Gander Outdoors Credit Card

BreadFinance Mastercard Pending

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3

Benefits

3

Reward Categories

5x

Max Reward

30%

APR From
Basic Information
PENDING

Program ID: gander-outdoors-credit-card

Issuer: BreadFinance

Card Name: Gander Outdoors Credit Card

Card Type: Credit

Network: Mastercard

Card Tier:

Approved: Pending

Data Complete: Complete

Created: Jan 15, 2026 15:27

Last Scraped: Feb 11, 2026 06:53

Apply URL: Visit

Home URL: Visit

SCRA Benefits (Military Members)

Comenity Bank offers an interest rate reduction to 6% per year on certain pre-service obligations for eligible active duty Servicemembers, spouses, or dependents under the Servicemembers Civil Relief Act (SCRA). To apply, send active duty orders or a letter from your commanding officer.

Rewards Program (Detailed) 3 Categories
PENDING
Category Rate Type Description Annual Cap Status
Gander Outdoors & Overton's Purchases 5x Points Qualifying purchases made at Gander Outdoors and Overton's. No Cap
Gas & Groceries 2x Points Qualifying purchases made at merchants classified as gas stations and grocery stores. No Cap
All Other Purchases 1x Points All other qualifying purchases everywhere Visa credit cards are accepted. No Cap
Rewards Summary
PENDING
Benefits & Protections (Detailed) 3 Total
PENDING
Rewards 3
Gander Outdoors Purchase Rewards
2 points per $1 spent at Gander Outdoors

Earn 2 points for every $1 spent on eligible purchases made at Gander Outdoors.

Everyday Purchase Rewards
1 point per $1 spent everywhere else

Earn 1 point for every $1 spent on purchases everywhere else Visa is accepted.

Rewards Certificate Redemption
1,000 points = $10 Gander Outdoors Rewards Certificate

Redeem accumulated points for Gander Outdoors Rewards Certificates. 1,000 points are redeemable for a $10 Gander Outdoors Rewards Certificate.

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

$25

Cash Back

Requirement: Spend $25

Fee Structure
PENDING
Annual Fee: $0.00
Year 1 Waived: No
Effective Annual Fee: $0.00
Authorized User Fee: $0.00
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: 29.99% - 29.99%

Cash Advance APR: 29.99%

Intro APR Offers
⚠️ If you have a deferred interest promotion, the deferred interest balance will be subject to the standard purchase APR if the promotional balance is not paid in full by the end of the promotional period.
Approval Criteria & Requirements
PENDING
Credit Score Requirements
620 - 700
Good
Hard Pull Only
Application Process
Not specified
Not specified
Experian, Equifax, TransUnion
Issuer Rules & Policies
PENDING

Rules: Eligibility for the Gander Outdoors Credit Card (2026) requires applicants to be at least 18 years of age (19 in Alabama and Nebraska), possess a valid Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN), and have a verifiable U.S. mailing address. All applications are subject to a creditworthiness assessment by BreadFinance. The typical bonus offer for new cardholders in 2026 is a $50 statement credit after spending $500 at Gander Outdoors or its affiliated brands within the first 90 days of account opening. Rewards and benefits are primarily redeemable at Gander Outdoors and its associated retail entities, with specific restrictions on eligible purchases and redemption methods detailed in the cardholder agreement. Points or rewards earned may have an expiration period.

Max Cards Per Issuer: 2

Min Spend Interval: 3 months

Shutdown Risk Triggers: Late payments or default on any BreadFinance product, suspicious account activity or suspected fraud, rapid accumulation of credit lines (especially with BreadFinance), high credit utilization across BreadFinance accounts, extended periods of inactivity (e.g., 12-24 months), or breach of cardholder agreement terms.

Cliff Effect Rules: BreadFinance evaluates an applicant's overall credit relationship and exposure across all their issued products. While not a traditional 'card family,' approval for new BreadFinance credit cards can be negatively impacted by existing high credit limits, recent delinquencies, or multiple recent applications for other BreadFinance-issued store cards. Applying for several BreadFinance cards within a short timeframe may lead to denials based on perceived credit risk.

Special Events: Exclusive cardholder discounts on specific product categories or brands, bonus rewards points events (e.g., 2x or 3x points) during promotional periods, and early access to sales or new product launches for cardholders.

Holiday Promos: Enhanced rewards or special financing offers during major shopping holidays (e.g., Black Friday, Cyber Monday, Christmas, Memorial Day, Labor Day, 4th of July), and specific discounts tied to seasonal Gander Outdoors merchandise.

International Friendly: No

User Analytics & Insights
PENDING
User Ratings

Average Rating: 2.8 / 5.0

Top Positive:
Easy approval for store loyalists, offers good discounts and rewards on Gander Outdoors purchases, useful for financing large outdoor gear purchases.

Top Negative:
Frequent complaints about Comenity's poor customer service, high interest rates, issues with billing and reward redemption, limited value outside the store.

Approval Experience: 75.0 / 100

Recommended Alternatives
  • Capital One SavorOne Cash Rewards Credit Card
  • REI Co-op Mastercard
  • Discover it Cash Back

Card Value Score: 55.0 / 100

Est. Annual Rewards: $60.00

Approval Probability: 75.0%

Version Control
PENDING

Version ID: October 2023