How can I check the status of my application?
4
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WalletHub
The easiest way is to call U.S. Bank's customer service at 888-852-5786. Fingers crossed!
Sportsman's Warehouse Credit Card
Sportsman's Warehouse Credit Card
Info about Sportsman's Warehouse Credit Card has been collected by WalletHub to help consumers better compare cards. The financial institution did not provide the details.
RewardsAPRReviewsQ&AContactRewardsAPRWalletHub ReviewQ&ACustomer Reviews
Accepted Credit Scores
Accepted Credit Scores
Excellent Credit, Good Credit
Annual Fee
$0
Rewards
Earn 5,000 bonus points (redeemable for a $50 gift card) when you spend $500 outside Sportsman’s Warehouse within 120 days of account opening.
Open and use a Sportsman's Warehouse Credit Card today and get 15% off your online purchase now.
Earn 5 points per eligible net $1 spent at Sportsman's Warehouse or Sportsmans.com. Earn 2 points for every $1 spent at gas stations, home improvement merchants and campgrounds.
Earn 1 point per eligible net $1 spent everywhere else Visa Cards are accepted.
Keep your points as long as you earn one point every 12 months, and there's no cap on how many you can earn.
You can redeem points for gear and you can start redeeming when you have at least 1 available point.
APR on Purchases
19.49% - 28.49% (V)
Balance Transfer
APR: 26.99%
Balance Transfer Fee
WalletHub Review
Sportsman's Warehouse Credit Card Pros & Cons
No membership fees
High rewards rate
5,000 points + 15% discount initial rewards bonus
No intro APR on purchases
No intro APR on balance transfers
Foreign fee
Requires good/excellent credit
Sportsman's Warehouse Credit Card's Additional Info
| cash advance fee | 5% (min $10) |
| cash advance APR | 29.49% (V) |
| foreign transaction fee | 3% |
| smart chip | Yes, chip-and-signature |
| max late fee | $41 |
| max overlimit fee | $0 |
| max penalty APR | None |
| grace period | 25 days |
If you do not qualify for the Visa Card, you may be considered for, and receive, the Credit Card, used exclusively at Sportsman's Warehouse.
Exclusive deals and special offers for cardmembers.
Questions & Answers
Can't find what you are looking for? Submit your question about Sportsman's Warehouse Credit Card to our community. Editorial and user-generated content is not provided, reviewed or endorsed by the issuer of this card.
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Telephone number for a stolen credit card
4
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WalletHub
You can call customer service at 800-285-8585 and report a stolen card.
Can I use my Sportsman's Warehouse Credit Card anywhere?
3
UpvotesReply
Bradley Gray
The Sportsman's Warehouse Credit Card can be used anywhere. It's a Visa and those work virtually everywhere.
Is there any way to pay online?
3
UpvotesReply
What's the starting credit limit for the Sportsman's Warehouse Credit Card?
2
UpvotesReply
Zora Anaya
The starting credit limit for the Sportsman's Warehouse Credit Card can be as low as $100. But the better your credit score and creditworthiness, the higher your credit limit will be.
After at least 6 months of account opening, you may be eligible for a credit limit increase. You...
How can I pay my Sportsman's Warehouse Credit Card?
1
UpvoteReply
John Miller
The easiest way you can pay your Sportsman's Warehouse Credit Card is online, by either signing in to your account or by using EasyPay as a guest. But that's not the only way you can make a payment.
Here's How You Can Pay Your Sportsman's Warehouse Credit Card
- ...
How much is the Sportsman's Warehouse Credit Card minimum payment?
1
UpvoteReply
John Miller
Your Sportsman's Warehouse Credit Card minimum payment is $30 or 1% of the statement balance plus any past due or credit plan amounts, whichever is higher. If the new balance on your statement is less than $30, the minimum payment is the new balance.
Here's How the Sportsman's Warehouse...
How can I add a Sportsman's Warehouse Credit Card authorized user?
1
UpvoteReply
John Miller
To add a Sportsman's Warehouse Credit Card authorized user, call customer service at (844) 271-2629. You will need to provide personal information in order to add someone as an authorized user. You can add an authorized user for the Sportsman's Warehouse Store Card too, in the same way.
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Does the Sportsman's Warehouse Credit Card do a hard pull?
1
UpvoteReply
Maria Adams
Yes, the Sportsman's Warehouse Credit Card does do a hard pull when you apply. You need a credit score of at least 700 to get it.
The same applies for the Sportsman's Warehouse Store Card, with the exception that this card also accepts applicants with a credit score...
Can I use my Sportsman's Warehouse Credit Card instantly after approval?
1
UpvoteReply
Lisa Cahill
Yes, you can use your Sportsman's Warehouse Credit Card instantly after approval, but only to make one purchase from Sportsman's Warehouse, if you apply in store or online. You will also be able to receive a first purchase discount as well.
Keep in mind that you won't be able...
Compare The Sportsman's Warehouse Credit Card
Purchase Intro APRNot Offered
Purchase Intro APRNot Offered
Purchase Intro APR0% for 12 months from account opening
Transfer Intro APRNot Offered
Transfer Intro APR0% for 12 billing cycles|Transfer Fee: $0
Transfer Intro APRNot Offered
Regular APR19.49% - 28.49% (V)
Regular APR12.75% - 18.00% (V)
Regular APR19.74% - 29.74% Variable
Rewards Rate1 - 5 points / $1
Rewards Rate1 - 2 points / $1
Rewards Rate1 - 3 points / $1
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Sportsman's Warehouse Credit Card Reviews
Share your insights and review the Sportsman's Warehouse Credit Card
3.2
186 reviews
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1 Star Rating
My Review is "Just read The BBB Complaints" They go on and on and on! I read them after getting approved for $2,400... The biggest mistake in my life, "And I will never use this card ever, not after reading the complaints at the BBB. My advice, "Stay the heck away from this card!
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1 Star Rating
Today 10-8-22 I got a call from the bank Sportsman's Warehouse credit cards are with.
The very rude woman told me that i had a missed payment and late fees???
So, I went to my records, and this is how the conversation went-
Me; "No, I paid that on September 2nd"
Rude Lady: "That was for August"
Me: "What happened to August's payment?"
Rude Lady: "We received it, so in August you paid $175.00"
Me; "What?? I made a $100.00 payment in August & a $75.00 payment in September"
Rude Lady: "The payment you made was in the August cycle- If you had made the payment on the 3rd instead of the 2nd it would have been in September cycle. So now you missed a payment and owe a late fee"
Me: "So, just because it was PAID SEPTEMBER 2nd, you COMBINED 2 SEPARATE PAYMENTS, MADE IN TWO SEPARATE MONTHS, you are charging me late fees AND counting this as a MISSED payment?"
Rude Lady: 'Yes, because you didn't do your job right"
Me: "I made my payments based on my paydays, and they WERE made during two separate months, and should be counted as such"
Rude Lady: "You didn't make the payment at the right time, you owe late fees, that's why we are calling you"
Me; CLICK!
DO NOT GIVE THESE PEOPLE YOUR MONEY!
FIND A CARD THAT TREATS YOU FAIRLY AND DISTRIBUTES YOUR FUNDS CORRECTLY-
EXPLORE REWARDS AND THEY'RE BANK WILL STICK A KNIFE IN YOUR BACK, AND SCREW YOU OUT OF YOUR HARD-EARNED MONEY!!!
The very rude woman told me that i had a missed payment and late fees???
So, I went to my records, and this is how the conversation went-
Me; "No, I paid that on September 2nd"
Rude Lady: "That was for August"
Me: "What happened to August's payment?"
Rude Lady: "We received it, so in August you paid $175.00"
Me; "What?? I made a $100.00 payment in August & a $75.00 payment in September"
Rude Lady: "The payment you made was in the August cycle- If you had made the payment on the 3rd instead of the 2nd it would have been in September cycle. So now you missed a payment and owe a late fee"
Me: "So, just because it was PAID SEPTEMBER 2nd, you COMBINED 2 SEPARATE PAYMENTS, MADE IN TWO SEPARATE MONTHS, you are charging me late fees AND counting this as a MISSED payment?"
Rude Lady: 'Yes, because you didn't do your job right"
Me: "I made my payments based on my paydays, and they WERE made during two separate months, and should be counted as such"
Rude Lady: "You didn't make the payment at the right time, you owe late fees, that's why we are calling you"
Me; CLICK!
DO NOT GIVE THESE PEOPLE YOUR MONEY!
FIND A CARD THAT TREATS YOU FAIRLY AND DISTRIBUTES YOUR FUNDS CORRECTLY-
EXPLORE REWARDS AND THEY'RE BANK WILL STICK A KNIFE IN YOUR BACK, AND SCREW YOU OUT OF YOUR HARD-EARNED MONEY!!!
Comment
I hate to upset you further but that’s the way it works with every card. Make sure you are making another payment AFTER your statement for the present month prints, or you will have to make another payment. The different months you paid do not matter. The determining factor is your statement cycle which is printed on every statement. ………Example… OCT STATEMENT prints on Oct 11… Payment due by Nov 4…. THOSE DATES ARE YOUR BILLING CYCLE. You make your payment on Oct 25 and then you make another payment on Nov 3, before your Oct. billing cycle ends…. BOTH of those payments were made in ONE billing cycle. It does not matter that one payment was in Oct and the other in Nov. YOU will have to MAKE A NEW PAYMENT IN YOUR NEXT BILLING CYCLE OR YOU WILL BE LATE AND CHARGED A LATE CHARGE. Based on personal experience, I recommend that you kindly call and ask to speak to a supervisor and explain the situation and that you did not understand billing/statement cycles. Ask the supervisor to explain it to you. Then ask for a credit of the late fees. Most banks will give a one time courtesy credit. After you have established a good payment history they will help in unusual situations. Personally, I am not a fan of Comenity Bank. I hope this helps. Best of luck and remember to be kind/nice. If the agent doesn’t want to give you to a supervisor, nicely insist, say thank you, then say nothing, and wait to be transferred. If the agent hesitates again and wants to personally help you say, “I would like to speak with a supervisor please… thank you” ……. then say nothing. (Stick to your guns. Supervisors have more decision making options than the front line customer service agents.)
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1 Star Rating
Not really about keeping customers. I paid off my entire $270 balance and it came one day late. Charged me a late fee. I asked for a refund, because it ended up being $60, they said no. I'll just take my business elsewhere. Love the store, but their credit card service sucks. Mail lateness due to covid is not my fault. I'll be calling before the next late fee to make sure they received my check. Not worth the sign up or the hassle
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1 Star Rating
Just applied for the credit card and the discount on my purchase. I was approved instantly and it showed in the checkout window but when I went to purchase I was bounced back to a page wanting CC info and a higher price. I have not received any emails from the bank and no return from Sportsmans Warehouse. Is this some sort of scam ? The purchase I wanted to make will most likely not happen now. Disappointing to say the least .
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Exactly what happened to me! So I called and was told that, that happens and that I should wait for the card to arrive... What the heck! Was approved for $2,400, but I do not believe I will ever use it! Just read the complaints at the BBB, I wish I never applied!!!!
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1 Star Rating
I would give them 0 stars if the review allowed it. I was told i would receive a promotional 0% deferred interest with required payments (Much like Lowe's does) depending upon amount purchased. When i made my purchase, $600.00+ I asked the associate about it, he knew nothing, said I needed to ask the credit card company. Long story short, they refused to do anything, even though their card pamphlet specifically says that they offer this promotion. I was told that because it is worded "MAY be automatically placed on a promotional rate" and that their investigation didn't find a rate being offered by the store when I made the purchase, they would not do anything. The local store manager in Kentucky was very nice, obviously he has no control over an outside bank's business dealings, and did tell me that Sportsman's Warehouse has been through 5 different banks in the past 3 years. COMENITY BANK is a bunch of shyster shmucks. Sportsman's Warehouse is great, but don't expect the bank to honor anything they say.
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1 Star Rating
Horrible and extremely slow customer service, they have no phone app and you cannot set up recurring automatic payments. I have been trying to dispute a duplicate charge for over 3 months. Cannot wait until I pay it off and cancel it.
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1 Star Rating
Horrible experience with the Applied for the card, said I could use in store that day, could not! Called the next day they said yes you can just give them your id. NOTHING did not work called again, said call when at the store. So I called and they said there was nothing they could do! So I would highly recommended not using this horrible so called company! Every time I called it would be a different answer! This company is trash! 0/5 stars if I could!
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3 Star Rating
The Sportsman's Warehouse Credit Card is something you'd most likely use if you're a frequent buyer of the Sportsman's Warehouse store chain. The Rewards are good with an initial bonus of 1000 points and a base/max earn of 1 pt/$1. And you earn points for whenever you buy any sports/hunting gear at any Sportsman's Warehouse Location. When you hit 2,500 points, you get a $25 gift card. The Purchase, Balance Transfer, and Cash Advances are nothing to talk about since they're pretty average. But the good thing about this card is that there's 100% Fraud Protector, $500,000 coverage of Travel Accident Insurance, and Auto Rental Insurance. Comparing this to Walmart's Store Card, it's definitely better with more perks, but the Walmart Card has no annual fee and has discounts on its prices for credit card users.
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3 Star Rating
Sportsman's Warehouse Credit Card is basically a chain rewards card, great to use if you're a frequent shopper to this venue. You get 3% spent at the store on their products, but then 1% on outside purchases, so you can still rack up the points to buy what you want later on. On top of that you get a $25 gift card to the store once you hit 2,500 points without withdrawing your own points(you even get 1,000 initial points). Your APR will depend on your credit score, there is no low "intro" rates or balance transfers. So its just a basic credit card for you to have at your favorite store.
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I don't know where you get your info, but you sound like the credit card company, peddeling lies they don't keep!
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4 Star Rating
The Sportsman's Warehouse Credit Card appears fairly standard to me... the grace period seems to be in line with what other cards offer and the late fee seems to be par with other cards. The rewards system favors the merchant who issued the card, offering more points per dollar spent at their location as opposed to one dollar per point at others. The interest rate is also on par with other cards. The one thing that I think detracts from the value of the card is the lack of balance transfers and the lack of a lower introductory rate; these two things could be a factor in deciding between this card and another.
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Offer last updated: Mar 27th, 2023 at 10:35 ET
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PURCHASE INTRO APR
Not Offered
TRANSFER INTRO APR
0% for 12 billing cycles $0 Transfer Fee
REGULAR APR
12.75% - 18.00% (V)
ANNUAL FEE
$0
REWARDS RATE
1 - 2 points / $1
BONUS OFFER
20,000 points
MINIMUM CREDIT