WalletHub Rating
3.3/5
Academy Credit Card has a rating of 3.3/5 according to our proprietary credit card rating system. This rating reflects how appealing Academy Credit Card's terms are compared to a pool of more than 1,500 credit card offers tracked by WalletHub. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is 'Earn Rewards (Store Cards)'. To break it down further, Academy Credit Card earned a score of 5.0/5 for Fees, 3.0/5 for Rewards, 3.3/5 for Cost, and 3.3/5 for User Reviews.Info about the Academy Sports + Outdoors Credit Card has been collected by WalletHub to help consumers better compare cards. The financial institution did not provide the details.
WalletHub Rating Breakdown
User Reviews
3.3/5
308 reviewsRead and write reviews
Editor’s Review
3.2/5
John Kiernan, Credit Card EditorRead full review
Market Comparison
Market Comparison
3.3
The Market Comparison is a key component of the WalletHub Rating, as it measures how appealing the terms of a card are compared to a pool of over 1,500 credit card offers monitored by WalletHub. To ensure cards are evaluated for their most relevant purpose, we score each card across various cardholder needs and select the rating for the need with the highest score, which is “Earn Rewards (Store Cards)” for this card.
Fees
5.0
Rewards
3.0
Cost
3.3
Other Features
0.0
3.3/5
Compared against 1,500+ credit cards
KEY TERMS
Accepted Credit Scores
Accepted Credit Scores
Excellent Credit, Good Credit, Fair Credit
Academy Credit Card Annual Fee
$0
Academy Credit Card APR on Purchases
35.99%
Academy Credit Card Balance Transfer
Balance Transfers Not Allowed
Academy Credit Card 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
Academy Credit Card's Additional Info
Convenience of managing your account on the go with Online Banking.
show more
Learn More
at Comenity Capital's secure site
Academy Credit Card Pros & Cons
No membership fees
$15 discount initial rewards bonus
Qualify with fair credit
High regular APR
Compare The Academy Credit Card vs. Popular Alternatives
 Academy Sports + Outdoors Credit Card |  Prime Visa |  Costco Anywhere Visa® Card by Citi |
|---|---|---|
3.3WalletHub Rating WalletHub Rating 3.3 This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Earn Rewards (Store Cards)." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs. Editor’s Rating 3.2 User Reviews 3.3 Market Comparison 3.3 fees: 5.0 rewards: 3.0 cost: 3.3 Other Features: 0.0 | 4.3WalletHub Rating WalletHub Rating 4.3 This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Earn Rewards." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs. Editor’s Rating 4.2 Market Comparison 4.3 fees: 5.0 rewards: 4.1 cost: 4.5 Other Features: 0.0 | 3.6WalletHub Rating WalletHub Rating 3.6 This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Earn Gas Rewards." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs. Editor’s Rating 4.7 User Reviews 3.6 Market Comparison 3.5 fees: 5.0 rewards: 3.0 cost: 3.6 Other Features: 0.0 |
annual fee$0 | annual fee$0 | annual fee$0 |
rewards rate | rewards rate | rewards rate |
bonus offer | bonus offer | bonus offer |
Purchase Intro APRNot Offered | Purchase Intro APRNot Offered | Purchase Intro APRNot Offered |
transfer intro aprNot Offered | transfer intro aprNot Offered | transfer intro aprNot Offered |
Regular APR35.99% | Regular APR20.49% - 29.24% (V) | Regular APR20.49% (V) |
Sponsored Apply Now | Sponsored Apply Now |
Questions & Answers
Can't find what you are 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 offer. Please keep in mind that it is not a financial institution’s responsibility to ensure all posts and questions are answered. In addition, WalletHub independently collected information for some of the cards on this page.
Most Popular
6
Upvotes
How can I pay my Academy Credit Card?
Reply
6
Ashley Wade, WalletHub Analyst
@shlee
You can make a Academy Sports + Outdoors Credit Card payment online, by phone, by mail or through EasyPay. To pay a Academy Credit Card bill online, log in to your online account and click on “Payments.” Then, choose how much to pay, when to pay it, and where the payment is coming from. Comenity Capital does allow cardholders to set up automatic payments, too.
Ways to Make a Academy Credit Card Payment
- Online: Log in to your online account and click on “Payments” or use the EasyPay feature in order to pay your bill.
- By phone: Call (877) 321-8509 and enter your card information when prompted, then follow the prompts to make a credit card payment.
- By mail: Send a check or money order (but not cash) to
Comenity Capital Bank
PO Box 183003
Columbus, OH 43218-3003.
Make sure to send it early enough that it will arrive by the due date. Write your credit card number on the check, too.
In conclusion, there are multiple ways to make a Academy Credit Card payment, so just choose whichever method is easiest for you. The important part is to not miss payments, as that can seriously damage your credit score.
3
4
Upvotes
How do I apply for the Academy Credit Card?
Reply
4
7
You can apply for the Academy Credit Card either online or in person at your local Academy store. Keep in mind that in-store applications require you to present a valid government-issued photo ID. At the moment, there is no way to submit an Academy Credit Card application over the phone.
The Academy Credit Card requires a credit score of 640, at a minimum. This means you need fair credit or better to get approved. If you don't know where you stand, you...
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1
1
1
Upvote
How do I cancel my Academy Credit Card?
Reply
1
Maria Adams, Credit Cards Moderator
@m_adams
You may cancel your Academy Credit Card either online or over the phone at(877) 321-8509. Alternatively, you can cancel your credit card by mail.
Be aware that if there's a balance remaining on the canceled account, you will still need to make at least the minimum payment every month until the balance is paid in full. In addition, any unused discounts will be forfeited, so be sure to redeem them before you cancel the card....
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Upvotes
How can I check my Academy Credit Card balance?
Reply
Maria Adams, Credit Cards Moderator
@m_adams
To check your Academy Credit Card balance, log in to your online account or call credit card customer service at (855) 506-2496. The fastest way to check your Academy Credit Card balance is online, since you won't ever need to wait for an available representative.
How to Check Your Academy Credit Card Balance
- Online: Log in to your online account to see your balance.
- Over the phone: You can give customer service a call at (855) 506-2496 or the...
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21
Upvotes
What credit score do you need for the Academy Credit Card?
Reply
21
12
Chip Lupo, Credit Card Writer
@CLoop
The Academy Sports + Outdoors Credit Card credit score requirement is 640 or better. That means people with fair credit or better have a shot at getting approved for the Academy Credit Card.
You should note that while your credit score is an important factor, there are plenty of other things that will impact your chances of being approved for the Academy Credit Card, too. Some other key criteria include your income, existing debt load, number of open accounts, recent credit inquiries, employment...
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Upvotes
What can I do if I lost my Academy Credit Card?
Reply
Maria Adams, Credit Cards Moderator
@m_adams
If you lost your Academy Credit Card, you should report it immediately by calling customer service at (855) 506-2496. The issuer will request some security information in order to verify your identity before sending a replacement. You cannot report your lost card online.
How to Report a Lost Academy Credit Card
- Call the Academy Credit Card customer service at (855) 506-2496.
- Inform the customer service representative that you've lost your credit card.
- Provide the requested information, like your...
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1
Upvote
How do I check my Academy Credit Card application status?
Reply
1
Chip Lupo, Credit Card Writer
@CLoop
You can check your Academy Credit Card application status by calling 1-877-321-8509. When you call, you'll need to provide your name, address, birthday and the last 4 digits of your Social Security number so that Comenity Capital can match you to your application. Comenity Capital does not allow you to check your application status online.
How to Check Your Academy Credit Card Application Status
- Call 1-877-321-8509.
- Follow the automated prompts that lead to an application...
show more
Upvotes
What does it mean if my Academy Sports Credit Card application is under review?
Reply
Maria Adams, Credit Cards Moderator
@m_adams
If your Academy Credit Card application status is under review, that means your application has not yet been approved or denied. Don't read too much into it, though. You'll hear back within 7-10 business days of applying in most cases, when you don't receive a decision instantly.
Unfortunately, you cannot check the status of your Academy Credit Card application. You will have to wait until you receive the issuer's decision on your application, by mail. While you wait...
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20
Upvotes
How can I earn points at gas stations with my Academy Credit Card?
WalletHub
@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, along with points earned in other purchase categories.
You can view and manage your rewards online or obtain additional information by contacting the U.S....
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5
9
Upvotes
Can I buy firearms with the Academy Credit Card?
Reply
9
Alex Magnusson
@alex1c3
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.
1
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Academy Credit Card Reviews
Share your insights and review for the Academy Sports + Outdoors Credit Card
5
17%
4
28%
3
35%
2
7%
1
13%
3.3
308 reviews
308 reviews
What's Your Rating?
Most Recent
Caroline Locker
@clocker12291
1 Star Rating
Horrible. I was trying to build credit and had a record of paying off my $26.87 balance. Then, two months later, they charged me $96 in late fees. I literally used it once, and when I checked my credit, I saw a decrease. They never notified me or anything. I immediately disputed this through Credit Karma and the academy, and closed my academy account, or so they said.
Comment
Brian Shumans
@bashumans
1 Star Rating
After three years of using the card and paying on time, with a 750 credit score, they arbitrarily raised my interest rate to 35.99%. When I called and complained, they said, "There's nothing we can do." I will pay off the remaining balance and close the account. I'm done with this. Awful card! Don't do it!
Comment
1
Robert Ontiveros
@drillbitter73
1 Star Rating
Trash. Didn't even get an email and they charged my $0 balance. I am so annoyed with this company; I got charged $66, and the people work in India. I respect many cultures, but this is so off-script with them. I am tired of this company and the call centers.
Comment
Caroline Locker
@clocker12291
Same here used once all paid off then have a $96 charge..
Comment
Vesi Kay
@vkaynarova
1 Star Rating
This is the worst place to get credit. I closed my account in May, paid the whole amount, and they are still mailing me bills claiming I have to pay more money. I have never seen such a bad company with the worst customer service. I don’t know if the company is broke, but they need to stop robbing people.
Comment
Collin McMiillion
@MacMcMillion
1 Star Rating
Do not get this card! I paid my account off in full, and they still added $2.00 to my account without informing me, even though I have paperless billing where they are supposed to notify me of any payments due. The only way I found out was by getting notified by a different card company that my credit score had dropped from 700 to 608. This significant drop occurred because Academy's bank, Comenity Capital, reported me as being a month past due. I have never been late on anything, yet they also decreased my credit limit to almost nothing. I don't care because I will never deal with Academy again. All this trouble over $2.00. I hope the Attorney General can resolve this issue.
Comment
2
anjellenee
@anjellenee
Similar issue. This card is a predatory scam!
Comment
Caroline Locker
@clocker12291
Same here they are scammers
Comment
Marcus Henderson
@marcushenderson
1 Star Rating
I wouldn't advise anyone to use this company! Every time you make a payment on the due date, it's considered late. They canceled my card after 6 months of having it, with no warning whatsoever. I tried to use it, and it just kept declining. This is the second time this has happened with this bank. If I had known that academy sports uses them for their credit service, I would have declined the offer. All the people who said this is a great card to use are not telling the truth.
Comment
2
Caroline Locker
@clocker12291
Or before the due date.. happend to me too and an extra $96 charge makes me feel like we can't have any credit cards nowadays
Comment
Katherine L House
@lorescalf
5 Star Rating
Best card - great purchases with awesome price- we have had this card for 2 plus years and love the store. Great gifts for a awesome discount
Comment
1
Anthony
@coroner5150
1 Star Rating
So many problems with the app. Can't pay bill or login half the time. Just not gonna use my card no more. I'll just get what I really need in person
Comment
2
Caroline Locker
@clocker12291
I would cancel bc I paid my card off and didn't use it for 2 months and they came at me with a $96 charge saying I didn't pay my balance when I literally have the record and withdrawl of paying it they are scammers cancel now
Comment
Ed Landrum
@itsjustmemred
1 Star Rating
I bought a one time purchase from them. Paid online. Then got a bill? With the original purchase price. plus late fees. I sent them my bank statement where they took out money they said they never received it charge me another late fee. I even had my banks in the statement still charge late fee I think it's embezzlement going will not ever use the credit card again. I cut it up. Never get a academy credit card !!! Unless you want to get ripped off!!!
Comment
1
Caroline Locker
@clocker12291
Me too I disputed and told them to close my account
Comment
Barbara Sokol
@barbaras_174
1 Star Rating
Do not care for this company. Too expensive, poor service, poor quality. Just a big disappointment. Have no longer use for this store at this time. Happy to have paid it off entirely.
Comment
2
Caroline Locker
@clocker12291
Sorry you paid it off they probably charged you random items you didn't even owe
Comment
Review Academy Sports + Outdoors Credit Card
Academy Sports + Outdoors Credit Card
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* The information about the following cards has been independently collected by WalletHub: Victoria's Secret Credit Card, L.L.Bean Credit Card, Dicks Credit Card, Sportsman's Warehouse Credit Card, and Academy Sports + Outdoors Credit Card.
