Purchase APR
33.49–33.74%
Annual fee
None
Foreign fee
3%
Top-25 issuer620–719720+Other
Carrying $3k for a year ≈ $1,008.60
← Back to explorer
39
AEO, Inc. Visa Card
Top-25 issuerNationalVariable · PrimeCredit score 620–719Credit score 720+
Purchase APR
33.49–33.99%
Annual fee
None
0% intro
None
0% transfer
None
Foreign fee
None
Grace period
23 days
Purchase APR by credit tier
Median rate the issuer reported for each tier
The purchase rate was not broken out by credit tier — the issuer reported a single range.
Lowest offered33.49%
Median33.74%
Highest offered33.99%
Cash advance APR
The cash advance rate was not broken out by credit tier — the issuer reported a single range.
Lowest offered34.49%
Median34.74%
Highest offered34.99%
Every fee on this card
Annual feeNone
Balance transfer feeNone
Cash advance fee5% (min $10)
Foreign transaction fee3%
Purchase transaction feeNone
Late fee$30
Repeat late fee (6 mo)$41
Over-limit feeNone
Minimum finance charge$2
Balance computationAverage daily balance including new purchases
Additional fees
Debt cancellation$1.66
Returned Payment Fee$30
Paper Statement Fee$1.99
Rewards, benefits and features
Rewards
- Other rewards
Services
- Debt cancellation coverage
- Discounts on purchases of goods and services (non travel related)
- Other
Features
- Contactless Payments
- Chip card
- Fee-free foreign transactions
- Mobile wallet provisioning (for example, Apple Pay)
Issuer note: Points
Who can get this card
AvailabilityNational
Membership requirementsOpen to the public
Phone1-800-340-0532
Balance transfer
This card does not offer a balance transfer rate.
Cost to carry a balance
Interest for a year at 33.74%$1,012.20
Annual / periodic fees$0
Total yearly cost$1,012.20
Simple interest on a constant balance — a plain-language upper bound rather than an amortisation schedule. Paying in full each month within the 23-day grace period avoids the interest entirely.
Cardholder agreements
212 documents filed by Synchrony Financial in the 2026 Q1 archive.
- ABT Credit Card Account Agreement and Pricing Addendum53 KB
- Adairs Credit Card Account Agreement and Pricing Addendum53 KB
- Adorama Credit Card Account Agreement and Pricing Addendum53 KB
- Amazon_Secured_Card_and_Prime_Secured_Card_Account_Agreement_and_Pricing_Addendum_FINAL70 KB
- Amazon.com_Store_Card_Account_Agreement_and_Pricing_Addendum_FINAL58 KB
- America's Tire Credit Card Agreement and Pricing Addendum53 KB
More from this issuer
Purchase APR
20.49–28.49%
Annual fee
$99
Foreign fee
None
Top-25 issuer620–719720+Travel-related
Carrying $3k for a year ≈ $833.70 incl. $99 fee
Purchase APR
29.64%
Annual fee
None
Foreign fee
3%
0% purchases · 6 mo
Top-25 issuer620–719720+Cashback
Carrying $3k for a year ≈ $889.20
Purchase APR
20.39–28.64%
Annual fee
$89
Foreign fee
None
Top-25 issuer620–719720+Travel-related
Carrying $3k for a year ≈ $824.60 incl. $89 fee