Real Rewards Credit Card

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Make payments and manage your account.

Earn 16% back in rewards on every AE & Aerie purchase when you open and use a Real Rewards credit card!*

30% off your first purchase*

Free shipping & returns, always*

No annual fee**

20% off coupon 1x per year*

Earn 16% back in rewards on every AE & Aerie purchase when you open and use a Real Rewards credit card!*

– plus –

30% off your first purchase*

Free shipping & returns, always*

No annual fee**

20% off coupon 1x per year*

Get a decision in seconds with no impact to your credit score.

Check If You Prequalify

Get a decision in seconds with no impact to your credit score.

Check If You Prequalify

Fast track to the best perks. Apply today!

	Credit Cardmember	Level 1	Level 2	Level 3
How to qualify	Apply & use Real Rewards credit card	Free!	Spend $200/yr	Spend $500/yr
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 points per $1 spent	10 points per $1 spent	15 points per $1 spent	20 points per $1 spent
Free shipping*		Orders $75+	Orders $50+	Orders $25+
$5 birthday reward
Members-only sales & events
Bonus perk when you level up
Instant credit option for returns*
Free returns*
30% off first purchase*
20% off 1x a year*
Exclusive cardmember sales & events
Earn 5 pts/$ (or 2%) where Visa credit cards are accepted*

*See details below.

Perks so good, they’re award-winning.

FAQs

What is the difference between the Real Rewards Credit Card and Real Rewards Visa Signature Credit Card?

Can I choose which card I want?

Can I get a credit card and also join the Real Rewards loyalty program?

How do I pay my Real Rewards credit card bill?

View All FAQs

Ready to earn 16% back in rewards?*

Real Rewards by American Eagle & Aerie

Unlock exclusive perks with Real Rewards, the American Eagle and Aerie loyalty program. Join today and get rewarded, just for shopping your favorite AE and Aerie styles.

Sign up (it’s free!) and access 4-8% back in rewards on every purchase, members-only sales and events, a birthday treat, and free shipping & returns, faster. Fast track to the best perks when you apply for a Real Rewards credit card, including 16% back in rewards on every AE and Aerie purchase.

It’s easy to earn and redeem rewards with Real Rewards by American Eagle and Aerie. Just sign up today and start shopping!

*Cardmember offers are subject to credit approval and a Real Rewards credit card must be used as the sole payment type. Exclusions include charitable donations and gift card purchases. See Real Rewards Terms & Conditions for details.

30% Off: Take 30% off your first AE or Aerie purchase when you open and use your Real Rewards credit card. No coupon required in store. Discount code for online will be provided upon credit approval. Discount applied prior to sales tax and shipping & handling. Cannot be combined with any other coupon or discount code. Not valid for 3rd party merchandise, previously purchased merchandise or gift cards. Valid in US (including PR) stores only. No cash value.

**No Annual Fee: New Accounts as of 1/1/2026: Variable Purchase APR 33.24%. Variable Penalty APR 39.99%. Min Interest Charge of $2. Real Rewards Visa Signature Variable Cash APR 34.24% and 5% Fee ($10 min). Foreign Trans Fee 3%.