Last Updated: 07/28/2025
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Highlights
Purchase APR (Variable APR)
27.74%(Verified 06/21/2024)
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Balance Transfer APR (Variable APR)
28.74%(Verified 06/21/2024)
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Credit Score Range
600 - 850
Annual Fee
$0
American Eagle Visa Review
This is a store rewards card issued by Synchrony Bank. If you're wondering whether American Eagle Visa is the right card for you, read on.
Key Takeaways
- APR: This is not a great card for people who carry a balance. It has a variable regular purchase APR of 27.74%
- No annual fee. This is a great option for people looking for a low-maintenance rewards card. It gives you rewards on your purchases , but you don't have to pay an annual fee for the privilege.
- A 28.74% balance transfer fee. American Eagle Visa charges a fee of 28.74% on balance transfers. For example, a balance of $1,000 could cost $287.4 in transfer fees.
- Charges foreign transaction fees. Avoid using this card when traveling abroad because it charges a commission of up to 3% every time you make a transaction outside the U.S.
- Poor credit accepted. This card will consider people who have poor credit.
Pros & Cons of American Eagle credit card
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American Eagle credit card FAQ
Does American Eagle credit card have a cash back or rewards program?
American Eagle credit card is a rewards card.
| Description |
Does American Eagle credit card have a signup bonus?
This card doesn't offer a cash signup bonus.Does American Eagle credit card offer an annual loyalty bonus?
This card doesn't offer a cash loyalty bonus.What are the American Eagle credit card benefits?
American Eagle Visa provides the following benefits:
- Zero fraud liability
What are the relevant APRs for American Eagle credit card?
According to the Federal Reserve Board, the average regular APR for accounts that carry a balance (as of November 2024) is 22.80%. This card has higher than average regular APRs.American Eagle Visa has a variable purchase APR of 27.74%. The card has a variable balance transfer APR of 28.74% . It also has a variable cash advance APR of 28.74% .
Does American Eagle credit card have an intro APR offer on balance transfers?
No, it does not come with an intro APR offer for balance transfers.Does American Eagle credit card have an intro APR offer on new purchases?
This card does not offer an intro APR rate on new purchases.What are the fees for American Eagle credit card?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Foreign Currency Transaction Fee | Starting at 3% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Annual Fee | $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Late Fee Amount | $38 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Cash Advance Fee (%) | 28.74% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost rewards card.
There is a late fee of up to $38 . Does American Eagle credit card have a foreign transaction fee?
American Eagle credit card charges a foreign transaction fee of up to 3%. For example, if you spend $2,000 on a week vacation abroad you would pay a foreign transaction fee of $60. If you travel abroad you may want to leave this card at home and apply for one that doesn't charge foreign transaction fees.What is the customer service phone number for American Eagle credit card?
The customer service number for American Eagle credit card is (866) 226-5638.
What is the support contact email for American Eagle credit card?
The support contact email for American Eagle credit card is customer.service@mail.synchronybank.com.
What is the login page for American Eagle credit card?
You can access the login page of American Eagle credit card here.
How do people rate the customer service and user experience of American Eagle credit card?
We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.
Does Synchrony Bank perform a hard credit pull?
Yes, American Eagle credit card performs a hard credit pull when you apply for a loan. Additionally, it doesn't provide the option to check your rates using a soft credit pull, a feature that many lenders offer.
Click here to get prequalified rates from multiple leading lenders without a hard credit pull. However, if you accept a loan offer, a hard credit pull will likely be performed.
How to apply for American Eagle credit card
- Visit the website of American Eagle credit card.
- Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, and annual income.
- Check the information is accurate and submit your application.
If your credit score is preventing you from qualifying for this credit card, check out our guide for the best credit cards for bad credit.
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Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author's alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.
Hours of Operation
Sunday
8:00AM - 12:00AM
Monday
8:00AM - 12:00AM
Tuesday
8:00AM - 12:00AM
Wednesday
8:00AM - 12:00AM
Thursday
8:00AM - 12:00AM
Friday
8:00AM - 12:00AM
Saturday
8:00AM - 12:00AM