Have a Good Chance of Approval For Academy Credit Card

Academy Credit Card

Store credit cards often provide good deals and offer when buying their merchandise. If you frequently purchase a product from a brand like Academy Sports + Outdoors then getting their Visa credit card offers will be a good choice.But if you wish to get approved for an Academy Credit Card, you need to have a fair credit rating with decent credit history with a minimum debt obligation. You must have at least a 638 credit score to be eligible. You also need to take note of its annual percentage rate (APR), which is above 20%, or the interest charge added to the monthly fees you have to pay for your credit card.

Academy credit card approval odds for Approval

Thus, you should have a good credit score before applying for an Academy Credit Card. If your score is too low, you have to improve your credit score first. There are more benefits you can get if you have a good credit score. Academy sports credit card score needed :

Excellent Credit 750 – 850
Good Credit 700 – 749
Fair Credit 640 – 699

What is an Academy Credit Card?

It is a credit card issued by Comenity Bank. This card allows Academy Sports + Outdoors’ loyal customers to earn rewards and avail discounts on their purchases. It may not be one of the most popular credit cards in the market, but it has many great values.

Features and Benefits of Using The Credit Card

Just right after you get approved for an Academy Credit Card while shopping in their store, you will earn a $15 discount for your purchase. But if your application review takes longer, you will get a $15 statement credit to any Academy purchase instead.However, both of these scenarios require you to spend a minimum of $15 before getting the discount. And after making your first purchase within the first 60 days, you will earn up to 1,000 bonus points.As an Academy Credit Cardholder, you can earn five points with each dollar spent at Academy Sports + Outdoors. If you use it for gas station purchases, you will earn two points per dollar. Per billing cycle, you can get a bonus capped at $159. For other purchases you make, you can earn one point per dollar you spend.Most store cards don’t allow purchases outside of their store’s networks, unlike the Academy Credit Card. Because of this, you can say it has a unique feature and potential value.The Academy Credit Card has two different cards. The first one is the Academy Sports + Outdoors Visa and the Academy Sports + Outdoors Visa Signature. Your creditworthiness will determine the type of card you are qualified to get.

  • Get a $15 discount on your first Academy Sports purchase
  • Earn 5 points per dollar for Academy Sports purchases
  • You Earn 2 points on gas station purchases
  • Earn 1 point for all other purchases
  • Either no annual fee or $29, based on your creditworthiness

Academy Credit Card’s Rewards Points Values

For every dollar you will spend using your Academy Credit Card, you can earn points. But you only have limited options for redemption. You can only use the points you earn to purchase products at Academy.Each point you earn is equivalent to one cent. For every 2,500 points you earn, you will have a $25 gift card you can use in the store. If you use the U.S. Bank credit card at Academy Sports, you can get a 5% return. So for every $500 you spend, you can get $25 back.

How Much Can You Earn Using This Credit Card?

The amount you can earn depends on your usage. You can receive unlimited rewards with every purchase using the card, except for gas purchases that have a monthly cap. So the more you swipe your Academy Credit Card, the more points you can earn.

Should You Get This Credit Card?

The question remains whether you should get an Academy Credit Card or not. Academy Credit Cards are pretty generous in giving five points with every dollar purchase at Academy stores. But it may not be the best card you can use, especially if you are not always buying products at Academy.The rewards you can earn are only limited to Academy Sports. Additionally, you can’t redeem your points anytime you want. Therefore, you will receive reward certificates by mail once you reach 2,500 points.If you are after flexibility, then the Academy Credit Card might not be the card for you. You should look at other general credit cards that offer cashback for most purchases everywhere. But if you love purchasing products at Academy and are frequently shopping at their stores, then you should apply for one, especially if you have good credit scores.


As with most store cards, this card is pretty much only useful if you spend a considerable amount at Academy Sports + Outdoors.

You’ll get 5% cashback on all purchases at Academy Sports in-store and online, and free standard shipping on orders of $15 or more. This card has no annual fee. Unfortunately, if you’re looking for the Visa version from U.S. Bank, it is no longer available for new applicants.

Mostly asked question (F.A.Q)

What is the process to Academy Credit Card apply?

You can apply for Academy Credit Card through Academy’s website, or by filling out an application at your local Academy store. Keep in mind that in-store applications require you to present a valid government-issued photo ID. Unfortunately, phone applications are not possible for the Academy Sports + Outdoors Credit Card.

Credit score needed for academy sports card for approval?

A minimum 638 credit score is required to qualify for the Academy Sports + Outdoors Credit Card. Just having a credit score at or above that number does not guarantee your approval. Issuers take a variety of other factors into account, including your income and existing debt obligations.

How to pay academy sports credit card?

Academy sports credit card payments can be done online or over the phone. To pay your Academy Credit Card bill online, log into your account on Comenity Bank’s Academy portal. Navigate to the “Payments” section and add your bank account and routing number. Then, choose your payment date and payment amount.

To make your Academy Credit Card payment over the phone, call the number on the back of your credit card and enter your credit card number when prompted. You should be able to make a payment through the automated system. But you can also opt to speak to a customer service rep who can handle processing your payment.

How long does it take to get approved for the Academy Credit Card?

Most Academy credit card approval decisions are instant but in some cases, it can take up to a week.

You can check your U.S. Bank credit card application status by either logging into your U.S. Bank account online or calling customer service at 800-947-1444 and providing your Social Security number. You’ll find out if your application is approved, denied, or pending.

Written by theamitos