Icelandair Baggage Fees, Policy & Loopholes [2020]

March 16, 2020 by flyergeek Leave a Comment

You might know that the aptly-named Icelandair can get you to and from the lush Nordic island of Iceland (and several other European countries), but do you know everything there is to know about this alternative airline’s baggage policies and allowances for the year 2020? If not, and for more information about ways to save, keep reading.

Carry-On Rules for Icelandair

When it comes to baggage fees for Icelandair flights, what you’ll pay and what you’re allowed to bring is entirely dependent on your flight class. There are five flight classes for this airline:

Economy Light
Economy Standard
Economy Flex
Saga Premium
Saga Premium Flex

Every flyer is allowed one free carry-on and one free personal item aboard their flight, and Saga Premium Flex passengers are allowed two free carry-ons and one personal item.

Carry-ons are restricted to a maximum dimension of 21.6” x 15.7” x 7.8” and maximum weight of 22 pounds and these must fit in the overhead compartment of your plane. Personal items are restricted to a maximum dimension of 15.7” x 11.8” x 5.9” and these must fit under the seat in front of you. These size and weight restrictions for carry-ons and personal items apply to all passengers.

Checked Baggage Rules for Icelandair

Size and weight restrictions for checked baggage, on the other hand, are not the same for all fare types on Icelandair flights. If you’re in a premium Saga class, you are permitted to check heavier bags for no additional fee. With that said, the standard weight allowance for checked bags is 50 pounds and the standard dimension 62 linear inches.

See the chart below for bag allowances by class.

	Number of Checked Bags	Weight
Economy Light	0	–
Economy Standard	1	50 lbs
Economy Flex	1	50 lbs
Saga Premium	2	70 lbs
Saga Premium Flex	2	70 lbs

But flying Economy Light doesn’t mean flying with no checked baggage. These allowances are simply what’s included in your fare. Any passenger can purchase additional bags or heavier bags than their fare permits. The maximum per person is 10 checked bags.

Certain baggage is allowed free of charge to qualifying passengers, either onboard or as cargo. This includes:

Folding strollers
Approved child car seats
Wheelchairs (read about maximum dimensions here)

Excess Baggage Fees For Icelandair

Icelandair enforces excess baggage rules depending on flight route. Flights from Iceland to Europe, from Iceland to the U.S. or Canada, and from Europe to the U.S. or Canada all incur distinct oversize, overweight, and additional bag fees. See these below.

	1 Additional Bag (50 lbs)	1 Additional Bag (50 – 70 lbs)
Iceland to Europe	$59	$50
Iceland to U.S. or Canada	$69	$58
Europe to U.S. or Canada	$95	$80

Icelandair’s website does not specify what you’ll pay for items that are oversize in dimension but not weight (A.K.A. too large but not too heavy). Though if your items fall into one of the following oversize baggage categories, here’s exactly what you’ll be charged per item for a one-way flight:

	Skis, Angling, Golf Equipment, Skateboard, Weapons, Diving, Hockey	Bikes, Kites, Surfboards	Kayaks, Vaulting Poles, Windsurfing, Surf Boards	Oversize Musical Instruments
Iceland to Europe	$42	$83	$126	$42
Iceland to U.S. or Canada	$49	$99	$148	$49
Europe to U.S. or Canada	$58	$116	$174	$58

Keep in mind that heavy bags can only be paid for at the airport and that excess baggage fees are non-refundable.

Money saving tip: If you pre-purchase extra baggage through Manage Booking or an Icelandair service center before checking in for a flight exclusively through Icelandair, your baggage charges will be discounted 20% (a maximum of three additional bags can be discounted in this way).

How to Get Reimbursed For Baggage Fees

Travel credit cards are the way to go when it comes to getting the money you pay in incidental flight fees back. For more cash in your pockets, consider one of these credit cards:

American Express Platinum: $200 annual reimbursement
American Express Gold: $100
Bank of America Premium Rewards: $200
Chase Sapphire Reserve: $300
Citi Prestige: $250

Travel reimbursements will save you some serious money long-term.

Credit Cards That Let You Check Bags For Free

The Icelandair Mastercard and Icelandair Premium Mastercard are the two airline-exclusive credit cards to look into if you’re wanting to earn more points for Icelandair flights and purchases. These cards, issued by First Bankcard, have no foreign transaction fees and can earn you points, called Saga Points, on Icelandair purchases and purchases made anywhere else. These can be spent on baggage fees, flights, and more. To apply for these cards, you must become a member of the Saga Club frequent flyer program (more on this next).

The Icelandair Mastercard comes with no annual fee and awards 5,000 points as a first purchase bonus, one point per dollar spent on Icelandair purchases, and 0.5 points per dollar spent everywhere else. The Icelandair Premium Mastercard costs $39 a year, awards 10,000 points as a first purchase bonus, two points per dollar spent on Icelandair purchases, and one point per dollar spent everywhere else.

Icelandair Fee Waivers & Loopholes

Because it is a European airline, Icelandair does not offer discounts or fee waivers to U.S. active duty military members or their dependents. However, there are a couple of ways to hack your way to discounted prices through Icelandair. The first is to become a member of the Saga Club.

Anyone over the age of 12 can become a member of the Saga Club, but only members with 40,000 or more Saga points are upgraded to Saga Silver status and only members with 80,000 are upgraded to Saga Gold. Silver and Gold flyers earn more rewards and have priority access to exclusive offers (remember those free extra checked bags?) and upgrades that other passengers do not. The Saga Club does not cost anything to join.

Another way to save is to use Alaska Airlines points and miles on Icelandair flights and fees. This works because Alaska Airlines is Icelandair’s largest U.S. partner, so many rewards between these airlines are interchangeable. Of course, always opt for economy class when possible, check your bags ahead of time, and keep your baggage under the size and weight restrictions, as well.

How to Save Money Flying Icelandair

You’ll find that there are many ways to cut costs when flying with Icelandair. By knowing the (above) baggage rules, policies and potential waivers, you’ll be in the best position to fly Icelandair at the lowest possible cost to you and your family.

Spirit Airlines Baggage Fees, Policies & Loopholes [2020]

March 12, 2020 by flyergeek Leave a Comment

Unfortunately for travelers today, every airline has different baggage rules and policies. Fortunately for you, you’re in the right place to learn about baggage rules associated with Spirit Airlines for 2020. Here is everything you’ll want to know from size allowances to baggage fees for this budget airline.

Spirit Airlines Carry-On Rules

Spirit Airlines gives its customers one free personal item per flight but, unlike many other major airlines, charges for standard carry-ons. A personal item like a laptop, small backpack, or purse must not exceed a dimension of 18” x 14” x 8” or 40 linear inches (height + length + width). Carry-ons can be a maximum of 22” x 18” x 10”.

Passengers are allowed carry-on bags on Spirit flights, but exactly how much they will need to pay for these depends on a few factors. Exact prices for carry-on and checked baggage vary by date, flight route, and booking type, but the Spirit Bag-O-Tron can give you the numbers you need. Here are the approximate averages you can expect for carry-ons (which must be within the above size dimensions) obtained after running several searches.

	During Booking	Before Online Check-In	During Online Check-In	Reservation Desk	At the Gate
Standard	$40	$50	$50	$60	$65
$9 Fare Club	$31	$41	$41	$60	$65

Remember that these are only typical prices and your fees could be different. The price of a carry-on bag for a standard passenger ranges from $37 – 76 and for a $9 Fare Club passenger from $23 – 76. The sooner you add a bag to your reservation, the more money you’ll save.

Becoming a member of the Spirit $9 Fare Club (called the $9 Fare Club not because it costs $9 to join but because a 60-day trial membership used to cost $9) is also a great way to save on baggage fees. This club offers its members discounted prices and exclusive deals, and it costs $59.95 to join in 2020 and $69.95 to renew annually.

Spirit Airlines Checked Baggage Rules

Checked bags through Spirit Airlines may be a maximum size of 62 linear inches and a maximum weight of 40 pounds. Frequent flyers know that this weight restriction is slightly low when compared to that of other airlines, but that a 62-inch total length is fairly standard. Keep this in mind when flying Spirit.

Like carry-ons, checked bags are charged differently for standard passengers and $9 Fare Club members and prices also vary based on booking. This price breakdown shows what most people will pay per checked bag.

	Bag	Standard	$9 Fare
During Booking	1	$35	$26
	2	$45	$36
	3 – 5	$85	$76
Before Online Check-In	1	$45	$36
	2	$55	$46
	3 – 5	$95	$86
During Online Check-In	1	$45	$36
	2	$55	$46
	3 – 5	$95	$86
Reservation Desk	1	$55	$55
	2	$65	$65
	3 – 5	$105	$105
At the Gate	1 (only)	$65	$65

You’ll notice that all passengers checking bags at the gate are only allowed one piece of checked luggage. Checked baggage fees are also dependent on route and travel dates, but fluctuate less than the prices for carry-ons. The Bag-O-Tron will be a useful tool when calculating checked baggage fees, as well.

There are certain flight restrictions you’ll need to know about if you plan to either fly to or from South America at any point during the year or internationally between December 1st and January 10th. If either of these applies to you, see the list of special restrictions for such flights at the bottom of this page.

Spirit Airlines Excess Baggage Fees

A passenger may not bring a bag measuring more than 80 linear inches and/or weighing more than 100 pounds aboard a Spirit flight (unless under special circumstances), but bags under these limits and over the standard dimensions are allowed to be checked. Passengers will just have to understand that oversize and overweight checked baggage is charged an additional fee.

Oversize and overweight fees are:

+$30 for items between 41 – 50 lbs
+$55 for items between 51 – 70 lbs
+$100 for items between 71 – 100 lbs
+$100 for items between 63 – 80 linear inches
+$150 for special items over 80 linear inches

Examples of items that may count as checked bags or carry-on luggage but that could incur oversize/overweight fees include:

Musical instruments
Sports equipment
Bicycles
Wedding dresses
Art Supplies

Mobile and medical assistive devices such as wheelchairs, walkers, and canes can be checked free of charge at the gate. For a complete list of restriction exceptions, read the Spirit Contract of Carriage. Note that any oversize/overweight equipment not packed securely with the rest of your baggage will be charged separate fees. That means you should do your best to pack bulky items like hockey sticks safely within your bags.

Flying families will want to know that guests are allowed one FAA-approved car seat and one stroller aboard their flight for no additional charge. If these do not fit on board, they will have to be checked at the gate (again, this is free to you). See this list of seat dimensions for various types of Spirit aircraft if you would like to ensure that your child’s car seat will fit on your plane, in their designated seat.

Get Your Baggage Fees Reimbursed

No matter what baggage fees you are charged for a Spirit flight, you can get reimbursed for these if you’ve got the right credit card. Credit cards that reimburse travel fees include:

American Express Platinum: $200 annual reimbursement
American Express Gold: $100
Bank of America Premium Rewards: $200
Chase Sapphire Reserve: $300
Citi Prestige: $250

Get 1 Free Checked Bag Through Spirit

Unless you are in the military, there is no way to get free checked bags through Spirit Airlines. Even Spirit Airlines Mastercard holders and members of the $9 Fare Club are charged for every carry-on and checked bag. Spirit’s Bare Fare guarantee is what keeps flights ultra low-cost, but it’s also what makes obtaining baggage waivers and additional discounts difficult.

The only free allowance on a Spirit flight is a personal item and unless your baggage includes medical devices or strollers, you will be charged baggage fees. You’ll have to find other ways to save on flights through Spirit Airlines, like joining the $9 Fare Club and adding bags to your reservation right away.

Spirit Airlines Baggage Fee Exceptions

As mentioned, active-duty military personnel are the only passengers that qualify for free checked bags. These individuals are allowed two free checked bags and one free carry-on, so long as they present valid identification.

Knowing Spirit Airlines Baggage Policies

Spirit Airlines is a company already known for offering affordable flying rates, but you can save yourself even more money by learning about their baggage policies. By knowing what counts as oversize or overweight bags and taking advantage of opportunities to check your bags for less, you can keep more of your cash for spending wherever you go rather than on how you get there.

2020 Alaska Airlines Baggage Fees & Loopholes

March 10, 2020 by flyergeek Leave a Comment

Scroll down to find clever ways to avoid or reduce baggage fees when flying on Alaska Airlines.

If you haven’t visited the Alaska Airlines baggage information page in a while, you should take the time to familiarize yourself with current rules. Knowing the ins and outs of baggage policies makes it possible to save as much time and money as possible when flying, and this guide to 2020 fees and allowances can help with that.

From up-to-date bag size restrictions to every potential fee and waiver, here’s every baggage policy you’ll need to know before flying Alaska Airlines.

Alaska Airlines Carry-On Rules

Alaska Airlines passengers are allowed two free carry-on items per flight: one personal item and one standard carry-on bag.

In 2020, carry-on bags must be no larger than 22” x 14” x 9”. Current size guidelines stipulate that your total bag measurement (length + height + width) should not exceed 45 inches (linear).

There is no size rule for personal items, but Alaska Airlines lists purses, laptops, and briefcases as examples of acceptable carry-on items. Lap infants are not g iven separate baggage allowances, so diaper bags must be counted toward the standard carry-on allowance.

Other items that can count as a carry-on bag but that may exceed size restrictions (as long as they still fit safely on board) include:

Human Organs
Art/advertising portfolios
Paintings
Delicate scientific equipment
Fishing poles
Small musical instruments

Items that can be brought on board that do not count toward the carry-on limit include:

Coats, hats, and umbrellas
Pillows
Food to be consumed on the flight
Child restraint seats and transportation devices such as car seats and strollers
Properly documented service animals
Mobility and medical assistive devices such as wheelchairs, breast pumps, and walkers

Alaska Airlines Checked Baggage Rules for 2020

Alaska Airlines allows a weight of 50 pounds and linear measurement of 62 inches for standard checked baggage. Bags weighing and/or measuring more than this will be charged additional fees (outlined in the section below).

For bags within the standard size and weight restrictions, the fees are as follows:

1 bag	2 bag	3 bag	3+ bags
$30	$40	$100	$100 (each)

Items exempt from checked baggage charges include:

Strollers and car seats
Pineapple from Hawaii
Mobility and medical assistive devices
Wine—for Mileage Plan members through select US airports only

Fees for checked baggage may be paid at any airport counter or during check-in online. If your flight is eligible for self-tagged baggage, you can print your luggage tags at home beforehand or at a self-tag kiosk to save yourself time in lines (note: size and weight fee restrictions still apply).

It’s useful to know about the Alaska Airlines 20 minute baggage guarantee. Alaska Airlines commits to getting its customers their checked bags within 20 minutes of their plane’s arrival at the gate. If this time guarantee is not met and a customer is kept waiting at baggage claim for their luggage, they are eligible to receive either a $25 discount code or 2,500 bonus miles.

Excess Baggage Fees in 2020

Bags weighing more than 100 pounds and/or measuring greater than 115” (linear) are strictly prohibited, but checked-baggage may exceed the standard limits as long as it does not exceed these maximums. Oversize and overweight baggage incurs additional charges.

Here is a chart of price per bag for checked luggage that exceeds size allowances.

	Allowed	Fees
< 50 lbs and < 62”	Yes	Standard
51 – 100 lbs	Yes	$100
63 – 115”	Yes	$100
> 100 lbs and/or > 115”	No	–

If a bag weighs more than 50 pounds and measures more than 62 inches, only $100 is charged. Special baggage items including firearms, sports equipment, fragile/bulky items, musical instrument, and big game have their own restrictions, so make sure you know those as well. Also see seasonal checked baggage limits per person during peak travel times in 2020.

These Credit Cards Reduce Baggage Fees

Many travel credit cards reimburse cardholders for incidental fees associated with flying, and that includes checked bagged charges. The following major credit cards offer annual baggage fee reimbursement:

American Express Platinum: $200 annual reimbursement
American Express Gold: $100
Bank of America Premium Rewards: $200
Chase Sapphire Reserve: $300
Citi Prestige: $250

Many cards also offer luggage reimbursement for lost or stolen luggage, which is probably worth looking into if you do a lot of traveling or are flying with valuables.

Credit Cards That Give You 1 Free Checked Bag

Alaska Airlines has a few airline-branded credit cards that you can use to automatically get free checked bags rather than having to get your payments reimbursed. These cards, associated with Bank of America, are:

Alaska Airlines Visa Signature
Alaska Airlines Visa Signature Business
Alaska Airlines World Elite Mastercard

Each of these cards offers its members one free checked bag. This baggage fee waiver applies for up to 6 guests traveling in the same reservation. In addition to free checked bags, Alaska Airlines credit cardholders can earn miles, get cashback on in-flight purchases, take advantage of Alaska’s Famous Companion Fare, receive discounted lounge passes, and more.

Waivers and Loopholes

Travel cards aren’t the only way to hack the system. Some flyers that do not hold qualifying credit cards can still have baggage fees waived through Alaska Airlines if they meet certain guidelines. These include:

Active duty US Military personnel and dependents: first 5 bags free (see more exemptions below)
First Class flyers, upgraded before baggage has been checked: first 2 bags free
Flyers traveling within Alaska: first 3 bags free
Elite Mileage Plan members: first 2 bags free
Club 49 (a Mileage Plan program for Alaska residents) members: first 2 bags free

To qualify for military discounts, individuals must present valid military ID at the time of baggage check. In addition to free checked bags, active duty military personnel and their dependents have overweight and oversize fees waived for bags weighing up to 70 pounds and measuring greater than 115.”

Knowing Alaska Airlines Baggage Fees and Policies

Find out if you qualify for baggage fee exemptions, whether your baggage meets acceptable guidelines, and what you are allowed to bring with you before you board your plane. Be an informed traveler to make the most of every flight.

Chase Private Client Review – Are The Benefits Worth It?

March 6, 2020 by flyergeek Leave a Comment

The Chase Private Client Welcome Kit was designed by AlyssaStrand. Image courtesy of AlyssaStrand.com

In 2020, banking is more sophisticated and nuanced than just putting money into an account for safe-keeping. And with so much at stake, you want to make sure that you’re partnering with the right bank to meet all of your financial goals and needs.

If you’re a Chase customer with considerable assets under your belt, you may be considering the Chase Private Client Program. This personalized membership offers countless member-exclusive benefits, including one-on-one time with various financial advisors, banking and lending perks, and discounts on loans and transactions.

Here is a detailed look at everything this elite club has to offer.

What Is the Chase Private Client Program?

The Chase Private Client Program (CPCP) is an invite-only program that offers countless exclusive benefits and services to its members. According to the bank, Private Clients enjoy a “personalized relationship” with Chase through which they receive access to only the best banking features and services offered.

From customized J.P. Morgan investing guidance to exclusive lending programs, there’s almost no end to the special treatment you’ll get as a Private Client. Other benefits include but are not limited to:

☎️	Priority banking service (24/7 on-call access)
💳	Member-only credit cards
🏠	Loan discounts
👵🏻	Extensive retirement and financial planning resources
💰	Lower fees on most transactions (including those made abroad) and higher withdrawal and credit limits
🤵	Access to dedicated lending advisors

Who Is Eligible for the Private Client Program?

Not just anyone can become a Private Client (PC) with Chase. This invitation is given only to Chase’s “best customers,” and you’ll either need to request a meeting with a Private Client banker to discuss your qualifications or wait around for a letter just to be invited. There are two ways to qualify for an upgrade to top-tier status with Chase:

Have a combined total of $250,000 or more between all of your Chase personal and business checking, savings, and investment accounts. This does not include online self-directed investment accounts with You Invest or retirement accounts.

Have a family member extend their Private Client membership to you. Though being a Private Client does not technically cost anything in membership fees, members not invited by a family member must maintain a daily average of $250,000 for continued status. Within 45 days of upgrading, Private Clients must disperse this sum across whichever qualifying accounts they choose.

For most, that’s quite a chunk of cash and not a lot of time. You’ll want to consider any opportunity loss you may incur from moving money out of another investment or savings vehicle to meet this $250,000 requirement. If you don’t have that kind of money lying around, you might find yourself selling shares of stock, pulling from a savings account that was accruing interest, and even missing out on countless investment opportunities you were consider pulling the trigger on – just to meet this target. You’ll have to decide for yourself if the program is worth the sacrifice.

The second way to hack your way into the CPCP is to become a joint account owner with another Chase Private Client that is an immediate family member. All adult members of a shared Private Client deposit account are awarded the privileges of a membership, whether each of them has $250,000 or not. This loophole is utilized by many Chase customers that would otherwise never qualify for elite status.

Benefits of the Chase Private Client Program

Several aspects of modern banking are changed for Chase members elevated to Private Client status—overall, the program has many strengths, but it also has many caveats. Chase works hard to keep its Private Clients, but be sure to read the fine print before you make any decisions.

A Sign-Up Bonus That’s Hard to Beat

Opting to upgrade to Private Client status immediately comes with a hefty reward—no, not in the double or triple digits. Until April 27, 2020, just for becoming a Chase Private Client, members are instantly awarded a 💰$2,000 sign-up bonus 💰deposited directly into their account. This particular offer won’t last long, but there’s usually some type of promotion year-round.

Credit Cards and Rewards

Behold! These are Chase Bank’s most illustrious credit cards. Image courtesy of AlyssaStrand.com

The Private Client Program does not have any unique cards except for the debit card given to members; even the highest-rated Chase cards are available to all. Any Chase member can apply for the Chase Sapphire Reserve card, an elusive travel card that unofficially requires a credit score of 750 or higher, and the Chase Sapphire Preferred card, which requires a 700 or higher.

Private Clients are more likely to have these cards, but their approval odds are only higher because they have more money and better credit to begin with. If a person is likely to qualify as a Private Client, they are also likely to qualify for the top cards. The CPCP does not guarantee credit card approval and card rewards and points are the same for everyone.

Unless you’re a long-time personal finance junkie, you’re probably not familiar with the Chase 5/24 rule. This quietly enforced “no more than 5 credit card accounts opened in the course of 24 months” rule includes all cards that contribute to a person’s credit (not just Chase), and it’s firm for everyone. That means that PC’s aren’t likely to get around this stipulation even though they are Chase’s “favorites.”

Convenient Banking

Members of the Chase Private Client Program never have to go long without getting help. Private Clients have access to a 24/7 exclusive Banking Services line (Domestic: 1-888-994-5626, International: 1-405-235-4847) to answer questions the moment they have them, no in-person appointment or hours on the hold required.

Members of this program also have a dedicated banker ready to help them navigate and make the most of their membership. There’s a lot to the private program, but clients don’t have to figure it out alone. In addition to these helplines, Private Clients are offered a number of banking benefits, including:

● Higher daily ATM withdrawal limits (up to $2,000)

● Higher daily purchase limits (up to $7,500 with Chase Private Client debit card)

● Higher QuickDeposit and QuickPay limits ($25,000 per day and $100,000 every 30 days and $5,000 per day and $40,000 every 30 days, respectively)

● Rushed (free) card replacement

● No Chase fees at non-Chase ATMs or on wire transfers

● No monthly service fees on checking or savings accounts

Business Account Bonuses

Chase members with Private Client status that also use Chase for their business banking can count on a few special accommodations. Specialized business banking advisors are assigned to every Private Client business owner. These advisors can answer any of your questions and help you strategize your business spending so that you’re using your money as effectively as possible.

Private Clients do not pay any fees on electronic deposits to Platinum or Total Business Checking Accounts or service fees on these accounts. Even better, minimum balance requirements are lower for Private Client Platinum Business Checking accounts. If you’re wondering whether your business account funds can be used to qualify you to become a Private Client, the answer is yes.

Investment and Retirement Counseling

Members of the Chase Private Client Program get to partner up with dedicated J.P. Morgan investment advisors. Because J.P. Morgan is one of the biggest investment banking companies in the business, that means access to global expertise and vast market research. Clients meet with their advisors regularly to discuss immediate financial needs and market and economic trends as well as smart next moves.

Chase Private Client members also get help prepairing for retirement in the form of a comprehensive 4-step plan. Through this plan, clients identify what they want to get out of retirement, evaluate their current financial situation, develop strategies for success, and assess their goal progression, all with the help of an investment professional.

However, there is a catch. Giving J.P. Morgan the reigns to manage your investment portfolio and offer advice isn’t free, even for Private Clients. An annual fee of 1.25%, billed quarterly, is charged for portfolio management services from J.P. Morgan. Many professional portfolio advisors, through firms like Vanguard and Personal Capital, charge less than this (the average is more in the 1% range). If users choose to use You Invest, a self-directed free trading platform, instead, their investment opportunities will be severely limited and their returns much lower.

Mortgage and Loan Advice

The stressful process of taking out a home mortgage or auto loan is made less stressful for Private Clients because these Chase members receive discounted rates on lending and top-notch personal loan advice. Through the Chase Private Client Mortgage Rate Program, members work with home lending advisors and other team members such as underwriters and processors to plan their home loans with big picture financial goals in mind.

When it’s time to take out a loan, Private Clients can expect up to 1.25% off the standard variable rate for a home equity line of credit and a 0.25% rate discount off standard auto loan rates with an additional 0.25% off of that when refinancing.

Privileges for the Whole Family

While Chase Private Clients can extend their benefits to other members of their immediate family with whom they share accounts, the family privileges of this membership don’t stop there.

Parents might like the fact that they can set withdrawal and spending limits on authorized debit cards for use by their kids through the Private Client Program, but young adults can learn more about responsible banking themselves through Chase’s Student Banking Program. However, these features are not exclusive to the CPCP.

Additional Benefits

There are a few final hidden perks to the Chase Private Client Program that shouldn’t be overlooked for those that enjoy skipping lines and being treated like a VIP. Chase Private Clients have access to annual member-exclusive events, early ticket purchase on select entertainment, and can even utilize their membership to gain special entry into certain institutions through the Chase Private Client Arts & Culture Program (though use of this perk is limited).

Does It Pay to Be a Chase Private Client?

The CPCP likely isn’t for anyone still improving their credit, new to investing, paying off large loans (other than perhaps home loans and mortgages), or just beginning to plan for retirement.

The Chase Private Client Program is best-suited for larger asset-holding Chase customers that favor convenience and may want a little help with big financial decisions but have already made some progress towards long-term financial goals. It’s also worth noting that not all Chase banks participate in this program, so this is very much a case by case offer.

As with anything, there are pros and cons. There are discounted loan rates, waived service fees, and member-exclusive events, but there’s also that massive $250,000 minimum account balance requirement.

Do you have experience being a Chase Private Client? Please share in the comments.

Google ITA Flight Matrix Guide – Tips, Tricks & Hacks

March 4, 2020 by flyergeek Leave a Comment

The ITA Flight Matrix is the software that powers Google Fights and other popular booking portals.

Planning to travel by air soon but not sure of the best way to find a flight? Look no further than Google. But instead of using the standard web search engine you know and love and coming across numerous advertisements and sponsored results to sift through, try using the advanced flight search engine created by Google’s very own travel information software company, ITA Software.

If you’re wondering why you’ve never heard of the ITA Flight Matrix, it’s probably because you’ve been using one of the many search engines powered by its groundbreaking technology.

Though the ITA Matrix functions as its own entity and can be used to search flights, the software behind it is actually used by countless other flight search engines. If you’ve ever visited search platforms and online travel agencies (OTAs) like Google Flights, Orbitz, Expedia, Priceline, or Kayak or airline sites like United and Delta to find flights, you’ve indirectly used the ITA Matrix.

How Google Acquired ITA Software

Google and the ITA Matrix were not always the power couple that they are today. Though the company ITA Software was created by MIT grads in the 90s, it wasn’t until 2010 that Google announced plans to absorb the online air travel broker and its Matrix for a cool $700 million.

After this smart business move on Google’s part, the original Matrix tool was reimagined into Version 3.0, a more convenient and up-to-date translation of the original. The software that started it all, called QPX, was kept intact for use by corporate customers, but it was also rolled into Google’s own separate airfare search entity created in 2011, Google Flights

Google’s all-in-one flight search engine might sound like science fiction, but it’s a very real and very useful tool that also happens to be free to use. By extending its business to include cutting-edge search software, Google made finding travel information easier than ever for flyers and airlines alike.

Google’s ITA Flight Matrix is the most robust flight search vehicle on the market today. Using the Matrix, users can select for flights by route, price, airline, and any other detail they desire in mere seconds. Here’s how to use the prolific but surprisingly accessible search engine to find your next flight.

How To Use The Flight Matrix For Best Results

Before Google’s acquisition of ITA Software, the user flight-shopping experience was messy and confusing with a single flight search resulting in pages and pages of competing outputs to choose from.

Fortunately for consumers now, it doesn’t get more user-friendly and customizable than Google’s ITA Flight Matrix, which allows travelers to tailor every aspect of their flight to fit their specific itinerary needs and search for the most affordable travel options. Plus, the ITA Matrix is straightforward and un-intimidating to use. Here’s how to build your whole search using the Flight Matrix search engine. See the empty search page below.

Selecting for Round-trip, One-way, or Multi-city Trips

To begin your search, simply toggle to select for your type of trip at the top of the Matrix site, where 3 options are organized into separate tabs: round-trip, where you purchase one ticket for both departure and arrival; one-way, where you purchase one ticket for only your departure; and multi-city, a round-trip option where you can choose separate cities for departure and arrival.

If you’re not sure what type of trip you want to take before you start your search, no need to worry. The search tool will auto-populate most of your selections between tabs so indecisive users don’t have to keep starting over.

Choosing City of Departure

The Google Flight Matrix allows users to specify exactly which airport they’d like to depart from using either a city name or airport code and filling in the Departing from search box. If you don’t know your desired airport’s code, find it at https://www.world-airport-codes.com/.

Searching a city that contains multiple airports will show all airports when you type the city’s name into the search bar. Choose “All airports” at the top of this list if you don’t have a preference.

Travelers can even use the name of a state for this search and see every airport in that state. This might be a good option for anyone that wants the cheapest flights and has some flexibility as to where they can go to take off.

Choosing Destination City

Choosing a destination city is no different than choosing a departure city in the Google Flight Matrix. Using the Destination box, just search the airport you’d like to land in, again by either a city name or airport code.

The “Nearby” option to the right of the Departure from and Destination boxes lets you search airports outside of the city you’ve chosen within a specified radius than ranges from 25-2000 miles—you can even select all of the options that pop up.

Users looking for round-trip flights can choose separate departure and destination cities/airports or opt to use the same. The “Reverse route” option swaps the destinations of arrival and departure.

Optional Advanced Routing Codes

Airport routing codes might sound a little intimidating, but they are just an advanced flight search option in the Matrix that you may or may not want to use to quickly specify your exact preferences.

Using only routing codes, you can indicate how many stops you wish to make, which airline you’d like to use, where you’d like to connect, your itinerary duration, and more. Find out how to determine the routing codes for travel searches below.

Specifying Dates In The Matrix

There are a few options you’ll want to be aware of when inputting your flight dates into the Matrix. First, in the Dates section, you’ll want to select either Search exact dates or See calendar of lowest fares.

When you toggle the mm/dd/yy Outbound Date o r Return Date box, a calendar will automatically pop up. Use this to find the dates you’re looking for.

Outbound Departure Date

For every date you select in the Google Flight Matrix, you have the option of also stipulating your preferred time of departure. These time brackets include:

● Early morning (before 8:00 AM)

● Morning (8:00 – 11:00 AM)

● Midday (11:00 AM – 2:00 PM)

● Afternoon (2:00 – 5:00 PM)

● Evening (5:00 – 9:00 PM)

● Night (after 9:00 PM)

You can select as few as one or all of these boxes. Don’t mind getting up early? Let the Matrix filter for early morning and morning flights to avoid airport traffic. Fares tend to fluctuate according to flight time, so if you’d like to see all of your options, check each time box or select “No preferred times” below.

Return/Arrival Date

When choosing your return/arrival date, you can specify your preferred time of arrival just as you could specify your preferred time of departure. Another handy feature of the entire dates section is the On this day only drop-down box. As you might guess, this lets you decide whether to open your search to include dates outside of your given range in your search results. These options include:

● On this day only

● Or day before

● Or day after

● Plus/minus 1 day

● Plus/minus 2 days

Take advantage of any flexibility you may have here to save money.

Filling In Number of Adults

When you get to the Adults section, be prepared to give the exact ranges of all passengers you anticipate being in your party. Those flying with adults only (between the ages of 18 and 61 years old) can just choose the number of adults from the menu and move to the next section.

Click Children, seniors if you’ll be taking anyone under 18 years old and/or above 61 years old with you because this will open up age selection options. Just like other flight search engines, the Google Flight Matrix wants to know how old your party’s passengers will be. Why? Because some airlines have certain age restrictions. For example, some require you to have tickets for passengers under the age of 2, others don’t. Some define adults and children differently.

Let the Matrix do the dirty work of weeding out the flights that won’t work for your party. All you have to do is select the appropriate number of passengers in each age bracket:

● Adults (18 – 61 years)

● Seniors (62 and over)

● Youths (12 to 17)

● Children (2 to 11)

● Infants in seat (under 2)

● Infants in lap (under 2)

Many airlines will ask that you either purchase your infant a separate seat or keep them in your lap for the duration of your flight.

Cabin Type Options

The Cabin section asks you to pick your flight type. Most airlines offer four classes of cabin types, and the Flight Matrix uses these as well: cheapest available (economy), premium economy, business class or higher, and first class.

Each flight class offers different services and accommodations to its passengers. Economy class—also known as coach or standard—is, of course, the most affordable option and first class is on the opposite side of the spectrum.

Economy flyers can expect only the most basic amenities, narrow seats and walkways, and minimal snack and beverage selections. Premium economy is a step better and business class a step better than that.

First class flyers usually enjoy spacious seating, luxury entertainment, privacy doors or even rooms, and fine dining. The Google Matrix is interested in your cabin preferences primarily so that it can cater your results to your budget. After all, you don’t want to see first class flights if you have a premium economy budget, do you?

Choosing Your Desired Number of Stops

Choose the number of stops ideal for you using the Stops box and selecting from the following:

● No limit

● Non-stop only

● Up to 1 stop

● Up to 2 stops

You will notice that the stops selection alone drastically changes your search results.

Extra Stops Allowed

Remember that the Matrix is designed to search all possible options for you, and if you allow it to hunt for even better deals, it will. Essentially, the difference between Stops and Extra stops is just is the difference between what you’re okay with and where you absolutely put your foot down.

If, for example, you’d prefer to keep your itinerary to 1 stop but you’d go as high as 2, choose 1 stop for Stops and up to 1 extra stop for Extra stops. This will guarantee that you aren’t passing your limit while also showing more flight choices.

Selecting Options In The Other Section

Toward the bottom of your Matrix search, you will see boxes to check in the Other section. These are “Allow airport changes” and “Only show flights and prices with available seats”.

Both of these boxes are automatically checked in the interest of saving you money, but you can uncheck “Allow airport changes” for a simpler itinerary or “Only show flights and prices with available seats” if you’re willing to risk not getting a spot on your flight.

What To Do When You Get To Currency

The Currency box search page is an optional advanced feature, but you can use it to show flight fares in a different currency. The currency you will see defaults to the currency of sales or departure city, so if you’re leaving from the United States, flight prices will be shown in USD or U.S. dollars.

When would changing this box come in handy? Say you have been on an international trip in Europe for a while and are ready to book a flight home to the United States. Your fares in the Matrix will be given in euros unless you change them to dollars, which you might prefer if that is the currency you are most comfortable using.

What Is The Sales City?

At the very bottom of the Google Matrix search box is the Sales option. The default for sales city is departure city, but international flyers might find cheaper flight options by changing sales city.

Sometimes, due to currency exchange rates, flight prices are different in different cities for no apparent reason. If you play around with currency and sales city, you might get lucky and find slightly lower fares.

Flight Search Example: Understanding and Filtering Results

To understand what your search and results will actually look like when you use the ITA Matrix to find a flight, take a look at this example.

This is the search page for a trip from Chicago to Los Angeles. The results page is shown below.

Look at the different drop-down menus above the results. Filtering options include Price, Airline, Depart, Arrive, Duration, From/To, Stops, a nd Advisory. These choices will allow you to not only sort your results in various ways but also change aspects of your trip without having to go back and edit your whole search.

Select departure time and compare prices.

Want to change your departure time window? Simply select Depart and click the boxes you’d like to see results for.

Want to see the shortest or longest possible flights? Select Duration and toggle the sliders as needed.

You will notice that the Matrix automatically filters prices by low to high, showing the cheapest flight options first in orange type. If you hover your cursor over the prices for any of the flights, a box showing the exact price per passenger and the total cost will appear. Click on a price to see that flight’s itinerary.

Remember flights can’t be purchased directly from the ITA Software.

Comparing Airline Options

Using the Airline menu, you can select for and/or delete airline options from your search. “All airlines” is automatically selected, but you can check and uncheck boxes as you please. If for some reason you prefer not to fly through American Airlines, for instance, uncheck its box and these flights will no longer appear in your search.

Because different airlines price their flights differently, analyzing all fares across airlines might be smart. Some frequent flyers through a particular airline can use this feature to ensure that they can put miles and points toward the price of their flight.

Saving Money Using The Google Flight Matrix

There are a few simple rules you can follow to save more money using the Google Flight Matrix before you’ve even gotten to the results page. Use search strategies such as the following to make sure that your results only include the most economical options out there.

Fly economy—select this option from the Cabin section.
Be flexible—open up your search to include more days and times (choose “Plus/minus 2 days for Dates and “No preferred times” for outbound and return flights).
Allow stops, airport changes, and connections.
Avoid hidden fees (keep reading to see how).
Take advantage of the See calendar of lowest fares feature.
Try entering a few different currencies and sales cities.

Follow these steps in your search and use the hacks provided later in this article, you’re sure to get the best value on your next flight.

Price Differences Between The Matrix And Google Flights

So, are prices the same between across the Google Flight Matrix API (Application Programming Interface) and Google Flights? Not quite, but the Matrix is more accurate.

Until Book With Matrix, users could not book using the Matrix. And while they still can’t purchase directly from ITA using Book With Matrix, they can input their selected itineraries to find the exact flight they’re looking for. Because this redirects users to travel agency and airline sites, these prices are always up-to-date and what you see in the Matrix is what you’ll get.

Google Flights, on the other hand, doesn’t usually reflect changes when airlines update prices. Because of this, you might be shown a fare that’s no longer offered and you won’t see the true price of a flight until you prepare to check out.

As for other flight comparison sites, you can expect similar, if not the very same, fares between these and the Matrix. For the same round-trip premium economy flight from Chicago to L.A. shown in this article, the total price is $2639.40 across:

The ITA Matrix
Flight Network
Priceline
Expedia
United Airlines

How To Use Routing Codes In The Google Flight Matrix

Routing codes can restrict your options so that you see only precisely what you want to see, but how do you know what codes to use? You don’t have to be a computer programmer or tech wiz to use advanced routing language, but it might take a little practice to craft coded queries. Here are all of the possible input options.

Using routing code syntax may help you drill down to your ideal flights quicker.

By clicking “Advanced routing codes,” you can input codes and narrow your search quickly and accurately. Every flyer is different and has different preferences, and the Matrix leaves room for all of these. Here are a few real examples for reference. (Note: Find an airline’s two-letter code using IATA’s code search tool.)

Routing Code Examples

These example queries came directly from a Google Help page devoted to ITA Routing Codes.

● A direct flight through American Airlines: [AA] or [C:AA]

● Up to three flights, at least one through US Airways: [F? US F?]

● Two connections or less: [X? X?]

● Two connections or more: [X X+]

● A flight on US Airlines followed by a flight on United Airlines: [US UA]

Keep in mind that you will have to input your codes into the right box for each part of your flight. If, for instance, you are flying round-trip and don’t want to make any stops on the way back (Destination flight), you will need to input this code into the Returning routing code box beneath your second flight as opposed to the Outbound routing code box beneath your first flight.

Extension Codes

In addition to the standard routing codes shown above, users can use extension codes to sharpen their searches even further. These can limit the number of stops, establish minimum connection times, and even prevent overnight flights from being displayed. See these below.

You can have a routing code, an extension code, or both—just be sure to plug your codes into the right boxes.

Extension codes, like routing codes, are a helpful advanced feature of the search engine. Some flyers, for instance, might want a specific connection point so they can drop in a friend’s city for a cup of coffee—they would use [X:___] and fill in the blank with the code for the connecting city—and they could even specify a minimum connection of 1 hour using [/ minconnect 60] to make sure they have sufficient time to visit.

Think you’re ready to try coding for yourself? Try this example: You’re willing to make a single stop on your flight anywhere other than New York City, and you’d like to avoid this stop being either red-eye or overnight. What would the code be?*

Tips And Hacks For Booking Flights

In the past, tickets couldn’t be purchased directly from ITA Software. Now, however, there is the almost too-good-be-true BookWithMatrix tool (which is not affiliated with Google or ITA Software). This program redirects users to booking sites right from their search. If you thought building the perfect search was easy, wait until you see this part.

To book your chosen flight through Matrix, follow these steps:

Select the flight you want by clicking its price. This will direct you to a page titled “Itinerary Details”.
Highlight the entire itinerary page by clicking CTRL + A. Once the whole page is highlighted, click CTRL + C to copy.
Input this itinerary into the BookWithMatrix toolbar by clicking CTRL + P.

Note that “BookWithMatrix” is not actually affiliated with the ITA matrix or Google.

This is how your page will appear once you’ve followed the above three steps. Now you should be ready to book your flight and all you have to do is navigate to the Book With… button and choose from a couple of flight booking sites that use the Matrix, such as Flight Network and Priceline. But before you do that, make sure you know exactly what you’re agreeing to.

Airplane tickets are tricky. Hidden fees and bloated prices can quickly overwhelm even the savviest travelers, but don’t let them trip you up or catch you off guard. When it comes to actually booking, there are many hacks for ensuring that you are getting the best possible fare using your search results. Follow these tips and tricks for best results.

How To Quickly Spot Hidden Fees

One money-saving booking trick is to know how to spot hidden fees. Most flights come with hidden fees and unexpected expenses that you often wish you’d known about ahead of time. For your next flight, you can. Save money by avoiding bogus charges associated with:

● Checking luggage

● Prebooked seats

● Reservation changes

● In-flight Wi-Fi

● Payment card type

Some flight fees are unavoidable, but that doesn’t mean you can’t be prepared for them. Find out before y ou book what you will be charged for checked and carry-on bags (most airlines offer carry-ons for free, but not all), what payment types come with additional service fees, whether there is a cancellation or change charge (and what it is), and which in-flight amenities are not complimentary. Usually, important flight information is included in a detailed separate document or page attached to a ticket booking screen. Scan this thoroughly if you don’t want any charges sneaking up on you and look into the common ones listed above.

Identifying Economy Class Flights

Perhaps it goes without saying, but choosing economy class is often going to save you the most money and one of the easiest cost-cutting hacks to use. This, well, economical option is designed for people that are willing to sacrifice comfort and convenience for savings.

Economy class flights are denoted with many labels, including third class, coach class, steerage, standard economy, and budget economy. Airline booking codes for economy class include O, Q, N, S, G, V, L, M, K, H, and Y. If you see one of these, your ticket is an economy ticket, and you’re probably getting the lowest fare possible.

The Google Flight Matrix makes identifying economy class flights easy by allowing you to search for this cabin type exclusively (see section about cabins above).

Using The Full Calendar For Lowest Fares

Remember that See calendar of lowest fares s ection of the Matrix? Here’s how to take full advantage of that. The results page lists the cheapest options right at the top, but you can see even lower fares by selecting See calendar of lowest fares in the Dates section of your search. You will then need to type in your departure date and approximate length of stay.

What this does is show you fare prices for an entire month or more, with ticket prices for your trip displayed on each day. Select one of these days as your exact departure date and your arrival date will be automatically chosen based on the length of your stay. This feature lets users see fare fluctuations all in one place without having to edit their search over and over again to hunt for the lowest fares.

Comparing Two, One-Way Hacker Fees

One trick that’s trending among thrifty air travelers is known as the hacker fee or fare. This is the process of piecing together two individual flights on separate airlines to form a round-trip in order to save money.

To try this hack, pull up a round-trip flight in one window, one-way departure flight in another, and a one-way arrival flight in a third. Select the cheapest fare options for each and do a side-by-side comparison of itinerary prices. To ensure that you are actually seeing the lowest prices, use the calendar above.

Booking Flights Using Airline Points And Rewards

Loyalist flyers with miles to use and cardholders with airline points might want to know how to use the Matrix to book flights using their rewards. This process is simple.

First, if there’s a particular airline you must use to redeem rewards, filter your results or search to include only that airline. Next, find the best flight for your trip and input your itinerary into Book With Matrix. At some point during your booking and checkout process, there should be an option to use points and rewards.

If there is not an option to redeem rewards on the websites linked through Book With Matrix, just save a copy of your Matrix itinerary and show it to a travel agent or airline representative. They will be able to use the provided fare codes to find the right flight for you and walk you through cashing in on miles and points. This tip will guarantee that your hard-earned points aren’t wasted.

Should You Use The Matrix To Book Flights

The Google Flight Matrix can handle the most complex travel plans and navigate the entire scope of flight search data for you, condensing only relevant results into a useful and easy-to-navigate page. This powerful search tool can make tedious components of travel significantly easier to manage, and you stand to lose nothing by using it (it’s free, remember?). Soyes, youshouldbeusingtheMatrixtofindandbookflights.

If you’re like the 4 billion and counting passengers turning off electronics and fastening their seat belts for lift-off each year, odds are good that you’ll be taking to the sky soon. And if you do, save yourself the stress of endless searching by using the Google ITA Matrix. Once you learn how to use this search engine, you’ll never go back to your previous methods of finding flights.

*Answer: [~NYC / -overnight;-redeye] with ~NYC in the routing code box and -overnight;-redeye in the extension code box.

American Eagle Credit Cards – Is Applying Right For You?

February 24, 2020 by flyergeek Leave a Comment

You probably know American Eagle Outfitters best for the ubiquity of its clothes in high schools and on college campuses. The American Eagle brand can be seen in stylish logo hoodies, ripped baggy jeans, trendy crop tops, and everything else the kids are wearing these days—and it’s basically been popular since its creation.

But how has AEO, founded in 1977, beat the odds and stayed on top of the game through the decades? The company has managed to not only stay relevant but even grow by implementing innovative marketing campaigns that appeal to a wide range of young consumers and by introducing its now highly successful lingerie and intimate clothing line, Aerie.

Plain and simple, American Eagle sells higher-quality clothes than their competition and celebrates diversity with inclusive ads and product lines. They give the people what they want, and the people want AEO to stick around. With over 1,047 stores globally, the company isn’t going anywhere anytime soon.

Maybe you’re a regular American Eagle patron and you’re wondering whether signing up for one of their store cards would be a good idea. Keep reading for an in-depth review of AEO credit cards and all the information you’ll need to make a decision.

An Overview of AEO’s Two Store Credit Cards

American Eagle offers not one but two credit card options to its customers, so you’ll have to know the difference between them in order to decide which is best for you. The AEO Connected^® credit card is the standard option and the AEO Connected^® Visa^® offers more bells and whistles, plus a surprising perk.

Both American Eagle credit cards are issued by Synchrony Bank, an institution that has firmly established its presence in the retail credit card sector with over 100 store-branded cards, the likes of which include juggernauts Amazon, Lowe’s, Gap, and Marshall’s. Here’s everything you should know about the AEO Connected^® card.

The AEO Connected® Credit Card

First up, AEO Connected. The “basic” AEO Connected^® credit card option is only slightly more basic than its VISA counterpart and itself has a long list of perks and rewards. The benefits of this card include:

🛍️	20% off your first card purchase
🛍️	An extra 10% off every other purchase
📦	Free shipping to the U.S., Puerto Rico, and Canada
💵	15 points earned on the dollar
💵	$10 off reward for every 2,500 points
👖	Buy 5 get 1 free on jeans and bras
🦹🏻‍♂️	$0 fraud liability
📱	Mobile and online account management

The Connected card also offers coupons and events to cardholders, like:

🎁 – 15-20% off birthday coupon.	Valid for 15% off any single total purchase for Full Access members and 20% for Extra Access and cardholding members.
🛒 – Personal shopping day coupon.	A coupon for between 10 and 20% off a single total purchase, depending on what promotion is being run at the time of signup.
🎟️ – 6 cardholder events each year.	Including savings events, opportunities to earn extra points, and more.

The AEO Connected® VISA® Credit Card

So how does adding that “VISA” to the AEO Connected card make a difference? Well, the AEO Connected^® VISA^® credit card offers all of the perks of the Connected credit card, plus:

You can use it anywhere VISA cards are accepted.
Earn 5 points for every $1 spent outside of AEO.

Yes, anywhere. You don’t have to be shopping at an American Eagle store to be earning American Eagle points, and that goes for online purchases too.

AEO Connected’s Extra Access Program

All cardholders are considered to have “Full Access” to Connected rewards from the time they sign up for an AEO credit card, but they are upgraded to “Extra Access” status when they spend $350 or more on net qualifying purchases with their AEO credit cards in a calendar year.

Extra Access members enjoy a birthday coupon for 20% instead of only 15% and a $15 credit reward on 2,500 points instead of $10. To maintain Extra Access status, members must continue to spend $350 annually. Otherwise, they return to Full Access status and lose any additional rewards they may have earned under the higher-tier membership level.

An In-Depth Overview of AEO Connected’s Rewards Program

The fine print on the AEO card rewards program is extensive, so here’s a breakdown on how to earn, manage, and spend points and rewards for the two cards.

An Important Note About AEO Connected

Before diving into nitty-gritty credit card reward details, it’s important to note that AEO credit cards are entirely separate from the AEO Connected rewards program. This just means that you’ll have to be both a cardholder and enrolled in AEO Connected in order to earn the benefits outlined above for each card (and some of these benefits are actually just Connected benefits).

Not all AEO Connected members are credit card holders, but all AEO credit cardholders are Connected members because they are automatically enrolled in the rewards program upon signup as long as they provide a valid email.

For the purposes of this article, AEO credit card rewards and AEO Connected rewards will be considered together as all cardholders enjoy at least Full Access Connected perks.

How to Earn Points/Rewards

Upon signup for an AEO credit card, customers are instantly awarded 500 points. From there, all purchases made online, in-store, and over the phone earn points.

The amount of a qualifying purchase that earns points is equal to the transaction total after rewards and discounts have been applied and before tax is added. For example, a $50 purchase (before tax) for which a $10 coupon is used only earns points on $40 of the total.

Individual stores may run promotions in which cardmembers receive additional points and/or discounts for certain purchases over a limited period of time, but these are up to the discretion of store administrators and vary by location. In addition, administrators may at any time terminate, expand, limit, or otherwise modify the Rewards program for their store with no warning.

Be sure to stay updated on the deals and terms of your local AE stores if you want to get the most out of your membership.

How Points and Rewards Are Issued

Points earned are automatically applied to a customer’s loyalty account via email, text, and/or the AEO mobile app (remember: a valid email address is required for enrollment with AEO Connected, as no paper statements or rewards are issued).

There is a 14-day waiting period to receive points and credits between the time of purchase for which rewards were earned and the time these rewards can be redeemed. American Eagle tells its members that they can expect to wait between 15 and 21 days to receive a reward after reaching that reward’s point

threshold. After this time period, updates to a customer’s account balance should be reflected in their Connected account at ae.com and on the app.

When a cardmember makes a return, any rewards earned on that purchase are removed from their account.

How to Manage Points and Rewards

Cardmembers can view their reward balances as well as access credits and coupons through their Connected account either online or through the American Eagle/Aerie mobile app. From there, customers can also see reward activity and keep up with current Connected offers.

How to Use Points and Rewards

Points will never expire as long as members make at least 1 purchase a year, or in a 375 rolling period from the date of signup. This keeps a Connected account active. However, rewards do expire, and after only 45 days from the date of issue. For example, if you received a $10 off coupon for reaching 2,500 points, you have only 45 days to use it before it is nullified.

Rewards can be accessed and redeemed through a member’s Connected account at https://www.ae.com/ca/en/myaccount/aeoconnected. Customers must present email or text rewards and credits at the time of purchase, whether online or in-store, in order to redeem.

Credits and coupons contain codes that can be easily used to make online or over-the-phone purchases. Identification and/or proof of Connected membership may be required to use rewards at retail locations.

How Much Are Points and Rewards Worth?

Plain and simple, Connected rewards aren’t worth “real” money. Rewards, points, and credits earned have no monetary value and cannot be exchanged for cash. Rewards and points cannot be traded or sold and a customer cannot request to exchange store credit for money.

How to Apply for AEO Cards

The application process for an American Eagle credit card is no different than any other card application process. Interested customers can either apply in-stores or online through Synchrony’s application and must provide the following information:

Name
Address
Phone number
Email address
Date of birth
Last Four digits of your social security
Annual net income

This information is enough for Synchrony to determine whether an applicant should be approved or denied credit. Upon credit approval, customers are then enrolled automatically in the AEO Connect program and awarded their signup points.

Core Demographic of AEO Cards

Because the people that score the most with an AEO credit card are people that frequent the establishment, it makes sense that the AEO credit card core demographic is comprised of its most loyal customers.

American Eagle Outfitters’ core demographic is comprised of middle- to upper-class, primarily caucasian, 15- to 25-year-old male and female patrons. Because one must be at least 18 years old to be approved for any credit card, AEO’s core card demographic is the 18- to 25-year-old range. Aerie, American Eagle’s women’s lifestyle brand and one of its greatest sources of revenue in 2020, caters specifically to women.

Prices at this behemoth retail store are reasonable enough to be affordable to the average middle-class citizen and products feel high-end enough to appeal to the upper-class. However, this doesn’t mean that just anyone that shops at American Eagle can get one of their credit cards—credit approval is still a factor.

Credit Score Minimum

AEO Connected^® credit cards aren’t altogether difficult to get approved for, even for those with credit scores in the fair range. Applicants with low-600s credit scores can expect to be approved for an AEO Connected^® credit card as long as they don’t have any major blemishes on their record, but they’ll probably be stuck with a meager $150 credit limit.

As for AEO Connected^® VISA^® credit cards, scores in the upper-600s to low-700s are more typical. Because these are VISA cards and can be used everywhere that VISA is accepted—which is most anywhere—these are much more difficult to obtain than the exclusively store-branded credit card.

In short, low-average to average credit scores are generally approved for AEO Connected cards and 620 is the absolute minimum.

Pros and Cons of American Eagle Credit Cards

So these credit cards have a handful of appealing rewards and are easy enough to get, but does that make them worth getting? As with any credit card, there are advantages and disadvantages to AEO Connected cards.

Perks of the Connected Cards

Outside of the credits and rewards that AEO cardmembers can automatically count on, there are a couple of notable benefits to having a Connected credit card or Connected VISA.

Extra Access status.
Members that are upgraded to Extra Access status are rewarded just a little extra for their loyalty. Though not much, an additional $5 here and there would add up for frequent shoppers.
Use of cards outside of AEO.
Obviously, this only applies to the Connected VISA, but the convenience of being able to shop with your AEO card outside of AEO is a definite perk. For responsible buyers looking to build their credit and able to stay on top of payments, an AEO VISA is a decent option.

Connected Card Cons

Connected cards have their fair share of disadvantages. Some of the rewards offered to Full and Extra Access customers are decidedly stingy, the cards have high APRs, and the Connected program does not guarantee rewards long-term. These are just a few of the cards’ obvious drawbacks.

1. Discounts can’t be combined. The extra 10% or 15% off that members earn on AEO purchases cannot be combined with other discounts, which would be a huge bummer for some of the thriftier shoppers out there. In addition, there are many stipulations on the “earn free jeans and bras” bonus, like the fact that clearance jeans and bras —discounted at 49% or more off the original price—are excluded from the buy 5 get 1 free deal. Any AEO fan could tell you that jeans and bras are often clearanced, and that this “deal” would soon feel disappointing.

2. Late payments and APR. There are no annual fees for either AEO Connected credit card, but there is a late payment fee of up to $38 and 28.24% APR for either card.

3. Rewards must be used quickly and can’t be replaced. The Connected rewards program is quite restrictive. With a pretty small window for using rewards and a no-replacements policy, many credits and coupons could go unused. If you don’t find yourself shopping at American Eagle or Aerie every 45 days, you stand to lose any rewards you’ve earned.

4. Points don’t rollover. Points earned will not be carried over in the event that American Eagled ends their Connected rewards program and members will not be compensated for leftover rewards, so any point hoarders could suffer significant losses unexpectedly.

Why mention this?

Because ending a rewards program to start another has happened before at American Eagle Outfitters.

The AERewards program, predecessor to the AEO Connected program, was fully replaced in September of 2017. Members were automatically enrolled in AEO Connected and issued final credits, but there is no guarantee that Connected members would be similarly compensated in the event of program termination.

Of course, the Connected program isn’t set to end at this time, so this is only a small possible risk.

How Do AEO Cards Compare?

American Eagle might be able to compete using clever advertising and a solid collection of products, but how do their credit cards compare with other department store credit cards?

Abercrombie & Fitch, Victoria’s Secret, and Gap are just a few of American Eagle’s fiercest competitors. See the table below for an analysis of the competition.

Card	APR %	Rewards Expiration period	Points Per Dollar	Where to Use	CreditKarma User Rating
AEO Connected	28.24	45 days	15	AEO and Aeire	1/5
AEO Connected VISA	28.24	45 days	15	Anywhere VISA is accepted	1/5
Abercrombie & Fitch	26.74	1 year	15	In-store only at Abercrombie & Fitch	3/5
Victoria’s Secret Angel	27.24	90 days	5+	Victoria’s Secret, PINK, Bath and Body Works (in-store)	3.5/5
Gap VISA	27.49	2 years	5	Any GAP brand store (Banana Republic, Old Navy, etc.)	5

Final Verdict: Should You Sign Up?

Is AEO Connected the paperless credit card program you didn’t know you needed? That depends on how often you’re purchasing American Eagle apparel.

For the average consumer, AEO Connected credit cards aren’t the best credit cards out there, but they’re also not the worst. They have higher APRs than their store-brand card competitors and shorter rewards lifespans, but they also make it easy to rack up points. For shoppers with low credit scores that spend a reasonable portion of their money on American Eagle products, these cards are within reach and cost nothing annually, making them a fine option.

That said, you won’t be able to earn cash back or use these cards anywhere you please (unless you get the VISA version). Experienced credit card users that plan to stay on top of their balances will, at the very least, earn a few bucks here and there. Newbies, however, could fall victim to exorbitant interest fees and lose much more than they could gain.

If you do choose to apply for a Connected card, watch out for late fees, foreign transaction fees, and reward expiration dates to make the most of your card.

AmAll in all, most people should look elsewhere for a good credit card. Only those whose closets are filled floor to ceiling with American Eagle-branded merchandise—and who absolutely pay their card balances in full each period—would truly benefit from AEO Connected cards; high APRs and rewards with short shelf-lives should be red flags to anyone that doesn’t fall into that category.