American Eagle Outfitters runs two Synchrony Bank co-branded credit cards: a store-only card and a general-purpose Visa. Both earn the same headline reward — 15 points per $1 at American Eagle and Aerie — with no annual fee, and the choice mainly comes down to whether you want rewards outside AE and Aerie too.
Store-only vs. Visa
The AEO Connected Credit Card works exclusively at American Eagle and Aerie. The AEO Connected Visa is the general-purpose version — usable anywhere Visa is accepted, adding 5 points per $1 on non-AE/Aerie purchases (a notably strong everyday rate for a co-branded card), but typically requiring stronger credit to get approved.
The APR and penalty APR
Both cards carry a 33.24% variable purchase APR for new accounts as of January 1, 2026 (verified August 2026), with a penalty APR of up to 39.99% that can apply after a late payment. Like most store cards, these are built around the rewards rate, not low-cost borrowing — plan to pay in full each cycle.
Our methodology
Every figure above is attributed to Synchrony Bank and AEO's own published disclosures, verified August 2026. ClearValue Lending is not a card issuer; we score and compare publicly available terms. Confirm current terms at ae.com/us/en/content/credit before applying. See our full review methodology.