Top 8 Things to Know About the Academy Credit Card

Jan 24, 2024 By Susan Kelly

Navigating the world of credit cards can be a daunting task with a myriad of options available. Among them, the Academy Credit Card stands out as an excellent financial tool, especially for those who value rewards and convenience. Ideal for both big-ticket purchases and everyday spending, this card offers a host of benefits that savvy consumers will find appealing. From exclusive discounts and cash back rewards to easy online management, the Academy Credit Card is designed to meet your diverse financial needs while providing the flexibility you desire. This guide will delve into the top eight things you need to know about the Academy Credit Card, helping you make an informed decision about whether this credit card is the best fit for your financial lifestyle.

What is the Academy Credit Card?

The Academy Credit Card is a co-branded credit card offered by Academy Sports + Outdoors and US Bank. It is designed for frequent shoppers at Academy stores and online, offering a range of incentives and perks that make it ideal for those who frequently make purchases in-store or online.

How to Apply for an Academy Credit Card?

To apply for an Academy Credit Card, you can visit any Academy Sports + Outdoors store or apply online through the US Bank website. In-store applications usually require a valid form of identification and proof of income, while online applications will require similar information as well as your Social Security number.

8 Things to Know About the Academy Credit Card

1. Rewards Program

The Academy Credit Card offers a rewards program that allows you to earn points on every purchase made with the card. For every dollar spent at Academy Sports + Outdoors stores, you will earn 5 points, and for every dollar spent elsewhere, you will earn 1 point. Once you accumulate 2,500 points, you can redeem them for a $25 Academy Rewards Card.

2. Special Financing Options

In addition to the rewards program, the Academy Credit Card also offers special financing options for larger purchases. Depending on your creditworthiness, you may be eligible for 0% APR financing for 6, 12, or 18 months on purchases over $199. This makes it a great option for those looking to make a big purchase and spread out the payments without incurring high interest rates.

3. No Annual Fee

Unlike some other credit cards, the Academy Credit Card does not charge an annual fee for card ownership. This means you can enjoy the benefits of this card without worrying about any additional fees eating into your rewards or savings.

4. Exclusive Discounts

Cardholders also have access to exclusive discounts and promotions at Academy Sports + Outdoors stores. These discounts are in addition to any rewards earned through the points system, giving you even more savings opportunities.

5. Online Account Management

The Academy Credit Card offers a convenient online platform for managing your account. From checking your balance and making payments to tracking your rewards and updating your personal information, the online account management system makes it easy to stay on top of your finances.

6. Mobile App Access

For even more convenience, the Academy Credit Card has a mobile app that allows you to manage your account on-the-go. You can easily view your balance, make payments, and track your rewards from your smartphone or tablet.

7. Fraud Protection

The Academy Credit Card offers fraud protection to give you peace of mind when using your card for purchases. If there are any unauthorized charges on your account, you will not be held responsible for them.

8. Visa Benefits

As a Visa-branded credit card, the Academy Credit Card also comes with the benefits and perks offered by Visa. This includes purchase protection, extended warranties, and travel insurance coverage.

Is the Academy Credit Card Right for You?

Now that you know the top eight things to know about the Academy Credit Card, it's time to determine if this card is the right fit for your financial needs. If you are a frequent shopper at Academy Sports + Outdoors and value rewards and convenience, then this card may be a great option for you. However, if you rarely shop at Academy or prefer different rewards programs, it may be worth exploring other credit card options that better align with your spending habits and financial goals. Ultimately, the decision is yours to make – just make sure to do your research and compare all of your options before making a final decision.

Credit Score Requirements

It's important to note that the Academy Credit Card does have credit score requirements for approval. While US Bank does not disclose the exact credit score range needed, it is recommended to have at least a fair credit score (typically around 580 or higher) to increase your chances of being approved.

Tips for Managing Your Academy Credit Card

Once you have been approved and received your Academy Credit Card, there are a few tips to keep in mind to ensure you make the most of this financial tool.

  • Always pay your bill on time: Late payments can result in fees and damage your credit score. Set up automatic payments or make sure to schedule reminders so you never miss a payment.
  • Use your card responsibly: It can be tempting to overspend when using a credit card, but it's important to remember that you will still need to pay off the balance. Only make purchases that you can afford and always keep track of your spending.
  • Take advantage of rewards: Make sure to use your Academy Credit Card for all eligible purchases to earn points and take advantage of exclusive discounts. Just be sure to pay off the balance each month to avoid accruing interest.
  • Regularly review your account: Keep an eye on your account activity and rewards points to make sure everything is accurate and up-to-date. If you notice any discrepancies or have any questions, don't hesitate to contact customer service for assistance.


The Academy Credit Card offers a variety of benefits and perks for those who frequently shop at Academy Sports + Outdoors. From rewards to special financing options, it's worth considering if you are in the market for a new credit card. Just remember to use it responsibly and always make on-time payments to maintain a good credit score and get the most out of your card. So, if you're an avid shopper at Academy or someone who loves to earn rewards on your purchases, the Academy Credit Card may be a great fit for you. Apply now and start enjoying all the benefits this card has to offer!

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