Jason Miles, Wallethub Credit Card Consultant
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Yes, the Academy Credit Card does a hard pull on your credit reports. Having said that, you will need a credit score of 640+ to get it. This means that this card requires at least fair credit.
A hard pull usually causes an applicant's credit score to drop by 5-10 points. Most people’s scores bounce back within 3-6 months with responsible credit management, but it can take up to 12 months. You can learn more about how to minimize the credit score damage by reading this article.
Lastly, while you cannot prequalify for the Academy Credit Card, you can check your credit score for free on WalletHub to see where you stand.
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