Academy Sports + Outdoors Credit Card

Synchrony Pending

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2

Benefits

2

Reward Categories

5x

Max Reward

30%

APR From
Basic Information
PENDING

Program ID: academy-sports-outdoors-credit-card

Issuer: Synchrony

Card Name: Academy Sports + Outdoors Credit Card

Card Type: Credit

Network:

Card Tier:

Approved: Pending

Data Complete: Complete

Created: Jan 10, 2026 09:31

Last Scraped: Feb 13, 2026 05:50

Apply URL: Visit

Home URL: Visit

SCRA Benefits (Military Members)

Synchrony Bank offers Servicemembers Civil Relief Act (SCRA) benefits, including a 0% APR on balances for accounts opened prior to active duty. Contact 1-855-SCRA-411 for details.

Rewards Program (Detailed) 2 Categories
PENDING
Category Rate Type Description Annual Cap Status
Academy Sports + Outdoors Purchases 5x Cash Back Purchases made at Academy Sports + Outdoors stores, academy.com, and through the Academy Sports + Outdoors mobile app. No Cap
All Other Purchases 1x Cash Back Purchases made everywhere Visa credit cards are accepted, excluding Academy Sports + Outdoors purchases. No Cap
Rewards Summary
PENDING

Reward Type: Rewards

Base Rate: 1x

Bonus Rate: 3x

Categories: Academy Sports + Outdoors purchases

Quarterly Rotating: No

Expiration Policy: Points expire 24 months after the date they are earned.

Point Value: 0.01¢

Travel Portal Multiplier: 1x

Redemption Penalties: Minimum redemption of 1,000 points for a $10 reward.

Benefits & Protections (Detailed) 2 Total
PENDING
Shopping 2
Everyday 5% Discount
5% off

Cardholders receive a 5% discount on all eligible purchases made at Academy Sports + Outdoors stores and online when using their Academy Sports + Outdoors Credit Card.

Special Financing Offers
Varies by offer

Cardholders may be eligible for special financing promotions on qualifying purchases made at Academy Sports + Outdoors. Specific terms, conditions, and minimum purchase requirements apply and are typically disclosed at the time of the offer.

Benefits Summary (Flags)
PENDING

Extended Warranty

Purchase Protection

Cell Phone Protection

Travel Insurance

Primary Rental Protection

Airport Lounge Access

Trip Delay Coverage

Lost Luggage Coverage

Price Protection

Concierge Service

No Foreign Fees

ShopRunner

Sign-Up Bonus
PENDING

$15

Cash Back

Requirement: Spend $15

Timing: Get $15 off your first Academy Sports + Outdoors purchase of $15 or more when you open and use your new Academy Sports + Outdoors Credit Card.

Fee Structure
PENDING
Annual Fee: $0.00
Year 1 Waived: No
Effective Annual Fee: $0.00
Min Interest Charge: $2.00
Additional Fees
PENDING
Late Fee: $41.00
Returned Payment: $41.00
Interest Rates & APR
PENDING
Standard APR

Purchase APR: 29.99% - 29.99%

Intro APR Offers

Promo Financing: Deferred Interest

Promo Duration: 6 months

⚠️ Interest will be charged to your Account from the purchase date if the promotional purchase is not paid in full within 6 or 12 Months. Minimum monthly payments are required. Valid for single transaction only. Purchases must be made with your Academy Sports + Outdoors Credit Card. Subject to credit approval. See associate for details.
Approval Criteria & Requirements
PENDING
Credit Score Requirements
580 - 669
Good
Not specified
Application Process
Not Available
Not Available
Not specified
Issuer Rules & Policies
PENDING

Rules: The Academy Sports + Outdoors Credit Card, issued by Synchrony, typically offers an initial discount (e.g., 10-20% off) on the first purchase made with the card. Eligibility requirements for 2026 are expected to remain consistent: applicants must be at least 18 years old (19 in AL/NE), a U.S. resident with a valid Social Security Number or ITIN, and possess a fair to good credit score (typically 640+ FICO, though store cards can be more lenient). Approval is subject to Synchrony's credit underwriting standards, including income verification and debt-to-income ratio assessment. Ongoing benefits often include special financing offers and exclusive cardholder discounts.

Max Cards Per Issuer: 5

Min Spend Interval: N/A for primary bonus; typically 3 months for spend-based offers

Shutdown Risk Triggers: Manufactured spending (less common for store cards but a general risk), high cumulative credit limit across all Synchrony accounts, excessive credit seeking (numerous applications in a short period), missed or consistently late payments, suspicious or fraudulent activity, and abuse of promotional financing terms.

Cliff Effect Rules: Synchrony does not enforce specific 'cliff effect' or 'card family' rules that restrict eligibility based on prior card ownership within a product family. Each application is generally evaluated independently, though overall credit exposure with Synchrony remains a significant factor in approval decisions.

Special Events: Cardholders can expect exclusive discounts, early access to sales events, special financing promotions (e.g., 0% APR for X months on qualifying purchases), and potentially birthday rewards or bonus points days throughout the year.

Holiday Promos: Key promotional periods typically align with major retail holidays: Black Friday/Cyber Monday (November), Christmas/Holiday Season (December), Back-to-School (July/August), Memorial Day, Labor Day, and 4th of July sales. Seasonal clearance events also often feature cardholder-exclusive offers.

International Friendly: No

User Analytics & Insights
PENDING
User Ratings

Average Rating: 3.2 / 5.0

Top Positive:
Initial discount on first purchase is a significant benefit; special financing offers are useful for large purchases; exclusive cardholder promotions provide additional savings.

Top Negative:
High interest rates make carrying a balance expensive; card can only be used at Academy Sports + Outdoors, limiting its utility; customer service can be difficult to reach or resolve issues with.

Approval Experience: 78.0 / 100

Recommended Alternatives
  • Dick's Sporting Goods Credit Card
  • Cabela's Club Visa
  • Wells Fargo Active Cash Card

Card Value Score: 65.0 / 100

Est. Annual Rewards: $60.00

Approval Probability: 75.0%

Version Control
PENDING

Version ID: v1.0