AEO™ Credit Card

  • 20% off your first AEO Connected credit card purchase*
  • Free standard shipping
  • Earn 1 Point per $15 spent*
  • 2500 points = $10 reward*
  • 20% off birthday coupon*
  • Buy 5 jeans get 1 free
  • Buy 5 bras get 1 free
  • Personal shopping day coupon
  • 6 cardholder events each year
  • Mobile phone and online account management
  • $0 fraud liability
Credit Target Type Annual Fee BT Intro APR Purchase Intro APR Regular APR Rewards
Limited Credit, Poor Credit Personal $0* N/A* N/A* 28.24%* Store Specific


Quick Summary:
This is a Store rewards card, issued by Synchrony Bank. Store reward cards normally offer rebates on specific brand merchandise or purchases. This card is intended for consumers, or "personal use" with a limited or short credit history. Rates may vary among applicants, however the lowest standard APR is 28.24%* (Variable)*.

Important Rates:
There is not an introductory APR for this card, so the lowest or standard rate may apply immediately or after the grace period for eligible purchases. There is no annual fee for this card.*

Rewards:
This card is a store or brand specific rewards card, where you can expect rewards, gift certificates, or even rebates for your purchases, according to the offer details.

Credit Record Needed:
Based on the FICO score recommendation, applicants should have a recently clean credit record, with no recent negative marks on their report. However the card issuer may expect limited discrepancies. A FICO credit score of 602 is recommended for a higher chance of approval, but this is not required. There are a number of other factors that this issuer may also consider when making decisions for approval. While your FICO score is usually a very important factor, you may want to consider other areas that may affect a decision for approval. For example, your debt to income ratio, recent credit inquiries, 30+ day delinquencies, or current credit accounts nearing the maximum amount may affect a credit decision.

FICO scores/credit scores are used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, a credit score alone does not guarantee or imply approval for any Synchrony Bank product.

Other Basics:
The grace period listed for the AEO™ Credit Card is at least 23 days*. So interest charges will not be applied for new purchases during this time if balance is paid in full by the due date.

This is a store or catalog card, not a traditional credit card. Acceptance of this card is normally bound to the merchandiser.

Approval Rate:
There were 12 people that reported their status to us after they applied. They provided us with helpful qualification information, including their credit scores, the rates offered to them, household income and more. 92% of those applicants were approved.

The approval rate for this card is moderately high. Furthermore, if your FICO score is close to or higher than 602, then your chance of approval may be even greater.

Approval Time:
Approval time for this offer is not listed. You should expect a final credit decision within a couple of weeks, but normally much sooner.

Community Opinion:
Based on community reviews, we found that 100% of 7 users recommend this card.

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