What credit score do you need for an American Eagle card

American Eagle Credit cards are among the most beneficial credit cards for Americans. There are many questions regarding the card that are going on in many Americans’ heads. One of the most asked questions is what credit score do you need to get approved for the American Eagle credit card? 

Not only will we be answering this query, but we will also give you a few details about the card as well, which would be helpful when you are applying for the card. 

What credit score do you need for an American Eagle card?

There are two types of American Eagle Credit cards. One is an American Eagle Visa card and the other is an American Eagle store card. For an American Eagle Visa credit card, you need at least a 700 or above credit score along with fulfilling the application criteria, which we will discuss later in this short guide. For an American Eagle store card, a credit score of 640 or above is needed, which is the least credit score that you must have to apply for any good benefiting card. 

Now that your main query is answered, you might be wondering what are the other requirements to apply for the card. Well, don’ worry, scroll below. 

American Eagle credit card eligibility criteria

To be eligible for both American Visa credit card and American store credit card, you need to fulfill all the requirements given below. 

American Eagle Visa Credit card	American Eagle store credit card
An applicant must be of 18 years of age at the time of application or above.	An applicant must be of 18 years of age at the time of application or above.
Must possess a valid social security number or have an ITN number during application.	Must possess a valid social security number or have an ITN number during application.
A document or proof of income that the applicant will be able to pay the minimum monthly payments	A document or proof of income that the applicant will be able to pay the minimum monthly payments
The applicant must reside in the US and should have a valid physical address. P.OBox number is not accounted for.	The applicant must reside in the US and should have a valid physical address. P.OBox number is not accounted for.
The credit score of 700 or above	The credit score of 640 or above

Now that you are aware of the eligibility criteria as well, let’s see what are the benefits of American Eagle credit cards?

Benefits of having American Eagle credit cards

1. On your very first purchase from any of the American Eagle Credit cards whether in-store or at ae.com or aerie.com, you get 20% off
2. After the first purchase, whenever you make a purchase, you will get 15 points for each dollar spent, bet it in-store, at ae.com or aerie.com. 
3. You get $5 cashback on every 1250 points
4. You get free shipping and returns along with a 20% off coupon on your birthdays
5. If you purchase qualifying jeans, you get 30 points on each dollar spent
6. When you spend over $350 over a year, you get upgraded to level 3 and instead of 15 points per dollar, you get 20 points per dollar from then on. 

Apart from this, before we conclude this guide, let us give you a quick list of things to remember before you apply for an American Eagle credit card. 

Things to know before applying for an American Eagle credit card

There is no annual fee but foreign transactions will cost you

In America, retailer-affiliated plastic cannot charge an annual fee, therefore, you will not have to pay an annual fee for an American Eagle credit card. However, if you do the foreign transactions with it, you will have to pay 3% to the card company. Those who have good credit scores and are looking to save money on foreign transactions must opt for an alternative and buy fullz cc.

The interest rate is average

American Eagle credit cards charge interest annually. It is above 24.42%, which is just above the store-card average. However, it is double to 13.13% that other credit cards provide to people with an excellent credit score. Therefore, you must not carry a monthly balance with any of the American Eagle Credit cards. 

You need to have an above 700 credit score for a visa card

Visa card is one of the top-tier credit cards by American Eagle. If you wish to get your hands on this, you would need to have a credit score above 700. If you have a lesser credit score than 700, you will be eligible for a store card. Nonetheless, both the cards are only useful at stores, ae.com or aerie.com only. 

These were the top three things that you should know before you fill out the application form for the American Eagle Credit card. If you think you want it, then go ahead, or you can simply surf for other better options.