For those who shop frequently at American Eagle Outfitters this is a great card, as you can quickly build up points for great savings. The AEO card has better benefits and more rewards than other merchant-issued cards. For AEO shoppers, the eventual savings should more than cover the interest paid. The Extra Savings Points never expire. The yearly birthday coupon can be used whenever you wish, even months later. Even a person who doesn’t frequently shop at American Eagle might want the card just for a major clothing purchase – such as holiday shopping or purchasing new school clothes for a child. The 15% initial discount alone could save $45 on a $300 purchase.