Academy Sports + Outdoors Credit Card
MastercardIssued by Comenity Capital Bank
Receive an instant 5% off purchases at Academy Sports + Outdoors, free shipping with no minimum, and 1% back everywhere else.
ANNUAL FEE
$0
No annual fee for this card.
PURCHASE APR
33.24% – 33.24%
Rate based on prime rate.
SIGN-UP BONUS
30
Get $30 off your first purchase of $30 or more at Academy when you open and use your card today.
TOP CASH BACK
5% off
Receive an instant 5% discount on eligible purchases made in-store and online at Academy Sports + Outdoors.
Key Benefits
- 5% off your purchases at Academy Sports + Outdoors
- Free shipping on purchases at Academy with no minimum
- No annual fee
- Can be used anywhere Mastercard is accepted
Important Limitations
- Carrying a balance (due to high retail card APR)
- General travel rewards or premium perks
- International purchases
Rewards Structure
| Purchase Category | Rate | Annual Limits | Details |
|---|---|---|---|
| Academy Sports + Outdoors Purchases | 5% off | Unlimited (no annual cap) | • Academy Sports + Outdoors |
| All | 1% cash back | Unlimited (no annual cap) | Earn 1% back on all other net eligible purchases everywhere Mastercard is accepted. |
Fees & APR
ANNUAL FEE
$0
REGULAR PURCHASE APR
33.24% – 33.24%
CASH ADVANCE APR
34.24% – 34.24%
FOREIGN TRANSACTION FEE
3%
LATE PAYMENT FEE
$41
BALANCE TRANSFER FEE
$10 OR 5%
CASH ADVANCE FEE
$10 OR 5%
Card Protection & Benefits
Free Shipping
- ✓Receive free standard shipping on all Academy.com purchases with no minimum spend required when you use your card.
Security Features
- ✓Mastercard Zero Liability – Protection against unauthorized purchases made on your account.
Best Use Cases
IDEAL FOR
- Frequent Academy Sports + Outdoors shoppers
- Outdoor enthusiasts and athletes
- Families buying sports equipment and apparel
- Avoiding online shipping fees on small orders
NOT RECOMMENDED FOR
- Carrying a balance (due to high retail card APR)
- General travel rewards or premium perks
- International purchases
Maximize Your Rewards Strategy
Months 1–1: Hit the Bonus
- Spend $30.00 to unlock $30.00 bonus
- Effective 100% return on first $30.00
- Time large purchases strategically
- Track progress toward spending goal
- Don't overspend just for the bonus
Earn More Cash Back
- 5% off on Academy Sports + Outdoors Purchases
- 1% cash back on All
- Set up autopay to avoid late fees
- Review partner programs for bonus opportunities
Ongoing: Optimize Categories
- Prioritize highest-rate qualifying expenses first
- Monitor any annual spending thresholds
- Redeem cash back at minimum thresholds
- Set up autopay to avoid late fees
- Review new offers each year
Customer Support:
1-800-217-8071
Last updated: Mar 13, 2026
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