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Academy Credit Card Review

Written by Mike Pearson
Updated June 8, 2023

In recent years, store-specific credit cards have become increasingly popular as a way for consumers to save money on purchases and earn rewards. One such card is the Academy Credit Card, designed for use at Academy Sports + Outdoors, allowing shoppers to make the most of their spending at the store.

The Academy Credit Card, issued by Comenity Bank, is known for its lack of an annual fee, making it an attractive option for those who frequently shop at Academy Sports + Outdoors. As with many store cards, it has its drawbacks, such as limited flexbility and a high annual percentage rate (APR). However, understanding the pros and cons of this card in detail can help potential users determine if this credit option is a suitable fit for their needs.

Academy Credit Card Overview

Issuer and Financial Institution

The Academy Credit Card is offered by Academy Sports + Outdoors, a popular sporting goods retailer. The financial institution behind the card is U.S. Bank, which ensures a secure and efficient credit card experience for cardholders.

Card Features and Benefits

The Academy Credit Card comes with a variety of features and benefits that cater to frequent shoppers of Academy Sports + Outdoors. Some of these features are:

  • No Annual Fee: This card has no annual fee, making it a great choice for those looking for a low-maintenance credit card.
  • Discount at Checkout: Cardholders receive a 5% discount on in-store purchases at Academy Sports + Outdoors, providing instant savings at the time of purchase.
  • Competitive APR: Based on creditworthiness, the card offers a variable purchase APR that ranges from 9.99% up to 15.60%.
  • No Foreign Transaction Fee: The card does not charge a foreign transaction fee, making it suitable for international travels and purchases.
  • Wide Range of Accepted Credit Scores: The Academy Credit Card accepts applicants with various credit scores, including excellent, good, and fair credit.
  • Minimum Payment: Cardholders must make a monthly minimum payment, either $29 or 5% of the balance plus any past due amount, whichever is greater.

Remember to read the terms and conditions for additional information on fees, rates, and other important aspects before applying for the Academy Credit Card.

Applying for the Academy Credit Card

Requirements and Eligibility

To apply for the Academy Credit Card, you must meet the following requirements:

  • Be at least 18 years old
  • Have a valid Social Security number
  • Possess a stable source of income
  • Have a good credit score and maintain good credit history

It’s important to note that the Academy Credit Card is best suited for those with good to excellent credit. Having a strong credit history will increase your chances of approval and help you secure better terms.

Application Process

When you’re ready to apply, follow these steps:

  1. Visit the Academy Credit Card website and click on the ‘Apply Now’ button.
  2. Fill out the necessary personal information, including your name, address, and Social Security number.
  3. Provide details about your income, employment, and monthly housing expenses.
  4. Read and understand the terms and conditions carefully before submitting your application.
  5. Upon approval, you may also receive a $15 statement credit towards any Academy purchase, as long as it’s made within 60 days of opening the account and is worth at least $15.

To increase your chances of success during the application process, you may want to double-check your information for accuracy, and ensure that your credit score is in good standing. While approval is not guaranteed, following these guidelines will improve your chances of obtaining the Academy Credit Card.

Rewards and Discounts

Earning Rewards Points

The Academy Credit Card offers a straightforward rewards program for its cardholders. Upon opening an account, you will receive a $15 discount on your first purchase of over $15. This incentive is a one-time offer and is subject to terms and conditions.

In addition to the introductory discount, cardholders benefit from a 5% off on all their future purchases made online and in-store at Academy Sports. This discount is applied automatically at the time of checkout, making it convenient and easy for the user. There are no complicated bonus categories or rewards points involved in this program, keeping it straightforward and hassle-free.

Redeeming Rewards Points

There isn’t a conventional rewards points system tied to the Academy Credit Card, as the main benefit is the 5% off on all purchases made at the store. This discount simplifies the process for cardholders since there’s no need to accumulate points or redeem them for cash back, gift cards, or other rewards.

The primary advantage of this card is its simplicity in providing direct savings to Academy Sports customers. Cardholders can enjoy ongoing discounts on their purchases without the need to navigate complex rewards programs or expiration dates.

Fees and Interest Rates

Annual Fee and Other Charges

The Academy Credit Card has no annual fee. This makes it an attractive option for people looking for a low-maintenance card. Furthermore, the card does not charge any foreign transaction fees, which is an added benefit for cardholders who travel or make purchases from international merchants.

However, it is essential to be aware of other fees associated with this credit card:

  • Cash Advance Fee: Typically, cash advances come with fees, but the exact amount varies. Please refer to your cardholder agreement for specific details on cash advance fees.

APR and Penalties

The Academy Bank Visa Credit Card comes with a variable purchase APR ranging between 9.99% and 15.60%. This APR is relatively competitive compared to other credit card options in the market.

When considering penalties, keep the following in mind:

  • Late Payments: Late payment fees may apply when you fail to make the minimum payment by the due date. Always check your cardholder agreement for details on late payment fees.
  • Penalty APR: A higher penalty APR may be applied if you fail to make on-time payments. Again, consult your card agreement for information about any penalty APRs.
  • Overlimit Fee: Some cards may charge an overlimit fee, but be sure to review your card agreement for any related fees.

It is crucial to always read and understand your cardholder agreement to be aware of all fees, interest rates, and potential penalties associated with your Academy Credit Card.

Using the Academy Credit Card

Shopping at Academy Sports + Outdoors

The Academy Sports Credit Card allows you to make purchases at Academy Sports + Outdoors, a popular sporting goods store. When you use this store credit card, you may be eligible for certain rewards and benefits, such as exclusive discounts and special promotions. By using the card on a regular basis at Academy Sports + Outdoors, you might also accumulate points which can be redeemed for additional savings or other rewards.

It’s important to note that the Academy Sports + Outdoors Credit Card is a store card, meaning it can only be used for purchases at Academy Sports + Outdoors locations or their online store. If you’re a frequent shopper at this sporting goods store, the card could offer you some valuable benefits that may help you save money on your purchases.

Utilizing Additional Features

While the main advantage of the Academy Credit Card pertains to shopping at Academy Sports + Outdoors, there may be some additional features and benefits to using the card:

  • Online account management: The card issuer, Comenity Bank, provides an online portal where cardholders can manage their account. This includes reviewing transactions, making payments, and tracking rewards.
  • No annual fee: There is no annual fee associated with the Academy Sports + Outdoors Credit Card, which is a plus for anyone looking to save on extra costs.
  • Flexible payments: The minimum payment for the Academy Credit Card is either $29 or 5% of your balance plus any past due amount, whichever is greater. This flexibility can be helpful for cardholders looking to manage their finances.

Keep in mind that, as a store credit card, the Academy Sports + Outdoors Credit Card may have a higher APR compared to some general-use credit cards. It’s important to be aware of the potential for higher interest rates and pay off your balance in full each month to avoid incurring additional charges.

Alternatives and Competitors

Comparing with Other Credit Cards

While the Academy Credit Card offers a 5% discount on all Academy purchases, there are general cash-back credit cards that could provide greater rewards and flexibility. These alternative cards allow consumers to have a wider range of options when shopping and receiving rewards.

Chase Freedom

The Chase Freedom Flex is a strong competitor and a great alternative to the Academy Credit Card. With this card, cardholders can earn:

  • 5% back on travel booked through Chase Ultimate Rewards
  • 3% on dining and drugstores
  • 5% cash back on up to $1,500 each quarter you activate on rotating categories

Compared to the Academy Credit Card’s straightforward 5% discount, the Chase Freedom Flex provides more opportunities to earn rewards across varying categories and greater flexibility with where to shop.

Other Options

Another alternative credit card with a potentially more beneficial rewards program is the Discover it® Cash Back credit card. It offers:

  • 5% cash back on everyday purchases at different merchants each quarter (e.g. grocery stores, restaurants, gas stations, select rideshares, and online shopping) up to the quarterly maximum
  • 1% unlimited cash back on all other purchases automatically

With the Discover it® Cash Back credit card, cardholders have the freedom to shop at a broader range of merchants while still enjoying substantial cash back rewards.

Customer Support and Additional Resources

Academy Credit Card Customer Service

Academy Credit Card, issued by Comenity Bank, offers customer service for cardholders to address any general questions or issues related to their account. To contact customer service, call 1-800-285-1877. They can assist with account inquiries, transaction disputes, and payments. It is important to reach out to customer service promptly if you experience any issues to prevent potential negative impacts on your credit score.

Online Resources

Online resources are also available for cardholders, providing valuable information and tools to manage their account. Here are the key features:

  • Account Management: Cardholders can create an online account to monitor their balance, transactions, and recent activity. This tool makes it easy to stay on top of payments and ensure you’re making the most of your card’s benefits.
  • Payment Options: Academy Credit Card accepts various payment methods, including online payments through the card’s website, making it convenient for cardholders to make payments on time. It is essential to make timely payments to avoid incurring late fees or interest charges.
  • Academy Bank: As a cardholder, you can also access resources and support from Academy Bank. Academy Bank offers a range of financial services, including checking and savings accounts, loans, and more. By leveraging their services, you can consolidate your finances and make managing your money more streamlined.
  • FAQs and Help Center: For quick answers to common questions related to the Academy Credit Card, cardholders can visit the FAQs and Help Center section on the card’s web page. This resource covers topics such as understanding rewards points, fees, and resolving common technical issues.

Overall, Academy Credit Card provides accessible customer support and useful online resources, enabling cardholders to effectively manage their accounts and maximize their card’s benefits.

Editorial and Community Rating

As per the information available on WalletHub, the users have submitted 290 reviews about the Academy Credit Card to help fellow consumers. The reviews posted on this platform have been submitted anonymously by the community members and represent their own opinions, not affiliated with WalletHub directly or its advertising partners.

SuperMoney, another popular platform, hosts reviews and opinions shared by users to help individuals and businesses make better financial decisions. The community rating on SuperMoney is derived from ratings submitted by users, giving a clear perspective regarding the credit card’s utility and overall satisfaction.

It is important to mention that both WalletHub and SuperMoney are advertising-supported services. This means that sponsored products might occasionally appear alongside the information and reviews presented. However, editorial content is not influenced by advertising partners or endorsed by them.

To maintain transparency and trust with the audience, an editorial disclaimer is commonly placed on such platforms. It ensures that the opinions and information shared by the community members are genuine and not influenced by advertising partners or potential bias. This encourages the readers to explore the reviews and ratings to gather insightful information and make informed decisions based on others’ experiences.

In conclusion, the Academy Credit Card reviews and community ratings on websites like WalletHub and SuperMoney can provide valuable insights for potential users. The advertising-supported nature of these websites does not influence the editorial content, ensuring that the views shared by community members remain unbiased and genuine.

Frequently Asked Questions

What is the credit score requirement?

To apply for the Academy Credit Card, you generally need a credit score of at least 640. This means that the card requires applicants to have a fair credit rating. Keep in mind that a hard pull on your credit reports will occur when you apply for this card, usually causing a temporary drop in your credit score by 5-10 points.

Does the card help build credit?

Yes, the Academy Credit Card can help you build credit if used responsibly. By making payments on time and not carrying a high balance on the card, you can demonstrate to credit bureaus that you are a responsible borrower, potentially improving your credit score over time.

Which bank issues the card?

The Academy Credit Card is issued by Comenity Bank.

Are there monthly fees?

The Academy Credit Card does not have a specific monthly fee. However, it’s essential to consider other fees and costs associated with the card, such as the high annual percentage rate (APR), which is typical for most store cards.

How to apply for the card?

You can apply for the Academy Credit Card online by visiting the Comenity Bank website, providing your personal information, and submitting the application. Please note that a hard pull will occur on your credit reports when you apply, which may temporarily impact your credit score.

Where can the card be used?

The Academy Credit Card can be used for purchases at Academy Sports + Outdoors stores and their online platform. However, due to its limited flexibility, it may not be usable in other locations or on different merchant websites.

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Mike Pearson

Mike is a recognized credit expert and founder of Credit Takeoff. His credit advice has been featured in Investopedia,, Bankrate, Huffpost, The Simple Dollar, Reader's Digest, LendingTree, and Quickbooks. Read more.