Chosen by Money Magazine as 2025’s Best in In Store Rewards
Rated on four features
| Credit Cardmember | Level 1 | Level 2 | Level 3 | |
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 What you get |
Spend $32, get $5 reward 16% Back |
Spend $125, get $5 reward 4% Back |
Spend $84, get $5 reward 6% Back |
Spend $63, get $5 reward 8% Back |
How to earn*
1,250 pts = $5 reward |
40 pts per $1 spent | 10 pts per $1 spent | 15 pts per $1 spent | 20 pts per $1 spent |
 Free shipping* |
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Orders $75+ | Orders $50+ | Orders $25+ |
 $5 birthday reward |
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 Members-only sales & events |
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| Bonus perk when you level up | |
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| Instant credit option for returns* | |
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| Free returns* | |
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| 20% off 1x a year* | |
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| Exclusive cardmember sales & events |
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| Real Rewards Tiers | ||||
What you get
Free shipping*
$5 birthday reward
Members-only sales & events
Plus, if you qualify for the Real Rewards Visa® Credit Card, you get 2% back on purchases outside of AE & Aerie where Visa is accepted.
Cardmembers earn more points faster and access to special events and promotions throughout the year. Plus, once a year, we will send you a special 20% discount code to use on the day of your choice! Credit cardmembers are eligible for free standard shipping and returns to U.S., Puerto Rico, and Canada on purchases made at AE.com, Aerie.com, the AE + Aerie app, and via direct phone orders when using their Real Rewards credit card or Real Rewards Visa credit card. Purchases made at AE.com, Aerie.com, and the AE + Aerie mobile app made through a mobile wallet may not receive free standard shipping and returns. Cardmembers who use their Real Rewards Visa credit card for purchases made outside of AE + Aerie locations, anywhere Visa is accepted, will earn 5 points per $1 (USD) spent on net purchases (merchandise purchased minus discounts, returns, adjustments) per transaction (rounded to the next nearest whole dollar).
You can use the Real Rewards credit card at AE or Aerie, in stores or online. The Real Rewards Visa credit card can be used anywhere Visa cards are accepted. You may receive either card when you apply, based on your creditworthiness.
No. Neither the Real Rewards credit card nor the Real Rewards Visa credit card have an annual fee.***
Synchrony Bank will review your credit card application and consider you first for a Real Rewards Visa card and then, if not approved (based on credit worthiness), for a Real Rewards credit card.
You can pay your bill: (1) online at https://aeoutfitters.syf.com, (2) by mail to the address shown on the billing statement, or (3) or by calling 1 (866) 913-6765. There may be an additional fee to make an expedited payment by phone.
Disclosures
*Cardmember offers are subject to credit approval and a Real Rewards credit card must be used as the sole payment type. See Real Rewards Program Terms for details available at ae.com/realrewards/terms.
**Not available on all devices. For a list of compatible devices, visit apple.com/apple-pay, google.com/pay, or samsung.com/pay. Note: For some devices, Synchrony may need to verify your account after you’ve loaded it to your phone’s mobile wallet.
Apple, the Apple logo, and iPhone are trademarks of Apple Inc., registered in the U.S. and other countries. Apple Pay and Apple Watch are trademarks of Apple Inc.
The Contactless Indicator mark, consisting of four graduating arcs, is a trademark owned by and used with permission of EMVCo, LLC.
***No annual fee. New Accounts as of 1/1/2025: Variable Purchase APR 33.99%. Variable Penalty APR 39.99%. Min Interest Charge of $2. Real Rewards Visa Variable Cash APR 34.99% and 5% Fee ($10 min). Foreign Trans Fee 3%.
The Real Rewards Visa credit card is issued by Synchrony Bank pursuant to a license from Visa USA Inc.
