How To Make an American Eagle Credit Card Payment

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American Eagle Outfitters, founded in 1977, operates stores in the United States, Canada, Mexico and Hong Kong. Shoppers who like the trendy clothing and accessories AEO offers can score some great deals by signing up for an AEO Real Rewards credit card issued by Synchrony Bank. The card offers perks like a 30% discount on your first purchase, 2x rewards points on all purchases, free shipping and member-only exclusives.

Once you’ve used your card, you’ll need to make a payment to keep your account in good standing. Synchrony offers you three payment options: online, by mail and over the phone. Here’s everything you need to know.

Advice from CardCritics: Why It’s Time To Ditch Your Store Credit Card

How To Make a Payment Online

Making an online payment is simple. Here’s how.

Pay Online

  1. Go to the American Eagle account login page.
  2. First-time users without an American Eagle login will need to register first. You’ll need your account number and zip code to get started, then additional information to verify your identity.
  3. Once you’ve registered, log in to your account with the username and password.
  4. Have your bank account number and your bank’s routing number ready.
  5. Click “Pay Online” and follow the prompts to complete the payment.
Get Credit Card Perks

If you don’t want to register for an online account, you can use the “Pay as Guest” feature.

  1. Click “Pay as Guest” on the account login page.
  2. Enter your card number, the last four digits of your Social Security number and your billing ZIP code.
  3. Follow the prompts to complete the payment.

How To Make a Payment by Mail

You also have the option of mailing in your payment. Where you’ll mail it depends on whether you have the Real Rewards store card or Visa card. Here’s how:

  1. Write a check or purchase a money order for at least the minimum amount due.
  2. Include the payment coupon from your statement or write your account number on the check or money order so your account can be properly credited. Your payment can be delayed up to five days if you don’t include this information.
  3. Mail your payment to the address for your card type:
Get Credit Card Perks

AE or Aerie Real Rewards Store Card
P.O. Box 530942
Atlanta, GA 30353-0942

AE or Aerie Real Rewards Visa
P.O. Box 960013
Orlando, FL 32896-0013

How To Make a Payment by Phone

You can pay your American Eagle card over the phone for free using the automated system. Here’s how:

  1. Call the number designated for your credit card.
    • AEO Real Rewards credit card: 800-843-0875
    • AEO Real Rewards Visa credit card: 866-913-6765
  2. Press “2” to use the automated service.
  3. Provide your account number.
  4. Select or say “Make a payment” when prompted by the system.
  5. Follow the prompts to complete the payment.

Although there is no charge to make a payment through the automated system, there is a fee to pay your bill by phone through a customer service agent.

Late Fees for American Eagle Credit Cards

It’s important to pay your American Eagle credit card bill on time each month. Payments are due before 5 p.m. EST on the due date listed on your statement. If you miss this cutoff, you can still pay your payment with one of the available payment methods. However, you’ll pay a late fee of $30. The fee increases to $41 for two or more late payments in a six-month period.

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Information is accurate as of Sept. 26, 2022.

Editorial Note: This content is not provided by any entity covered in this article. Any opinions, analyses, reviews, ratings or recommendations expressed in this article are those of the author alone and have not been reviewed, approved or otherwise endorsed by any entity named in this article.

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