Academy Sports + Outdoors Credit Card
Basic Information
Program ID: academy-sports-outdoors-credit-card
Issuer: Synchrony
Card Type: Credit
Network: Private Label
Card Tier: Standard
Data Complete: Yes
Created: 01/10/2026 09:31
Last Scraped: 01/15/2026 10:01
Fee Structure
| Annual Fee: | $0.00 |
| Year 1 Waived: | No |
| Effective Annual Fee: | $0.00 |
| Authorized User Fee: | $0.00 |
| Penalty APR: | 0.00% |
Additional Fees
| Late Fee: | $40.00 |
| Returned Payment: | $40.00 |
| Balance Transfer: | N/A |
| Cash Advance: | Either $10 or 5% of the amount of each cash advance, whichever is greater |
| Foreign Transaction: | 0.00% |
Interest Rates
Purchase APR Range: 2,999.00% - 2,999.00%
Intro Purchase APR: 0.00%
Intro APR Duration: 0 months
Balance Transfer APR: 0.00%
Intro BT APR: 0.00%
Intro BT Duration: 0 months
Cash Advance APR: 2,999.00%
Sign-Up Bonus
Bonus Amount: $15.00
Spending Requirement: $15.00
Time Period: 30 days
Bonus Timing: Discount applied immediately at point of sale on first qualifying purchase.
Rewards Program
Reward Type: Points
Base Reward Rate: 1.00%
Bonus Reward Rate: 5.00%
Bonus Categories: 5x Academy Sports + Outdoors purchases
Point Value Estimate: 0.0100 cents/point
Expiration Policy: Points expire 12 months from the date they are earned or if the account becomes inactive. Reward certificates issued from points also have an expiration date, typically 90 days from issuance.
Transfer Partners: N/A
Card Benefits
Protection Benefits
Travel Benefits
Premium Benefits
Approval Criteria
Recommended FICO Range: 670 - 740
Approval Odds Category: Good
Pre-qualification Available
Soft Pull Supported
Hard Pull Bureau: TransUnion
Issuer Rules
Rules: Eligibility for the Academy Sports + Outdoors Credit Card requires applicants to be at least 18 years old, a U.S. resident, and possess a valid Social Security Number or ITIN. Approval is subject to Synchrony's creditworthiness criteria, which can be flexible for store cards, though better credit scores typically result in higher credit limits. The primary 'bonus' for new cardholders is often an immediate discount on the first purchase (e.g., 10-20% off) or special financing offers. Ongoing benefits include exclusive cardholder discounts, special financing promotions on qualifying purchases, and potential early access to sales events. There are no traditional 'bonus spend' requirements for points or miles.
Maximum Cards Per Issuer: 5
Minimum Spend Interval: Not applicable for traditional bonus spend; initial offers are typically immediate or tied to specific promotional periods.
Shutdown Risk Triggers: High cumulative credit limit across Synchrony accounts relative to income, missed payments or default on any Synchrony account, suspicious or fraudulent activity, excessive returns or unusual purchase patterns for a store card, and opening too many Synchrony accounts in a short period (though less strict than other issuers).
International Friendly
User Analytics & Insights
User Ratings
Average Rating: 3.0 / 5.0
Top Positive Feedback:
Easy approval process, good rewards for frequent Academy Sports shoppers (5% back), special financing offers can be useful for large purchases.
Top Negative Feedback:
High interest rates (APR), poor customer service from Synchrony Bank, deferred interest promotions can be confusing and costly if not paid in full, limited utility outside of Academy Sports.
Approval Experience Score: 70.0 / 100
Recommended Alternatives
- Capital One SavorOne Cash Rewards Credit Card
- Chase Freedom Flex
- Citi Custom Cash Card
Card Value Score: 65.0 / 100
Est. Annual Rewards: $75.00
User Portfolio Metrics
Avg Portfolio Size: 3 cards
Avg Portfolio Age: 48 months
Store vs Co-brand: 0% General / 100% Store
Risk Assessment
Default Risk Group: Medium
Predicted Approval Probability: 75.0%
Terms Version Control
Version ID: v1.0