Academy Sports + Outdoors Visa Card
Basic Information
Program ID: academy-sports-outdoors-visa-card
Issuer: BreadFinance
Card Type: Credit
Network: Visa
Card Tier: Standard
Data Complete: Yes
Created: 01/15/2026 12:48
Last Scraped: 01/15/2026 12:49
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: | 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: | 0.00% |
Interest Rates
Purchase APR Range: 2,124.00% - 2,924.00%
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: $50.00
Spending Requirement: $1,000.00
Time Period: 90 days
Bonus Timing: Bonus Rewards typically post to your account within 1-2 billing cycles after the spending requirement is met.
Rewards Program
Reward Type: Points
Base Reward Rate: 1.00%
Bonus Reward Rate: 5.00%
Bonus Categories: 5x Academy Sports + Outdoors, 2x Gas, 2x Restaurants
Point Value Estimate: 0.0100 cents/point
Expiration Policy: Points expire 12 months after being earned if not redeemed or if account is inactive. Reward certificates also expire.
Card Benefits
Protection Benefits
Travel Benefits
- Travel Insurance
- No Foreign Transaction Fees
Premium Benefits
Approval Criteria
Recommended FICO Range: 670 - 850
Approval Odds Category: Good
Pre-qualification Available
Soft Pull Supported
Hard Pull Bureau: Experian, TransUnion, or Equifax
Issuer Rules
Rules: Eligibility requires applicants to be 18+ years old (19+ in AL/NE), a US resident with a valid SSN or ITIN, and meet BreadFinance's creditworthiness standards (typically fair to good credit). Income verification may be required. Not eligible with recent bankruptcies or current defaults with BreadFinance. Bonus: Earn a $25 statement credit after making your first purchase at Academy Sports + Outdoors within 30 days of account opening. Ongoing rewards typically include 3-5% back at Academy Sports + Outdoors, 1-2% on select categories like gas and groceries, and 1% on all other purchases.
Maximum Cards Per Issuer: 5
Minimum Spend Interval: 3 months
Shutdown Risk Triggers: Manufactured spending, excessive credit seeking behavior (e.g., too many applications with BreadFinance in a short period), high cumulative credit exposure across all BreadFinance accounts relative to income, consistent late payments or defaulting on other BreadFinance accounts, fraudulent activity, or suspected abuse of rewards/return policies.
International Friendly
User Analytics & Insights
User Ratings
Average Rating: 3.5 / 5.0
Top Positive Feedback:
Good rewards on Academy Sports purchases, useful for frequent shoppers, occasional promotional offers and discounts.
Top Negative Feedback:
Rewards are limited to Academy Sports, high APR, customer service can be difficult, credit limits may be low for some users.
Approval Experience Score: 70.0 / 100
Recommended Alternatives
- Target RedCard
- Amazon Prime Rewards Visa Signature Card
- Capital One SavorOne Cash Rewards Credit Card
Card Value Score: 65.0 / 100
Est. Annual Rewards: $120.00
User Portfolio Metrics
Avg Portfolio Size: 3 cards
Avg Portfolio Age: 48 months
Store vs Co-brand: 70% Store / 30% General
Risk Assessment
Default Risk Group: Medium
Predicted Approval Probability: 75.0%
Terms Version Control
Version ID: v1.0