American Eagle Credit Card Login (2023)

FAQs

How easy is it to get approved for an American Eagle credit card? ›

As with most store cards, they'll require a score of at least 640, which is the lowest credit score that puts you in the fair credit area. Anything higher than that and your odds improve significantly.

The most common reason for a card to be declined is because you're over your credit limit, or the purchase in question would put you over your credit limit. While some issuers either don't have a set credit limit or let you charge above it for a fee, many issuers use your limit as a hard stop for purchasing power.

Over the phone: Call (800) 843-0875 and follow the prompts to have the automated system read your current balance. Mobile app: Log in to the mobile app for iOS and Android. Your credit card balance will be shown on the home screen.

The starting credit limit for the American Eagle Credit Card is $500, but there's no way to be exactly sure about what your limit would be. Credit limits will be determined based on income, existing debts, credit history and overall creditworthiness.

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The Discover it^® Secured Credit Card is our pick for the easiest credit card to get because it is designed for people with low credit scores. It comes with a $0 annual fee, great cash back rewards and a sign-up bonus for new cardmembers.

Being denied for a credit card doesn't hurt your credit score. But the hard inquiry from submitting an application can cause your score to decrease. Submitting a credit card application and receiving notice that you're denied is a disappointment, especially if your credit score drops after applying.

Credit cards are often denied because the applicant's credit score is too low. Each credit card has a recommended credit score range — and if your credit score is not high enough to fall within that range, the lender might deny your credit card application.

You don't have much credit history.

Credit card companies aren't exactly eager to loan money to someone who hasn't proven their ability to pay off debt, so many cards with more favorable terms require at least some credit experience.

There are 2 versions of the American Eagle credit card

This card is usable only at American Eagle Outfitter locations, including Aerie, Offline by Aerie, and American Eagle and Aerie Factory stores. The Real Rewards by American Eagle & Aerie Visa Card. This card can be used anywhere Visa is accepted.

Does American Eagle credit card have an app? ›

Just download the free American Eagle FCU app by searching "AEFCU" in your Appstore and you will have the ability to check balances, pay bills, deposit checks and perform countless other tasks.

Call the Card Issuer

Usually, the automated menu is enough to get the basic information about your balance. The voice prompt may ask for personal identifiers like an account number i.e. credit card number, the last four digits of your Social Security number or telephone number.

The credit limit is the total amount you can borrow, whereas available credit is the amount that is remaining for you to use, including if you carry a balance. For example, if you have a credit card with a $1,000 credit limit, and you charge $600, you have an additional $400 to spend.

To keep your scores healthy, a rule of thumb is to use no more than 30% of your credit card's limit at all times. On a card with a $200 limit, for example, that would mean keeping your balance below $60. The less of your limit you use, the better.

You should spend $60 or less on a $200 credit card before paying the bill. If you have a $200 credit limit, keeping your balance below $60 will ensure a credit utilization ratio below 30%, which will help you build good credit when paired with on-time monthly payments.

Yes, the American Eagle Store Card will do a hard pull. You will need a credit score of at least 640 to get it, which is on par with what most store cards require. There is no way to pre-qualify for the American Eagle Store Card. A hard pull usually causes an applicant's credit score to drop by 5-10 points.

The easiest Amex cards to get are ones with a lower minimum spending requirement for rewards, as well as a low annual fee or no annual fee. Examples include the Blue Cash Everyday Card from American Express and the American Express Cash Magnet Card.

In most cases, you need at least good credit to get approved for an American Express card, which FICO typically defines as a score of 670 or higher. Other banks also issue American Express cards.

Highlights of the American Eagle Credit Card

Both cards are issued through Synchrony Bank. American Eagle cards don't have annual fees, and you can earn Real Rewards points on your purchases that can be redeemed toward future American Eagle or Aerie purchases.