Gander Outdoors Credit Card
Basic Information
Program ID: gander-outdoors-credit-card
Issuer: BreadFinance
Card Type: Credit
Network: Visa
Card Tier: Standard
Data Complete: Yes
Created: 01/15/2026 15:27
Last Scraped: 01/15/2026 15:29
Fee Structure
| Annual Fee: | $0.00 |
| Year 1 Waived: | No |
| Effective Annual Fee: | $0.00 |
| Authorized User Fee: | $0.00 |
| Penalty APR: | 35.00% |
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: 2,924.00% - 3,324.00%
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: 3,424.00%
Sign-Up Bonus
Bonus Amount: $5,000.00
Spending Requirement: $500.00
Time Period: 90 days
Bonus Timing: Typically within 8-12 weeks after meeting the spending requirement, posted to your Gander Outdoors Rewards account.
Rewards Program
Reward Type: Points
Base Reward Rate: 1.00%
Bonus Reward Rate: 5.00%
Bonus Categories: 5x Gander Outdoors Purchases, 1x All Other Purchases
Point Value Estimate: 0.0100 cents/point
Expiration Policy: Points expire after 24 months of account inactivity or upon account closure.
Transfer Partners: N/A
Card Benefits
Protection Benefits
Travel Benefits
Premium Benefits
Approval Criteria
Recommended FICO Range: 670 - 850
Approval Odds Category: Good
Pre-qualification Available
Soft Pull Supported
Hard Pull Bureau: Varies (Experian, TransUnion, Equifax)
Issuer Rules
Rules: For 2026, new cardmembers are anticipated to receive a one-time bonus, such as 10-15% off their first Gander Outdoors purchase or a statement credit (e.g., $50-$100) after spending a specified amount (typically $500) within the first 90 days of account opening. Ongoing benefits include loyalty points (e.g., 3-5 points per $1 spent at Gander Outdoors, 1 point elsewhere) redeemable for store credit or discounts. Eligibility requirements include being at least 18 years old, a U.S. resident with a valid Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN). Approval requires a good to excellent credit history (typically FICO score 670+), sufficient verifiable income, and a manageable debt-to-income ratio. BreadFinance may also consider the applicant's existing credit relationships and total credit exposure across their portfolio.
Maximum Cards Per Issuer: 3
Minimum Spend Interval: 3 months
Shutdown Risk Triggers: Manufactured spending, excessive credit seeking (e.g., numerous applications in a short period), high cumulative credit limit across BreadFinance products, sudden drastic changes in spending patterns, late payments, defaulting on other credit obligations, suspected fraudulent activity, or violation of cardholder agreement terms.
International Friendly
User Analytics & Insights
User Ratings
Average Rating: 2.5 / 5.0
Top Positive Feedback:
Easy approval process, provides discounts and rewards for frequent Gander Outdoors shoppers, can help build credit for some users.
Top Negative Feedback:
Frequent complaints about poor customer service from Comenity Bank, high APR, unexpected account closures, and billing issues leading to late fees. Limited utility outside of Gander Outdoors.
Approval Experience Score: 65.0 / 100
Recommended Alternatives
- REI Co-op Mastercard
- Cabela's CLUB Card
- Discover it Cash Back
Card Value Score: 45.0 / 100
Est. Annual Rewards: $60.00
User Portfolio Metrics
Avg Portfolio Size: 4 cards
Avg Portfolio Age: 48 months
Store vs Co-brand: 0% General / 100% Store
Risk Assessment
Default Risk Group: Medium
Predicted Approval Probability: 80.0%
Terms Version Control
Version ID: October 2023