Academy Credit Card ReviewsReviews, rates, fees and rewards details for the Academy Sports + Outdoors Credit Card. Compare to other cards and apply online in seconds.John KiernanWalletHubNo membership fees$15 discount initial rewards bonusQualify with fair creditHigh regular APR
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 "Improve Credit by Paying in Full Each Month." 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.
Academy Credit Card has a rating of 2.1/5 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 'Improve Credit by Paying in Full Each Month'. To break it down further, Academy Credit Card earned a score of 5.0/5 for Fees, 0.0/5 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
304 reviewsRead and write reviews
Editor’s Review
3.2/5
John Kiernan, Credit Card EditorRead full review
Market Comparison
Market Comparison
1.8
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 “Improve Credit by Paying in Full Each Month” for this card.
Fees
5.0
Rewards
0.0
Cost
3.3
Other Features
0.0
1.8/5
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
33.24% (V)
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.
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 "Improve Credit by Paying in Full Each Month." 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
1.8
fees: 5.0
rewards: 0.0
cost: 3.3
Other Features: 0.0
4.4WalletHub Rating
WalletHub Rating
4.4
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
4.5
Market Comparison
4.4
fees: 5.0
rewards: 4.0
cost: 4.8
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.
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.
Online: To pay your Academy Credit Card bill online, log in to your account. Then, navigate to the “Payments” section and add your bank account and routing number. After that, choose your payment date and payment amount.
Over the phone: Call (877) 321-8509 and provide your card number or Social Security number when prompted. You should be able to make a payment through the automated system. But you can also speak to a customer service rep who can process your payment.
In person: To make a Academy Credit Card payment at an Academy Sports + Outdoors store, go to the customer service desk and ask to pay your credit card bill. You can pay with cash, check, or debit card. You will need your credit card, a valid photo I.D., and your monthly credit card statement.
Via mail: Send your check or money order, along with your statement's payment coupon to:Academy Sports Credit CardP.O. Box 183003Columbus, OH 43218-3003Be sure to put your card number on your check or money order for faster processing.
If you choose to make a payment via mail, make sure to always send it at least 5-7 days before your due date.
Ultimately, it is also worth noting that the issuer allows Academy Credit Card members to set up automatic payments, as well.
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...
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....
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...
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...
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.
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
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...
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....
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.
Share your insights and review for the Academy Sports + Outdoors Credit Card
5
17%
4
29%
3
35%
2
7%
1
12%
3.3
304 reviews
304 reviews
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Collin McMiillion @MacMcMillion
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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.
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Marcus Henderson @marcushenderson
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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.
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Katherine L House @lorescalf
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5 Star Rating
Verified Customer
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
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Anthony @coroner5150
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1 Star Rating
Verified Customer
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
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Ed Landrum @itsjustmemred
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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!!!
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Barbara Sokol @barbaras_174
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1 Star Rating
Verified Customer
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.
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Steven @stevend26
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3 Star Rating
Verified Customer
Barely use it and they decrease my credit limit. I don't use that card unless I really need an item and because I didn't use it the decreased my credit limit
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Trenton @1996trentonv
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1 Star Rating
Verified Customer
Very difficult to get a straight answer from any person on payment, never received my card either. Not pleased. Tried to cancel after full payment was made
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Lee @allenvncnt57
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5 Star Rating
Verified Customer
No problem getting the card just sign up at counter. Best think you can pay in store. Customer service was great helping with this card. Explained all details clearly
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Travis @myret_17a
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5 Star Rating
Verified Customer
Academy is very helpful. I use it for everyday items. They have very good quality products and run frequent sales. Their product availability is very good.
* WalletHub is committed to transparency and editorial independence. 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
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