle Outfitters (AEO) credit card abroad or online at international merchants, a 3% foreign transaction fee applies to your transactions.

What are the American Eagle Credit Card requirements for approval?

American Eagle Outfitters (AEO) credit card applicants must be 18 years old and have a valid social security number or tax ID. In addition, candidates must have an American certificate. You must have an address, sufficient income to meet minimum monthly payments, and good credit (score of 700 or higher) to qualify for the Visa version of the loan. American Eagle Outfitters (AEO) loyalty cards require fair credit or better (a credit score of 640+).

How can I reopen my closed American Eagle Outfitters Credit Card?

You can restore your secured American Eagle Outfitters credit card by calling the issuer, in this case, Synchrony Bank, and requesting reinstatement. The number is 1-800-843-0875. Depending on how long it was closed, your account can be reopened with a simple phone call to the issuer. However, you may need to reapply and go through another credit check. You will be guided through the process of reopening your account.