The
Academy Sports + Outdoors Credit Card is a good credit card to consider if your credit score is
640 or higher and you shop at Academy Sports + Outdoors on a regular basis. The
Academy Credit Card is worth getting thanks to its
$0 annual fee and attractive rewards, which include 5% off purchases. You just need to be capable of paying your bill in full monthly, as the card’s high APR will cost you money otherwise.
What I Like About the Academy Credit Card
$15 discount
You can get
$15 discount on your first purchase over $15 the day you’re approved for your
Academy Credit Card. That definitely isn’t the biggest bonus on the market, even among store credit cards specifically, but it could get you nearly 100% back, which is nothing to sneeze at. Just be sure to apply and make your purchase during the same browser session if you get the card online.
5% discount on purchases
Like the best store credit cards on the market, the
Academy Credit Card saves you 5% on all purchases. That’s around five times more than the average rewards card will save you.
$0 annual fee
A
$0 annual fee is standard for a store credit card, but it still saves you
$26.75 per year compared to the average credit card offer, according to WalletHub’s
Credit Card Landscape Report.
Free shipping
When you make a $15+ purchase from academy.com using your
Academy Credit Card, you get free standard shipping. That can save you a lot of money over time if you frequently shop online.
Available to people with fair credit
Like with other store credit cards, you only need fair credit to qualify for the
Academy Credit Card. This makes it possible to earn elite rewards at one of your favorite stores before you’ve fully proven yourself as a borrower. Using the card responsibly can also help you improve your credit score.
Based on our research, you should have a good chance of being approved for the
Academy Credit Card if your credit score is
640+. If you don’t know what your score is, you can
get your free credit score right here on WalletHub.
What I Don’t Like About the Academy Credit Card
32.99% (V) APR
This high interest rate is the worst thing about the
Academy Sports + Outdoors Credit Card. It’s way higher than average, both among store cards specifically and compared to general-purpose credit cards. The card’s APR will apply if you carry a balance from month to month, so it’s important that you pay your bill in full monthly if you get this card. You’re unlikely to save money with this card if you consistently pay interest.
Only works at Academy Sports + Outdoors
The
Academy Credit Card is a store credit card, which means it’s limited to in-store and online purchases from Academy Sports + Outdoors. As a result, it shouldn’t be the only credit card in your wallet. If you’re interested in exploring alternatives, you can check out our picks for the
best credit cards for shopping.
Note: This review is not provided, commissioned or endorsed by any issuer. Opinions and ratings are our own.