Academy Credit Card Review: Everything You Need to Know

Academy Sports + Outdoors is a popular sporting goods store chain in the United States that offers a credit card for its loyal customers. The Academy Credit Card is issued by U.S. Bank National Association, and it is designed to provide users with an array of benefits and rewards.

If you are an avid shopper at Academy Sports + Outdoors, the Academy Credit Card may be a good choice for you. In this review, we will take a closer look at the features, benefits, fees, and drawbacks of this credit card.

Features of the Academy Credit Card

The Academy Credit Card is a basic credit card that is designed to offer a simple and convenient shopping experience. Here are some of its key features:

• Rewards Program: Cardholders earn 1 reward point for every dollar spent at Academy Sports + Outdoors, and they can redeem their points for merchandise, gift cards, and other rewards.
• Sign-Up Bonus: New cardholders can earn a $15 statement credit after making their first purchase with the Academy Credit Card.
• EasyPay: This feature allows cardholders to make purchases with the Academy Credit Card and pay for them over time, subject to interest charges.
• Special Financing Offers: The Academy Credit Card offers special financing options for large purchases, such as zero interest if paid in full within 6 months or 12 months on purchases of $299 or more.

Benefits of the Academy Credit Card

The Academy Credit Card offers several benefits to its users, including:

• Exclusive Discounts: Cardholders receive exclusive discounts and offers on Academy Sports + Outdoors merchandise and services.
• Free Standard Shipping: Cardholders can enjoy free standard shipping on Academy Sports + Outdoors purchases made with the Academy Credit Card.
• Online Account Management: Cardholders can manage their account online, including viewing their balance, making payments, and reviewing transaction history.
• Fraud Protection: The Academy Credit Card offers fraud protection to its users, including zero liability for unauthorized transactions.

Fees of Academy Credit Card

While the Academy Credit Card has several benefits, it also comes with certain fees that cardholders should be aware of. Here are some of the fees associated with the Academy Credit Card:

1. Late Payment Fee: If a cardholder misses a payment or pays their bill late, they will be charged a late payment fee of up to $39.
2. Cash Advance Fee: If a cardholder uses their Academy Credit Card for a cash advance, they will be charged a fee of either $10 or 4% of the cash advance amount, whichever is greater.
3. Foreign Transaction Fee: If a cardholder uses their Academy Credit Card for purchase outside of the United States, they will be charged a fee of 2% of the transaction amount.

How to Apply for the Academy Credit Card

If you are interested in applying for the Academy Credit Card, you can do so online or in-store at an Academy Sports + Outdoors location. To apply, you must be at least 18 years old and a resident of the United States.

To apply online, visit the Academy Sports + Outdoors website and fill out the application form. You will need to provide your personal information, including your name, address, Social Security number, and income information. U.S. Bank will review your application and let you know if you are approved.

Application Process for Academy Credit Card

The application process for the Academy Credit Card is simple and straightforward. Here are the steps to apply:

1. Visit the Academy Credit Card webpage at www.academy.com/creditcard.
2. Click on the “Apply Now” button to start the application process.
3. Fill out the application form with your personal information, including your name, address, and social security number.
4. Agree to the terms and conditions of the card.
5. Submit your application and wait for the approval decision.

If you are approved for the Academy Credit Card, you will receive your card in the mail within 7-10 business days. Once you receive your card, you can activate it online or by calling the phone number provided with your card.

Academy Credit Card Activation

To activate your Academy Credit Card, you have a couple of options. You can activate your card online or over the phone. Here are the steps to follow:

Online Activation:

• Go to the Academy Credit Card page on the U.S. Bank website.
• Click on the “Activate Card” button located in the upper right-hand corner of the screen.
• Enter your credit card number and your Personal ID, and click “Continue.”
• Follow the prompts to verify your identity and activate your card.

Activation by Phone:

• Call Academy Credit Card customer service at 1-(877) 321-8509.
• Follow the prompts to speak with a representative and activate your card.

Whichever method you choose, be sure to have your credit card number and other personal information on hand to verify your identity. Once your card is activated, you can start using it to make purchases and earn rewards.

Academy Credit Card Login

If you already have an Academy Credit Card and need to access your account, you can log in through the U.S. Bank website. Here are the steps to follow:

1. Go to the Academy Credit Card page on the U.S. Bank website.
2. Click on the “Log In” button located in the upper right-hand corner of the screen.
3. Enter your Personal ID and click “Log In.”
4. On the next page, enter your Password and click “Log In” again.

If you’re logging in for the first time, you’ll need to set up your account by selecting a Personal ID and Password. You may also be asked to provide additional information, such as your Social Security number or date of birth, to verify your identity.

Academy Credit Card Payment Phone Number

To make a payment on your Academy Credit Card over the phone, you can call Academy Credit Card customer service at 1-(877) 321-8509. Follow the prompts to speak with a representative and make a payment using your checking account or debit card.

You can also make a payment online by logging into your account on the U.S. Bank website and selecting the “Payments” option. From there, you can set up automatic payments, make a one-time payment, or schedule a future payment.

Another option is to make a payment by mail. Send a check or money order along with your payment coupon to the address listed on your statement. Be sure to allow enough time for your payment to be received and processed before your due date.

Remember to always make at least the minimum payment on your Academy Credit Card by the due date to avoid late fees and penalties.

Academy Credit Card Easy Pay

Academy Credit Card offers an Easy Pay option that allows you to make purchases and pay for them over time with interest-free payments. With Easy Pay, you can choose to split your purchase into 4 equal payments, which are automatically charged to your credit card every two weeks.

To use Easy Pay, simply select the option at checkout when making a purchase at Academy Sports + Outdoors. There are no additional fees or interest charges for using this service, and it’s available for purchases between $50 and $1,000.

To be eligible for Easy Pay, you must have an Academy Credit Card in good standing and be up-to-date on all payments. Keep in mind that if you miss a payment, you may be charged a late fee and may lose the ability to use Easy Pay in the future.

Using Easy Pay can be a convenient way to manage your purchases and make them more affordable over time, without having to pay interest charges or fees. Just be sure to budget accordingly and make all of your payments on time to avoid any penalties.

Academy Credit Card Balance Check

To check your Academy Credit Card balance, you have a few options:

1. Online: Log in to your account on the U.S. Bank website and navigate to the “Account Summary” page. Here, you can view your current balance, available credit, and recent transactions.
2. Mobile App: If you have the U.S. Bank mobile app, you can check your balance and transactions on your smartphone or tablet.
3. Phone: Call Academy Credit Card customer service at 1-877-321-8509 and follow the prompts to check your balance over the phone.
4. Paper Statement: Your monthly statement will also include your balance and recent transactions. Be sure to review your statement carefully and make at least the minimum payment by the due date to avoid late fees and penalties.

Checking your balance regularly can help you stay on top of your spending and ensure that you are not exceeding your credit limit. Remember to also monitor your account for any unauthorized transactions and report them immediately to Academy Credit Card customer service.

Academy Credit Card customer service

If you have questions or concerns about your Academy Credit Card, you can contact customer service at:

• Phone: 1-877-321-8509 (available 24/7)
• Email: You can send a secure message through your online account or the U.S. Bank mobile app
• Mail: Academy Credit Card, P.O. Box 790408, St. Louis, MO 63179-0408

Academy Credit Card customer service representatives can assist with a variety of issues, including:

• Account inquiries and disputes
• Billing and payment questions
• Technical assistance with online and mobile banking
• Lost or stolen cards
• Rewards and benefits information

If you need to report fraud or unauthorized activity on your Academy Credit Card, contact customer service immediately. They can help you cancel your card and issue a new one, as well as investigate any suspicious transactions.

Frequently Asked Questions About Academy Credit Card

How do I pay my Academy Credit Card bill?

You can pay your Academy Credit Card bill online through the U.S. Bank website or the Academy Sports + Outdoors website. You can also make payments by phone by calling 1- (877) 321-8509.

How much credit do I need for Academy Credit Card?

The credit limit for the Academy Credit Card varies depending on your credit score and other factors. When you apply for the card, U.S. Bank will determine your credit limit based on your creditworthiness.

How long does it take to receive Academy Credit Card?

Once you’re approved for the Academy Credit Card, you can expect to receive it in the mail within 7-10 business days.

Who does Academy Credit Card Bank with?

The Academy Credit Card is issued by U.S. Bank.

Can you use Academy Credit Card at ATM?

No, you cannot use your Academy Credit Card at an ATM. The card can only be used for purchases at Academy Sports + Outdoors and other retailers that accept Visa credit cards.

How do I pay my credit card monthly?

You can pay your Academy Credit Card monthly by making a payment online, by phone, or by mail. You can set up automatic payments through EasyPay to ensure that your payments are always made on time.

Can I use my Academy Credit Card at Walmart?

It depends on whether the Walmart store you’re shopping at accepts Visa credit cards. If they do, then you can use your Academy Credit Card to make purchases.

Conclusion

Academy Credit Card is a great option for frequent shoppers at Academy Sports + Outdoors. The card offers a range of benefits, including rewards points, special financing offers, and exclusive discounts. Managing your account is easy through the U.S. Bank website or the Academy Sports + Outdoors website, and customer service is available if you have any questions or concerns. Overall, if you’re a frequent shopper at Academy Sports + Outdoors, getting an Academy Credit Card could be a smart move that saves you money and rewards you for your loyalty.