Have a Good Chance of Approval For Academy Credit Card in 2021


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 Academy.com 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.

What credit score is needed for the Academy Credit Card?

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.

How much is the starting Academy Credit Card credit limit?

The Academy Sports + Outdoors Credit Card’s starting credit limit can be as low as $100. But yours can be more, depending on your creditworthiness. The issuer will take more factors into consideration when deciding your credit limit, such as your:

Credit score
And if you always pay your bills on time and stay well below your credit limit, in time you might qualify for a credit limit increase.

Can I pay academy credit card in-store?

No, you cannot pay your Academy Credit Card in-store.

Does the Academy Credit Card report to all credit bureaus?

The activity on your Academy credit card will be reported to all credit bureaus on a monthly basis.

How much is the Academy Credit Card minimum payment?

The Academy Sports + Outdoors Credit Card’s minimum payment is either $29 or 5% of your balance plus any past due amount, whichever is greater. You can find your card’s exact minimum payment on your monthly statement.

By paying the monthly minimum, you can keep your account in good standing, but you’ll still have to pay interest for the balance you carry. On the other hand, if you pay your bills in full each month, you won’t be charged interest.

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