Credit Cards » Compare Credit Cards » American Eagle vs Victoria Secret Credit Card: Side By Side Comparison
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American Eagle vs Victoria Secret Credit Card: Side By Side Comparison

The AE wins if you use your credit card only on American Eagle or Victoria's Secret. But what if you plan to use it outside these brands?
Author: Baruch Mann (Silvermann)
Baruch Mann (Silvermann)

Writer, Contributor

Experience

Baruch Silvermann is a financial expert, experienced analyst, and founder of The Smart Investor.  Silvermann has contributed to Yahoo Finance and cited as an authoritative source in financial outlets like Forbes, Business Insider, CNBC Select, CNET, Bankrate, Fox Business, The Street, and more.
Interest Rates Last Update: June 3, 2024
The banking product interest rates, including savings, CDs, and money market, are accurate as of this date.
Author: Baruch Mann (Silvermann)
Baruch Mann (Silvermann)

Writer, Contributor

Experience

Baruch Silvermann is a financial expert, experienced analyst, and founder of The Smart Investor.  Silvermann has contributed to Yahoo Finance and cited as an authoritative source in financial outlets like Forbes, Business Insider, CNBC Select, CNET, Bankrate, Fox Business, The Street, and more.
Interest Rates Last Update: June 3, 2024

The banking product interest rates, including savings, CDs, and money market, are accurate as of this date.

We earn a commission from our partner links on this page. It doesn't affect the integrity of our unbiased, independent editorial staff. Transparency is a core value for us, read our advertiser disclosure and how we make money.

The American Eagle and Victoria's Secret credit cards cater to the fashion-conscious consumer, offering unique perks and rewards within the realm of their respective brands. Let's compare them side by side:

General Comparison

Signing up for the American Eagle credit card unlocks various benefits for avid shoppers of their popular brands. Cardholders enjoy automatic upgrades to Level 2 Real Rewards membership, earning more points per dollar spent and receive special perks, including access to members-only sales, events, and a generous 20% birthday coupon.

Cashback rates are generious – cardholders earn double points, with Level 2 members accumulating 30 points and Level 3 members earning 40 points per dollar spent. However, While the rewards program offers points, their low value and restrictions on redemption may impact the overall appeal of the American Eagle credit card.

On the other hand, Victoria's Secret, a renowned lingerie and beauty brand, offers the Victoria's Secret Card. This credit card provides users with a range of exclusive benefits, including rewards points for every dollar spent, free shipping, and special gifts during cardholder birthdays.

The Card operates on a tiered system, with cardholders progressing through different levels based on their spending. Higher tiers unlock enhanced benefits, creating an incentive for increased card usage.

American Eagle Credit Card review

Victoria's Secret Credit Card

American Eagle Credit Card
Victoria's Secret Credit Card
Annual Fee
$0
$0
Rewards
15 points Instant for cardmembers. 30 points per dollar spent at American Eagle, 20 points if you spend more than $350 annually
5% (10 points) back in rewards at Victoria Secret or PINK, 2% (4 points) on dining, travel and streaming services and 1% (2 points) on all other purchases
Welcome bonus
30% off your first order
$25 off in first purchase
Foreign Transaction Fee
3%
N/A
Purchase APR
28.24%
29.49%
Read Review
Read Review
Top Offers

Amex gold

Rewards Plan:
1X – 4X 4X points at restaurants (including Uber Eats purchases in the U.S.) and U.S. supermarkets (up to $25,000 per year in purchases, then 1X points), 3X points on flights booked directly with airlines or on amextravel.com, 2X points on rental cars through amextravel.com and 1X points on all other purchases
Welcome Bonus:
60,000 points 60,000 Membership Rewards® Points after you spend $6,000 on eligible purchases with your new Card within the first 6 months of Card Membership

upgrade cash rewards

Rewards Plan:
1.5% 1.5% cash back on payments
Welcome Bonus:
$200 Earn a $200 bonus after you open & fund a Rewards Checking Plus account & make 3 debit card transactions within 60 days. If you previously opened a checking account through Upgrade or do not do so as part of this process, you are not eligible. Payout made within 60 days of meeting the conditions.

AMEX Blue Cash Preferred Card review

Rewards Plan:
1-6% 6% cash back at U.S. supermarkets (up to $6,000 per year in purchases, then 1%) and selected U.S. streaming subscriptions, 3% cash back on transit and U.S. gas stations, 1% cash back on other purchases
Welcome Bonus:
$250 $250 statement credit after you spend $3,000 in purchases on your new Card within the first 6 months
Advertiser Disclosure
The product offers that appear on this site are from companies from which this website receives compensation.
Top Offers From Our Partners

Amex gold

Rewards Plan:
1X – 4X 4X points at restaurants (including Uber Eats purchases in the U.S.) and U.S. supermarkets (up to $25,000 per year in purchases, then 1X points), 3X points on flights booked directly with airlines or on amextravel.com, 2X points on rental cars through amextravel.com and 1X points on all other purchases
Welcome Bonus:
60,000 points 60,000 Membership Rewards® Points after you spend $6,000 on eligible purchases with your new Card within the first 6 months of Card Membership

upgrade cash rewards

Rewards Plan:
1.5% 1.5% cash back on payments
Welcome Bonus:
$200 Earn a $200 bonus after you open & fund a Rewards Checking Plus account & make 3 debit card transactions within 60 days. If you previously opened a checking account through Upgrade or do not do so as part of this process, you are not eligible. Payout made within 60 days of meeting the conditions.

AMEX Blue Cash Preferred Card review

Rewards Plan:
1-6% 6% cash back at U.S. supermarkets (up to $6,000 per year in purchases, then 1%) and selected U.S. streaming subscriptions, 3% cash back on transit and U.S. gas stations, 1% cash back on other purchases
Welcome Bonus:
$250 $250 statement credit after you spend $3,000 in purchases on your new Card within the first 6 months
Advertiser Disclosure
The product offers that appear on this site are from companies from which this website receives compensation.
Top Offers

Amex gold

Rewards Plan:
1X – 4X 4X points at restaurants (including Uber Eats purchases in the U.S.) and U.S. supermarkets (up to $25,000 per year in purchases, then 1X points), 3X points on flights booked directly with airlines or on amextravel.com, 2X points on rental cars through amextravel.com and 1X points on all other purchases
Welcome Bonus:
60,000 points 60,000 Membership Rewards® Points after you spend $6,000 on eligible purchases with your new Card within the first 6 months of Card Membership

upgrade cash rewards

Rewards Plan:
1.5% 1.5% cash back on payments
Welcome Bonus:
$200 Earn a $200 bonus after you open & fund a Rewards Checking Plus account & make 3 debit card transactions within 60 days. If you previously opened a checking account through Upgrade or do not do so as part of this process, you are not eligible. Payout made within 60 days of meeting the conditions.

AMEX Blue Cash Preferred Card review

Rewards Plan:
1-6% 6% cash back at U.S. supermarkets (up to $6,000 per year in purchases, then 1%) and selected U.S. streaming subscriptions, 3% cash back on transit and U.S. gas stations, 1% cash back on other purchases
Welcome Bonus:
$250 $250 statement credit after you spend $3,000 in purchases on your new Card within the first 6 months
Advertiser Disclosure
The product offers that appear on this site are from companies from which this website receives compensation.

American Eagle vs. Victoria's Secret Cashback Analysis

Unlike the American Eagle card, the Victoria's Secret card lets you earn points on purchases beyond just their brand stores. However, after analyzing cashback, the American Eagle card comes out on top, offering a higher estimated annual value due to its generous cashback rate specifically at American Eagle stores.

However, keep in mind that the American Eagle card has more restrictions on how you can redeem your rewards, so it's essential to understand them before making a decision.

In summary, your choice should align with your spending habits. If you primarily shop within the brand stores, the American Eagle card is better for cashback. But if you use the card outside of American Eagle or Victoria's Secret, you might find the Victoria's Secret credit card more suitable.

American Eagle Credit Card review

Victoria's Secret Credit Card

Spend Per Category
American Eagle Credit Card
Victoria's Secret Credit Card
$15,000 – U.S Supermarkets
/
30,000 points
$5,000 – American Eagle/Victoria's Secret
200,000 points
50,000 points
$5,000 – Restaurants
/
20,000 points
$4,000 – Travel
/
16,000 points
$4,000 – Gas
/
8,000 points
Total Points / Cashback
200,000 points
124,000 points
Estimated Redemption Value
1 point ~ 0.4 cent
1 point ~ 0.5 cent
Estimated Annual Value
$800
$620

Additional Shopping Benefits: Comparison

Both cards offer additional shopping benefits, such as free shipping and access to sales.  We assume spend of at least $1,000 manually, so you'll have the highest tier of benefits on both cards. Here's a comparison of what you'll get on each:

American Eagle Credit Card

American Eagle Credit Card review

  • 30% Welcome Discount: Receive a significant 30% off when you open and use the American Eagle credit card, although it cannot be combined with other discounts.

  • “Pick Your Own Sale” Day: Enjoy the flexibility of choosing a day to take advantage of exclusive sales and discounts.

  • Exclusive Access to Sales: Gain priority access to special sales events, ensuring you're among the first to explore and shop.

  • Birthday Coupon: Celebrate your special day with a birthday coupon, adding an extra perk to your annual festivities.

  • Free Shipping and Returns: Use the American Eagle card for purchases to enjoy the convenience of free shipping and returns, enhancing your online shopping experience.

  • Customizable Card Designs: Personalize your credit card experience by selecting from one of three unique card designs that suit your style and preferences.

Victoria's Secret Credit Card

Victoria's Secret Credit Card

  • Anniversary Gift: Receive a special offer to celebrate their card anniversary.

  • Free Shipping: Enjoy complimentary shipping on orders of $25 or more, enhancing the convenience of online shopping.

  • Pick Your Perk: Cardholders have the flexibility to choose and use their favorite benefit, providing a personalized and tailored experience.

  • Birthday Gift: Receive a $15 in-store credit for your birthday, with a minimum purchase requirement adding an extra treat to your celebration.

  • Perk of the Month: By registering your email, cardmembers receive a special offer in their inbox every month, including exclusive deals and early access to sales.

  • Higher Rewards Structure: Benefit from an elevated rewards structure, earning 45 points per dollar on bra purchases and 15 points per dollar spent at Victoria's Secret stores, maximizing rewards for loyal customers.

Top Offers

Amex gold

Rewards Plan:
1X – 4X 4X points at restaurants (including Uber Eats purchases in the U.S.) and U.S. supermarkets (up to $25,000 per year in purchases, then 1X points), 3X points on flights booked directly with airlines or on amextravel.com, 2X points on rental cars through amextravel.com and 1X points on all other purchases
Welcome Bonus:
60,000 points 60,000 Membership Rewards® Points after you spend $6,000 on eligible purchases with your new Card within the first 6 months of Card Membership

upgrade cash rewards

Rewards Plan:
1.5% 1.5% cash back on payments
Welcome Bonus:
$200 Earn a $200 bonus after you open & fund a Rewards Checking Plus account & make 3 debit card transactions within 60 days. If you previously opened a checking account through Upgrade or do not do so as part of this process, you are not eligible. Payout made within 60 days of meeting the conditions.

AMEX Blue Cash Preferred Card review

Rewards Plan:
1-6% 6% cash back at U.S. supermarkets (up to $6,000 per year in purchases, then 1%) and selected U.S. streaming subscriptions, 3% cash back on transit and U.S. gas stations, 1% cash back on other purchases
Welcome Bonus:
$250 $250 statement credit after you spend $3,000 in purchases on your new Card within the first 6 months
Advertiser Disclosure
The product offers that appear on this site are from companies from which this website receives compensation.
Top Offers

Amex gold

Rewards Plan:
1X – 4X 4X points at restaurants (including Uber Eats purchases in the U.S.) and U.S. supermarkets (up to $25,000 per year in purchases, then 1X points), 3X points on flights booked directly with airlines or on amextravel.com, 2X points on rental cars through amextravel.com and 1X points on all other purchases
Welcome Bonus:
60,000 points 60,000 Membership Rewards® Points after you spend $6,000 on eligible purchases with your new Card within the first 6 months of Card Membership

upgrade cash rewards

Rewards Plan:
1.5% 1.5% cash back on payments
Welcome Bonus:
$200 Earn a $200 bonus after you open & fund a Rewards Checking Plus account & make 3 debit card transactions within 60 days. If you previously opened a checking account through Upgrade or do not do so as part of this process, you are not eligible. Payout made within 60 days of meeting the conditions.

AMEX Blue Cash Preferred Card review

Rewards Plan:
1-6% 6% cash back at U.S. supermarkets (up to $6,000 per year in purchases, then 1%) and selected U.S. streaming subscriptions, 3% cash back on transit and U.S. gas stations, 1% cash back on other purchases
Welcome Bonus:
$250 $250 statement credit after you spend $3,000 in purchases on your new Card within the first 6 months
Advertiser Disclosure
The product offers that appear on this site are from companies from which this website receives compensation.
Top Offers From Our Partners

Amex gold

Rewards Plan:
1X – 4X 4X points at restaurants (including Uber Eats purchases in the U.S.) and U.S. supermarkets (up to $25,000 per year in purchases, then 1X points), 3X points on flights booked directly with airlines or on amextravel.com, 2X points on rental cars through amextravel.com and 1X points on all other purchases
Welcome Bonus:
60,000 points 60,000 Membership Rewards® Points after you spend $6,000 on eligible purchases with your new Card within the first 6 months of Card Membership

upgrade cash rewards

Rewards Plan:
1.5% 1.5% cash back on payments
Welcome Bonus:
$200 Earn a $200 bonus after you open & fund a Rewards Checking Plus account & make 3 debit card transactions within 60 days. If you previously opened a checking account through Upgrade or do not do so as part of this process, you are not eligible. Payout made within 60 days of meeting the conditions.

AMEX Blue Cash Preferred Card review

Rewards Plan:
1-6% 6% cash back at U.S. supermarkets (up to $6,000 per year in purchases, then 1%) and selected U.S. streaming subscriptions, 3% cash back on transit and U.S. gas stations, 1% cash back on other purchases
Welcome Bonus:
$250 $250 statement credit after you spend $3,000 in purchases on your new Card within the first 6 months
Advertiser Disclosure
The product offers that appear on this site are from companies from which this website receives compensation.

Compare The Alternatives

If you're looking for a store credit card with great rewards for online shopping – there are some good alternatives you may want to consider:

Citi-costco-anywhere-visa-credit-card review

Apple card

Sam's Club® Mastercard®

Costco Anywhere Visa® Card by Citi
Apple Credit Card
Sam's Club® Mastercard®
Annual Fee
$0 ($60 Costco membership fee required)
$0
$0 ($50/$110 for Club/Plus membership – MUST)
Rewards
1-4% 4% cash back on on eligible gas and EV charging purchases for the first $7,000 per year and then 1% thereafter, 3% cash back on restaurants and most travel purchases, 2% cash back at Costco and Costco.com, 1% cash back on all other purchases
1% – 3% 3% cash back at Apple and select Apple pay partners. 3% Daily Cash back at Ace Hardware, Duane Reade, Exxon, Mobil, Nike, Panera Bread, T-Mobile, Uber, Uber Eats, and Walgreens. 2% on other Apple pay purchases, and 1% on all other purchases
1-5% 5% cash back on gas anywhere Mastercard is accepted (on the first $6,000 per year, then 1% after), 3% cash back on Sam’s Club purchases for Plus members, 3% on dining and takeout and 1% on all other purchases
Welcome bonus
None None
N/A
None $30 statement credit after making $30 in Sam’s Club purchases within the first 30 days
Foreign Transaction Fee
$0
$0
N/A
Purchase APR
20.49% (Variable)
15.99% – 26.99% Variable
20.40% or 28.40% Variable

Compare Victoria Secret Credit Card

Victoria's Secret credit card is our winner as it offers points rewards on all categories and higher estimated cash back than Lane Bryant.

Lane Bryant vs Victoria Secret Credit Card: How They Compare?

Compare American Eagle Credit Card

The American Eagle credit card offers a higher cash-back rewards ratio than Banana Republic but doesn't offer rewards on other categories.

American Eagle vs Banana Republic Credit Card: Side By Side Comparison

Picture of Baruch Mann (Silvermann)

Baruch Mann (Silvermann)

Baruch Silvermann is a financial expert, experienced analyst, and founder of The Smart Investor.  Silvermann has contributed to Yahoo Finance and cited as an authoritative source in financial outlets like Forbes, Business Insider, CNBC Select, CNET, Bankrate, Fox Business, The Street, and more.
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Editorial Note: Opinions expressed here are author’s alone, not those of any bank, credit card issuer, hotel, airline, or other entity. This content has not been reviewed, approved or otherwise endorsed by any of the entities included within the post.

Credit Card Reviews Methodology

In order to determine the best possible credit cards, we look at things like fees, interest rates and rewards. We do this with companies that are associated with us as partners as well as other offerings. From there, we make a decision about what the best card is related to different categories and needs. We focus on interest rate cost & fees, especially the cost of carrying a balance, rewards – cards accumulate rewards in different currencies—points, miles, cash back—and their values vary widely usability – cards that accept a wide range of credit profiles and offer simple solutions for things like checking your credit score or contacting. We also consider customer reviews.

We look at cards related to good or excellent credit ratings that will then provide a range of different benefits and improvements for someone who has these scores. We also look at low fees when it comes to those who have lower credit scores.