How to Get the Most Out of An American Eagle Credit Card

If you are planning to apply for the American Eagle Credit Card from American Eagle Outfitters or AEO, then you need to know how to get the most out of it. The card offers its holder a convenient way to pay for purchases from the clothing retailer, which includes receiving special discounts and shopping points. However, you must pay attention to the fine print in order to get the most out of your AEO card.

How the American Eagle Credit Card Works

The card offers you a revolving line of credit, similar to what you get from the MasterCard or Visa Card. However, it’s only accepted by the American Eagle company’s website and the Aerie retail locations. Apart from being unable to make purchases from other retailers, you cannot use the card to make an ATM withdrawal.

You only need a few minutes to apply for the card from the American Eagle‚Äôs website, or by physically visiting its brick and mortar stores. Once you get the card activated, you can start using it immediately. However, the credit limit is determined by your credit score, the higher it is, the greater the limit. The card’s annual percentage rate or APR is higher than at 25.24%.

However, if you apply for the American Eagle Visa Card, you can use it anywhere that the Visa is accepted. The downside is you will to go through a selective approval process. Moreover, the Visa’s APR is slightly lower, at time by 1%.

American Eagle Credit Card’s Rewards and Benefits

As an American Eagle Credit Card customer, you will get a welcome discount of 15% the first time you make a purchase with your new card. Moreover, for every $25 that you spend when shopping with the card at Aerie or American Eagle, you will get one Extra Savings Point. Each point is worth $1, and they are redeemable in form of discounts when making a purchase from their store only.

Each year, you will want to participate in special saving events the store holds for its cardholders only. Some of the unique features if the saving points is that they do not expire, and even the birthday coupon can be used any other day, not just on your birthday. You can therefore save it for purchase on a later date. On each birthday, as a cardholder, you will receive a 20% off-coupon for a purchase that you will make on your birthday, or some other date after your birthday.

How to Benefit the Most from the Offers

The only way to benefit the most from American Eagle Credit Card is to shop from their store as often as possible. Any time you make purchases, even if it is just one time per year, you qualify to get an Extra Saving Point.

However, if you only plan to be shopping once per year, you should consider signing up for the 15% discount. That will mean that if you do a back-to-school shopping for your teenager amounting to $200, you will be able to save $30, without doing anything else.

Terms and Conditions

The American Eagle Credit Card has some fine print just like other cards, and one of the most important conditions is that you cannot apply multiple discounts on one purchase. That means that if you have your 20% off coupon you got for your birthday, and the Extra Savings Points you have accumulated so far, you can only use one of them. The smart thing to do therefore is to use the one that offers you the most savings if you are cash strapped at that time. However, you should use the birthday discount is you know your status is about to change to collections.

That is because the birthday discount only applies to accounts that are in good standing. Moreover, delinquent cardholders do not qualify to receive the birthday coupon. Lastly, you can only apply the birthday coupon is you are using the American Eagle Credit Card to pay for your purchase, but not when paying in cash or using other cards.

We hope that you found this article to be informative and engaging, and you will make the best use of your American Eagle Credit Card. Overall, this card rewards you for shopping more with it and paying clearing your balance on time.


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