THE CARDTUNED DATABASE
Real Rewards Credit Card
Issuer: Synchrony · Network: Varies
30% off first eligible AE/Aerie purchase | 16% back in rewards at AE/Aerie | Free standard shipping and returns | 20% annual coupon
- Annual fee
- $0
- Foreign transaction fee
- Varies by card version; private-label card or Visa Signature
- Intro APR
- No public introductory APR listed; verify the live application.
- Regular APR
- 33.24% variable purchase APR for new accounts as of 2026-01-01
Full card review date:
This date covers the full card review. Individual terms may have been checked separately afterward; see dates noted in the terms and offer below.
Current offer
30% off the first eligible American Eagle or Aerie purchase
- Spending requirement
- First eligible AE or Aerie purchase
- Time window
- First purchase
Offer last checked: 2026-09-09
Earning rates
Scroll the table horizontally on smaller screens.
| Category | Rate | Eligible purchases and conditions |
|---|---|---|
| Eligible purchases | 30% | off first eligible AE/Aerie purchase |
| Eligible purchases | 16% | back in rewards at AE/Aerie |
| Eligible purchases | 20% | annual coupon |
Additional benefits
• Free standard shipping and returns
Restrictions to know
Approval may be for the private-label card or Visa Signature. The 30% first-purchase discount excludes third-party merchandise, prior purchases and gift cards and cannot be combined with another coupon. Visa earns 5 points per $1 outside AE/Aerie; the annual 20% coupon is separate.
Who can apply
Subject to Synchrony credit approval and identity verification; U.S. application and product-specific requirements apply.
Credit profile: Issuer underwriting applies; no universal public score cutoff