Academy Sports Credit Card: Should You Apply or Avoid It?

Academy Sports Visa cardMost store cards are a rotten deal. Is Academy Sports an exception to the status quo or not? Review these 5 things and decide for yourself.

1. The Rewards

  • 5 points/dollar spent at Academy Sports locations as well as their website.
  • 1 point/dollar elsewhere (can be used wherever Visa is accepted).
  • 2,500 points = $25 gift card, when means you are earning 5% and 1%, respectively.

Verdict? For purchases at their store, the Academy Sports credit card is an excellent choice. Especially considering that they sell everything from clothes to camping gear, as well as things you may not expect from a sporting goods store like BBQs and patio furniture.

Elsewhere, 1% is a bit on the low side so you may want to use a different card that gives you bonus categories and/or a better bonus offer.

2. Signup Offer

  • $15 off when you open an account in-store.

Verdict? I think everyone would agree that $15 is pretty disappointing for a credit card bonus. Also, keep in mind that an online application presumably won’t get the bonus, since the website specifically says “when you open an account in-store.”

3. Interest Rates

As I write this review (August 2013), they were offering this on new accounts:

  • 0% intro APR for the first 12 billing cycles on purchases and balance transfers.
  • After the promotion ends, the regular APR is 11.24% to 23.24% (the exact rate is based on credit score and history).

Verdict? Both of these are down the middle – not amazing, but not bad either. Actually being that the Academy Sports Visa is a store card, it’s quite good for its category. However some bank cards have longer 0% offers than this.

4. Card Type & Issuer

  • Visa Signature with qualifying credit, otherwise you only get Visa Platinum.
  • Managed/issued by US Bank.

Verdict? Both of these are good news. The “Signature” tier of Visa will give you added benefits like concierge, extended warranty, and purchase security on eligible items. Meanwhile US Bank is a respectable company with a fairly good reputation for customer service.

5. Annual Fee

Per the application, you may have to pay a $29 fee for the credit card from Academy Sports:

info about annual fee

Verdict? Now this is a bit sneaky. With almost every credit card on the market, you know the annual fee before you apply. It’s especially surprising that they don’t disclose this prominently on the website (I didn’t see it until studying the fine print on the application). This is possible “gotchya” you might be hit with if you don’t have outstanding credit.

This review was written or last updated August 16, 2013

The responses below are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser's responsibility to ensure all posts and/or questions are answered.

Here’s something else that’s sneaky!
Although the perks are great if you tend to shop at academy you have to take into account US banks payment processing. You get 0% APR as long as you do not have a missed payment. Easy, right? Wrong! I bank at chase and always make my payment on the due date and there have never been any issues. Chase counts the date you applied payment not the length of time it takes them to process a payment like US Bank. I paid my first statement on the due date and they charged me a late fee…their response? It takes them a few days to process the payment and they don’t count the fact that you submitted your payment on the due date. It took me by surprise…so goodbye 0% for 12 months!

I would like to apply

I would like to apply