Compare Credit Cards Comenity Bank Credit CardsAd Disclosure

Academy Sports + Outdoors Credit Card

Academy Sports + Outdoors Credit Card

Rewards264Reviews33Q&AContact

Excellent Credit, Good Credit, Fair Credit

Annual Fee

Rewards

Get $15 off of your first purchase of over $15. Valid one time only. Terms apply.

Get 5% off future purchases online & in-store every day. Terms apply.

Free standard shipping on Academy.com orders of $15 or more

APR on Purchases

27.24% (V)

Balance Transfer

Balance Transfers Not Allowed

Editor's Take

Academy Sports + Outdoors Credit Card Pros & Cons

No membership fees

$15 discount initial rewards bonus

Qualify with fair credit

No intro APR on purchases

High Regular APR

Academy Sports + Outdoors Credit Card's Additional Info

cash advance fee

N/A

cash advance APR

N/A

foreign transaction fee

N/A

smart chip

max late fee

$41

max overlimit fee

max penalty APR

None

grace period

25 days

Convenience of managing your account on the go with Online Banking.

Questions & Answers

Don't see what you're looking for? Submit your question about Academy Sports + Outdoors Credit Card to our community. Editorial and user-generated content is not provided, reviewed or endorsed by the issuer of this card.

How can I pay my Academy Credit Card?

Upvotes

Ashley Wade, WalletHub Analyst

Academy Credit Card customers can make a payment online or over the phone. To pay your Academy Credit Card bill online, log into your account on Comenity Bank's Academy portal. Navigate to the “Payments” section and add your bank account and routing number. Then, choose your payment date and payment amount.

To make your Academy Credit Card payment over the phone, call the number on the back of your credit card and enter your credit card number when prompted. You should be able to make a payment through the automated system. But you can also opt to speak to a customer service rep who can handle processing your payment.

View more answers

How do I apply for the Academy Credit Card?

Upvotes

WalletHub

You can apply for the Academy Sports + Outdoors Credit Card through Academy's website, or by filling out an application at your local Academy store. Keep in mind that in-store applications require you to present a valid government-issued photo ID. Unfortunately, phone applications are not possible for the ... show more

What credit score is needed for the Academy Credit Card?

Upvotes

WalletHub

The minimum score required to qualify for the Academy Sports + Outdoors Credit Card was 700, which is at the bottom of the good credit range. The card is no longer available to new applicants, but you have some interesting options if you have good credit.

With that... show more

How can I earn points at gas stations with my Academy Credit Card?

Upvotes

WalletHub

With the Academy Credit Card, you will automatically earn 2 points per $1 spent at gas stations (up to $150 spent per billing period) when using this card. In other words, if you charge $30 of gas to this card, 60 points will be added to your overall rewards balance,... show more

Can I use my credit card immediately?

Upvotes

WalletHub

You can use your card immediately after receiving it in the mail and activating it. It will take between 7-10 business days to get your new credit card. Best of luck!

Can I buy firearms with the Academy Credit Card?

Upvotes

Alex Magnusson

It is possible to buy firearms with the Academy Credit Card.

Of course, you will have to fill out a 4473 form and they will do a background check on you before they sell you a firearm, just like if you pulled cash out of your pocket.

Are there any 0% interest deals?

Upvotes

Can I pay my Academy Credit Card in store?

Upvotes

Patrick Murphy, WalletHub Analyst

No, you cannot pay your Academy Credit Card in-store.

However, you can make a payment online or over the phone. To pay your Academy Credit Card bill online, log into your account on Comenity Bank's Academy portal. Navigate to the “Payments” section and add your bank account and... show more

Does the Academy Credit Card report to all credit bureaus?

Upvotes

Toby Townsend

The activity on your Academy credit card will be reported to all credit bureaus on a monthly basis.

How much is the Academy Credit Card minimum payment?

Upvotes

Emily Wagner

The Academy Sports + Outdoors Credit Card's minimum payment is either $29 or 5% of your balance plus any past due amount, whichever is greater. You can find your card's exact minimum payment on your monthly statement.

By paying the monthly minimum, you can keep your account in... show more

Compare The Academy Sports + Outdoors Credit Card

Academy Sports + Outdoors Credit Card

Capital One Walmart Rewards® Mastercard®

Capital One Platinum Credit Card

(264)

(1,038)

(5,257)

Purchase Intro APRNot Offered

Transfer Intro APRNot Offered

Regular APR27.24% (V)

Regular APR17.99% - 26.99% (V)

Regular APR26.99% (V)

Rewards Rate5% discount

Rewards Rate1 - 5% Cash Back

Rewards RateNone

Apply Now

Academy Sports + Outdoors Credit Card Reviews

Share your insights and review the Academy Sports + Outdoors Credit Card

3.4

What's Your Rating?

Ivette
April 1, 2022 • @ivetter

I called Academy Sports customer service about decreased my credit limit and they didn't know why, they blamed the credit bureau and hang up on me. I always have pay my bill on time . I don't recommend Academy sports.

Comment

nnoel61811
April 5, 2022 • @nnoel61811

This recently happened to me too yet they gave me a new card a month ago for over double the limit of the card they decreased. They hurt your credit score more than they help it. I closed all three of my accounts with them today.

Comment

jasonpierce31
January 19, 2022 • @jasonpierce31

NOT WORTH HAVING! You get almost no benefit. 5% negated by the stupid MINIMUM INTEREST CHARGE (even paying off every month!)!!!!!

Comment

miamimac2121
March 6, 2022 • @miamimac2121

What do you mean even if you pay it off every month? Are you sure you're paying it before the due date?

Comment

Christina Burchett
July 26, 2021 • @cburchett

Academy worker talked my husband into signing up to see if he qualified. He paid for
his purchase that day with our usual debit card and I have proof of that transaction. We got the academy credit card in the mail a couple weeks later but never even activated it. Started getting bills and tried to tell them we hadn't used it. They reported us to the credit bureaus so it's on his report. I just paid the $100 they say we owe now just to get them to leave us alone.

Comment

aamartinez009
April 15, 2021 • @aamartinez009

Not too sure I’d recommend. Tried making my first 2 online payments out of convenience, for one reason or another they both returned. Not too sure why because I used the same card in store to pay off the card in full after a large purchase so it couldn’t have been my bank declining the payments. I can only assume maybe I typed in my card number wrong but you’d think it would automatically decline the payment outright? Regardless, Comenity froze my academy account for 90 days or after 3 consecutive on-time payments to clear the suspension. But my account was paid off so it was still frozen for 90 days and the incident was sent to the credit bureaus, despite Comenity receiving their payment before my payment due date. Just be cautious if you’re making an online payment.

Comment

Barry
April 3, 2021 • @barryw_33

Verified Customer

Lower interest than most and has rewards can be used anywhere, just stay on top of the spending and pay off before you get too much of a credit

Comment

georgiiiboi
March 31, 2021 • @georgiiiboi

Terrible deal for a credit card I don't recommend it at all I've had 3 others all with better deals. 15$ off your first purchase is NOT a good deal! How about 15 months no interest! They use it as a strategy to get you signed up so they can start charging you fees. DON'T GET THIS CARD

Comment

miamimac2121
March 6, 2022 • @miamimac2121

I'm so confused it's simple? Don't get charged fees just simply pay it off on time

Comment

Thomas Derryberry
March 1, 2021 • @tad922a

This card website is very poor and has caused me 1 late payment. Closing this account because of that..

Comment

miamimac2121
March 6, 2022 • @miamimac2121

How did it cause you a late payment?

Comment

Marcus
January 19, 2021 • @jacknife_3030

It would be better if they had an app to pay your payments. The easy at the check-out signup was very convenient.

Comment

Tristan Smith
December 15, 2020 • @nikkismith1225

Seriously the WORST CREDIT CARD COMPANY YET. I DO NOT RECOMMEND. I've barely had it a month and I'm FED UP. I'm paying what I used on it. Including 60 DOLLARS extra they charged me. And never using them again. *** I choose 0 stars, but they make you put at least one.

Comment

William Reyes
August 19, 2013 • @williamreyesn

The Academy Credit Card offers a lot of perks from the moment you sign up such as the initial $15 off your purchase and it keeps giving you points for extended use. I also like the fact that you can use this card for in-store and online as well. The Cabela's Credit Card requires you to complete 5 purchases for a similar initial reward. In addition, you also get a $25 gift card for every 2500 points (5 points for every $1 spent in the store) which is very convenient. Overall, this card offers many features, a low interest rate, and low or non-existent annual fee for regular Academy customers with good credit score.

Comment

Review Academy Sports + Outdoors Credit Card

WalletHub is an independent comparison service.

We work hard to show you up-to-date product terms, however, this information does not originate from us and thus, we do not guarantee its accuracy. When you click "Apply Now" you will be directed to the offering institution's website. In addition, keep in mind that actual rates and other information may vary for a number of reasons including the applicant's' creditworthiness and differences between an individual's situation and the criteria/assumptions used to generate the information displayed. Before submitting an application, always verify all terms and conditions with the offering institution. Please let us know if you notice any differences.

Ad Disclosure: Offers originating from paying advertisers are noted as “Sponsored” at the top of this page. Advertising may impact how and where offers appear on this site (including, for example, the order in which they appear). At WalletHub we try to present a wide array of offers, but our offers do not represent all financial services companies or products.

Irrespective of whether an offering institution is a paid advertiser, the presence of offer information on WalletHub does not constitute a referral or endorsement of the institution by us or vice versa. Furthermore, offers have not been reviewed or approved by the offering institution. Information is displayed first and foremost to help consumers make better decisions.

Editorial Disclaimer: Editorial and user-generated content on this page is not provided, commissioned, reviewed, approved or otherwise endorsed by the issuer. In addition, it is not the issuer’s responsibility to ensure all posts and/or questions are answered.

Academy Sports + Outdoors Credit Card

Academy Sports + Outdoors Credit Card

Accepted Credit Scores

Annual Fee

Rewards

APR on Purchases

Balance Transfer

Editor's Take

Academy Sports + Outdoors Credit Card Pros & Cons

Academy Sports + Outdoors Credit Card's Additional Info

Questions & Answers

Compare The Academy Sports + Outdoors Credit Card

People Also Apply For

Related Credit Card Categories

Academy Sports + Outdoors Credit Card Reviews

What's Your Rating?

People Also Apply For

Related Credit Card Categories