Academy Credit Card

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academy credit card
Required Credit Score:
Excellent, Good
3.5 216 reviews   Write a Review!
Existing Cardholders

Academy Credit Card’s Rewards

$15+1000 points
Base Earn
1 point / $1
Max Earn
5 points / $1
Earn / Redeem Limit
  • 1,000 Bonus Points after your first purchase.
  • $15 off today’s purchase when you open an account in-store or via mobile app or online.
  • Earn 5 Rewards Points for every $1 spent at Academy Sports + Outdoors and
  • Earn 1 Rewards Point for every $1 spent on everyday purchases everywhere else Visa is accepted
  • Receive a $25 Academy Sports + Outdoors Rewards Card every time you reach 2,500 Rewards Points

Academy Credit Card’s Key APRs & Fees

Intro Rate on Purchases
Not Offered
Intro Rate on Transfers
Not Offered
Regular Rate
11.24% - 23.24% (V)
  • ANNUAL FEE $0 - $29

Academy Credit Card’s Additional Info

  • MAX LATE FEE   $35
  • GRACE PERIOD   24 days
  • CASH ADVANCE RATE 23.99% (V)
  • CASH ADVANCE FEE 3% (min $10)
  • Rewards Cards can be used on any Academy Sports + Outdoors purchase in-store or online
  • 24-hour Visa concierge service.
  • Signature privileges, including travel, dining, sporting, entertainment, and shopping offers and savings.
  • Zero Fraud Liability Protection, Accidental Insurance, Warranty Manager, Travel and Emergency Assistance, Auto Rental Collision Damage Waiver and Travel.
  • If you do not meet the criteria for the Visa Signature® card, you will be considered for the Visa® Select Rewards card. The Select Rewards card has an annual fee of $0 or $29, based on your creditworthiness when you open your account.
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Academy Credit Card Reviews

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Overall Rating: 3.5 / 5
Total Ratings: 216
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Aug 19, 2013
Photo of William R.
Aug 19, 2013
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.
Aug 15, 2013
Photo of Craig G.
Aug 15, 2013
The Academy Credit Card looks great with an initial bonus of $15 simply for using the card. The two levels of rewards are also nice with the possibility to earn between one and five points per dollar. The ability to earn gift cards is nice as well, especially if you are an outdoors person. The cash advance fee is high though the actual interest rate is low. Overall, I think that this card could use better benefits, especially if you have good credit. I think that this would be a great card if you have less than perfect credit, but if you have good credit, there are other good cards more
Aug 12, 2013
Photo of Edward D.
Aug 12, 2013
If you are a sporting enthusiast and make a lot of purchases with Academy, the Academy Credit Card is actually a great credit card for you. 5 points per dollar is great and above the standard double points, and you get a $15 gift card just for opening an account which is a great bonus. Every 2500 points nets you a $25 gift card also. One thing that most cards from stores do not have but this does, is a 0% APR for 12 months. That alone makes it worth keeping the card if you shop at Academy. Interest rates after the first 12 months are decent too.
Aug 5, 2013
Photo of Sophie O.
Aug 5, 2013
The Academy Credit Card seems like a pretty good piece of debt plastic if you are a sporting goods aficionado, as the centerpiece of the rewards program is a sporting goods store. Even if sporting goods is of no interest to you, the Academy Credit Card is still pretty decent, with a generous grace period, somewhat lower interest than many other store-issued credit cards such as the JCPenney card I've had for years, and plenty of additional features. The cashback rewards ratio is kind of low, however, and the highly-specialized nature of the rewards program means that some would be better off with a general card featuring a variety of more
Aug 2, 2013
Photo of David B.
Aug 2, 2013
As far as reward/store cards go, the Academy Credit Card is actually a good offering for people who frequent Academy Sports. This is a full-featured card that even allows those with good credit histories to have a decent rate, unlike other gas card/store offed cards out there (IKEA comes to mind at 25.99%). On top of a solid reward program, there is even a balance transfer fee that is in line with non-reward cards, along with an intro program with surpasses all but the best, at a full year of zero percent on both balance transfers and regular purchases. Bravo to Academy for making a solid offering to their customers, more
Aug 1, 2013
Photo of Benjamin X.
Aug 1, 2013
I'll be honest, I don't buy a ton of sporting goods. I do enjoy fishing, and sometimes I'll pick up the occasional running shirt or workout gloves, but I'm not shopping at Academy that often. Lets run through the rewards, because to me, that's what's most important. With the Academy Credit Card, you get 1 point per dollar spent, unless it's at Academy and you're buying sporting goods, but there's only so many soccer balls I need. You get a $25 certificate to Academy for 2,500 points, or $2500, which works out to 1% cashback. Now, with the TrueEarnings card from Costco/American Express, you get 3% cashback on gas, which more
Sep 18, 2013
Photo of Taylor B.
Taylor Burge
Sep 18, 2013
Just to add something to this.....its 5 points per dollar spent at academy and it's 1 dollar per point spent anywhere else. If you ask me that's pretty good. Especially if you shop there a lot.
Jul 30, 2013
Photo of Jalisa E.
Jul 30, 2013
I'm a sports fanatic, so I love the fact that a store I would buy from has a reward card like this. I love the fact that they offer $15 immediately when opening an account either online or in-store, that's a great incentive to at least go ahead and try it out. While the 1 dollar per 1 point may be a little low, I can easily see myself making many purchases at this store and making the card worth while. I also like that the intro rate starts at 0% for 12 months. Very good deal and I will most definitely look into getting this card soon.
Feb 27, 2012
Photo of Joe W.
Feb 27, 2012
And the Academy Award goes to…Oh, different Academy. Sorry, I guess I’m still in Oscar mode from last night and it’d be more fitting to ask who the Academy REWARD goes to. I mean, is the Academy Credit Card a good deal for consumers or would you have to give yourself a Razzie for getting it? Let’s take a look. Starting with rewards, the Academy Credit Card offers 1,000 bonus points after yoru first purchase, 5 points per $1 spent at Academy Sports + Outdoors, and 1 point per $1 spent on everything else. Since yuou get a $25 Academy Sports + Outdoors gift card for every 25,000 points you more
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Last updated on: Aug 31st, 2014 at 5:05 EDT