Sportsman's Guide® Visa® Credit Card

BreadFinance Visa Pending

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5

Benefits

4

Reward Categories

3x

Max Reward

21.2%

APR From
Basic Information
PENDING

Program ID: sportsmans-guide-visa-credit-card

Issuer: BreadFinance

Card Name: Sportsman's Guide® Visa® Credit Card

Card Type: Credit

Network: Visa

Card Tier:

Approved: Pending

Data Complete: Complete

Created: Feb 16, 2026 10:38

Last Scraped: Feb 16, 2026 10:40

Apply URL: Visit

Home URL: Visit

SCRA Benefits (Military Members)

Eligible Servicemembers receive a reduced APR of 6% on purchases, cash advances, and balance transfers made prior to active duty, and certain fees are waived. This applies until active duty ends.

Rewards Program (Detailed) 4 Categories
PENDING
Category Rate Type Description Annual Cap Status
Sportsman's Guide Purchases 3x Points Eligible purchases made directly at Sportsman's Guide. No Cap
Gas 3x Points Eligible purchases at merchants whose primary business is selling automotive gasoline. No Cap
Sporting Goods 3x Points Eligible purchases at merchants whose primary business is selling sporting goods. No Cap
All Other Purchases 1x Points All other eligible purchases everywhere Visa credit cards are accepted. No Cap
Rewards Summary
PENDING
Benefits & Protections (Detailed) 5 Total
PENDING
Financial 1
No Annual Fee
$0

The credit card does not charge an annual fee for card membership.

Shopping 4
Accelerated Rewards on Sportsman's Guide Purchases
3 points per $1

Earn 3 points for every $1 spent on eligible purchases made at Sportsman's Guide.

Accelerated Rewards on Gas and Restaurant Purchases
2 points per $1

Earn 2 points for every $1 spent on eligible gas and restaurant purchases.

Standard Rewards on All Other Purchases
1 point per $1

Earn 1 point for every $1 spent on all other eligible purchases where Visa is accepted.

Rewards Redemption for Sportsman's Guide Gift Cards
1,000 points = $10 Gift Card

Redeem accumulated points for Sportsman's Guide Gift Cards. Points are typically redeemed at a rate where 1,000 points equal a $10 gift card.

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

$20

Cash Back
Fee Structure
PENDING
Annual Fee: $0.00
Year 1 Waived: No
Effective Annual Fee: $0.00
Authorized User Fee: $0.00
Penalty APR: 31.24%
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 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%

Cash Advance APR: 31.24%

Intro APR Offers

Promo Financing: Deferred Interest

⚠️ Interest will be charged to your account from the purchase date if the purchase balance is not paid in full within 6 or 12 months or if you make a late payment.
Approval Criteria & Requirements
PENDING
Credit Score Requirements
670 - 850
Good
Hard Pull Only
Application Process
Not Available
Not Available
Not specified
Issuer Rules & Policies
PENDING

Rules: Eligibility for the Sportsman's Guide Visa Credit Card requires applicants to be at least 18 years of age (19 in Alabama and Nebraska), a U.S. resident with a valid Social Security Number or ITIN, and possess a fair to good credit history. Bonus rules typically include an initial sign-up offer, such as a discount on a first purchase or bonus points after meeting a minimum spend threshold within the first few months. Ongoing rewards usually involve earning a higher rate of points or cashback on Sportsman's Guide purchases and a lower rate on everyday purchases elsewhere. Specific bonus offers are subject to change annually but generally target new cardmembers only.

Max Cards Per Issuer: 7

Min Spend Interval: 3 months

Shutdown Risk Triggers: Manufactured spending, high cumulative credit limit across multiple BreadFinance/Comenity accounts, suspicious spending patterns, repeated late payments, account inactivity for extended periods, abuse of return policies or rewards programs.

Cliff Effect Rules: Bonus eligibility is generally restricted to new cardmembers. While there are no explicit 'card family' rules like those found with premium travel cards, existing BreadFinance/Comenity cardholders may face stricter underwriting for new applications if their total credit exposure with the issuer is deemed high.

Special Events: Exclusive cardmember discounts, early access to sales events, birthday offers, bonus points promotions on specific product categories, free shipping promotions for cardholders, and special financing offers on large purchases.

Holiday Promos: Black Friday/Cyber Monday, Memorial Day, Labor Day, 4th of July, Christmas/Holiday Season, Father's Day, and seasonal hunting/fishing events.

International Friendly: No

User Analytics & Insights
PENDING
User Ratings

Average Rating: 3.2 / 5.0

Top Positive:
Good rewards for Sportsman's Guide purchases, exclusive discounts, easy application process.

Top Negative:
High APR, poor customer service from Comenity, rewards only valuable at Sportsman's Guide, limited benefits outside the store.

Approval Experience: 65.0 / 100

Recommended Alternatives
  • Cabela's CLUB Card
  • Bass Pro Shops CLUB Card
  • Capital One SavorOne Cash Rewards Credit Card

Card Value Score: 70.0 / 100

Est. Annual Rewards: $150.00

Approval Probability: 75.0%

Version Control
PENDING

Version ID: January 2024