Academy Sports + Outdoors Visa® Credit Card

BreadFinance Visa Pending

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4

Benefits

4

Reward Categories

5x

Max Reward

21.2%

APR From
Basic Information
PENDING

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

Issuer: BreadFinance

Card Name: Academy Sports + Outdoors Visa® Credit Card

Card Type: Credit

Network: Visa

Card Tier:

Approved: Pending

Data Complete: Complete

Created: Jan 15, 2026 12:48

Last Scraped: Feb 07, 2026 04:54

Apply URL: Visit

Home URL: Visit

SCRA Benefits (Military Members)

Bread Financial is committed to providing assistance to military personnel and their families. Active duty Servicemembers and their dependents may be eligible for benefits under the Servicemembers Civil Relief Act (SCRA). Contact 1-800-250-5411 for details.

Rewards Program (Detailed) 4 Categories
PENDING
Category Rate Type Description Annual Cap Status
Academy Sports + Outdoors Purchases 5x Points Purchases made at Academy Sports + Outdoors stores or online at academy.com. No Cap
Gas 2x Points Purchases made at merchants classified as gas stations. No Cap
Dining 2x Points Purchases made at merchants classified as restaurants. No Cap
All Other Purchases 1x Points All other eligible purchases not falling into other bonus categories. No Cap
Rewards Summary
PENDING
Benefits & Protections (Detailed) 4 Total
PENDING
Shopping 4
Academy Purchases Rewards
5% back in rewards

Earn 5% back in rewards on purchases made at Academy Sports + Outdoors with your Academy Sports + Outdoors Visa® Credit Card.

Gas and Restaurant Purchases Rewards
2% back in rewards

Earn 2% back in rewards on eligible gas and restaurant purchases made with your Academy Sports + Outdoors Visa® Credit Card.

All Other Purchases Rewards
1% back in rewards

Earn 1% back in rewards on all other eligible purchases made with your Academy Sports + Outdoors Visa® Credit Card.

Rewards Redemption for Academy Gift Cards
Redemption for Academy gift cards

Rewards earned through the program can be redeemed for Academy Sports + Outdoors gift cards.

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
No Sign-Up Bonus Available

Click "Get Data" button below to fetch sign-up bonus information.

Fee Structure
PENDING
Annual Fee: $0.00
Year 1 Waived: No
Effective Annual Fee: $0.00
Authorized User Fee: $0.00
Penalty APR: 29.99%
Min Interest Charge: $2.00
Additional Fees
PENDING
Late Fee: $41.00
Returned Payment: $41.00
Balance Transfer: Either $10 or 5% of the amount of each balance transfer, whichever is greater
Cash Advance: Either $10 or 5% of the amount of each cash advance, whichever is greater
Foreign Transaction: 3.00%
Interest Rates & APR
PENDING
Standard APR

Purchase APR: 21.24% - 31.24%

Balance Transfer APR: 31.24%

Cash Advance APR: 32.24%

Intro APR Offers

Promo Financing: Deferred Interest

⚠️ Interest will be charged to your account from the purchase date if the promotional balance is not paid in full within the promotional period.
Approval Criteria & Requirements
PENDING
Credit Score Requirements
640 - 720
Good
Supported
Application Process
Available
Available
Not specified
Issuer Rules & Policies
PENDING

Rules: Eligibility for the Academy Sports + Outdoors Visa Card typically requires good to excellent credit (FICO score of 670+ recommended), applicant must be 18 years or older, a U.S. resident, and possess a valid Social Security Number or ITIN. New cardholders can earn a $50 statement credit after spending $500 on purchases outside of Academy Sports + Outdoors within the first 90 days of account opening. This offer is generally not available to applicants who have previously held this specific card and received a new cardholder bonus within the last 24 months.

Max Cards Per Issuer: 5

Min Spend Interval: 3 months

Shutdown Risk Triggers: Manufactured spending, excessive cumulative credit limit across multiple BreadFinance accounts, rapid application for numerous BreadFinance cards, prolonged account inactivity, suspicious spending patterns, or late payments/defaults on any BreadFinance-issued card.

Cliff Effect Rules: Bonus eligibility is typically restricted to new cardholders who have not received a bonus for the Academy Sports + Outdoors Visa Card within the past 24 months. There are no complex card family rules or upgrade/downgrade paths associated with this specific store-branded card.

Special Events: Exclusive cardholder discounts during major retail events (e.g., Black Friday, Cyber Monday, seasonal clearance sales), loyalty program bonus points events, and special in-store promotions for cardholders.

Holiday Promos: Black Friday/Cyber Monday, Christmas/Holiday Season, Back-to-School, Memorial Day, Labor Day, and other national holiday sales periods.

International Friendly: No

User Analytics & Insights
PENDING
User Ratings

Average Rating: 3.2 / 5.0

Top Positive:
Good rewards for purchases at Academy Sports + Outdoors; Easy application process; Decent initial credit limit; Accepted anywhere Visa is.

Top Negative:
Customer service can be slow or unhelpful; High APR compared to other cards; Rewards are primarily useful for Academy purchases; Online account management can be clunky.

Approval Experience: 72.0 / 100

Recommended Alternatives
  • Amazon Prime Rewards Visa Signature
  • Citi Double Cash Card
  • Capital One SavorOne Cash Rewards Credit Card

Card Value Score: 65.0 / 100

Est. Annual Rewards: $120.00

Approval Probability: 80.0%

Version Control
PENDING

Version ID: October 2023