BR
Bread Financial

myAcademy® Rewards Credit Card

Store Standard 30 Points Bonus
$0 Annual Fee
See terms Purchase APR
30 Welcome Bonus
580+ Recommended FICO
Points Reward Type
Browse Cards Bread Financial myAcademy® Rewards Credit Card

Welcome Bonus

30 Points
Welcome Bonus
Spend $30 in the first 1 days
Bonus Posted Applied immediately at point of first qualifying purchase on the day of account opening. Application and approval must occur same day. If approved online, first purchase must be made in the same session as approval. Cannot be combined with 5% cardmember discount. Valid one time only.

Rewards

Reward TypePoints
Base Rate1x / 1%
Bonus RateUp to 2x
Point Value~0¢ each
ExpirationPoints expire 12 months from the date they are earned. Rewards expire 60 days from issuance.
CategoryRateTypeCap
Academy Sports + Outdoors
On purchases made at Academy Sports + Outdoors stores or at academy.com.
5x Points No cap
All Other Purchases
On purchases made everywhere else Visa credit cards are accepted.
1x Points No cap

Benefits & Protections

BenefitCategoryValue / Coverage
First Purchase Discount
Receive a percentage discount on your first purchase made with your new myAcademy® Rewards Credit Card at Academy Sports + Outdoors.
Credits 15% off first purchase
No Annual Fee
There is no annual fee charged for maintaining the myAcademy® Rewards Credit Card account.
Financial $0
Up to $0
Promotional Financing Offers
Access special financing options on qualifying purchases at Academy Sports + Outdoors, allowing you to pay over time with deferred interest.
Financial Varies by promotion
Online Account Management
Conveniently manage your account, view statements, track rewards, and make payments online 24/7 through Comenity's secure portal.
Other Complimentary
Academy Sports + Outdoors Rewards Points
Earn 2 points for every $1 spent on purchases made at Academy Sports + Outdoors with your myAcademy® Rewards Credit Card.
Rewards 2 points per $1
Rewards Redemption
Redeem 1,000 accumulated points for a $10 Academy Sports + Outdoors Reward Certificate, which can be used towards future purchases.
Rewards $10 per 1,000 points
Fraud Protection
You are protected against unauthorized charges made on your account, providing peace of mind for your purchases.
Security Complimentary
Exclusive Cardholder Promotions
Receive exclusive discounts, special offers, and early access to sales events available only to myAcademy® Rewards Credit Cardholders.
Shopping Varies

Approval & Eligibility

580 Recommended minimum FICO · Range 580–739
300 Poor580 Fair 670 Good740 Very Good 800+ Exceptional
Approval DifficultyModerate
Credit ProfileFair
Approval OddsGood
Decision TimeInstant
Pre-QualificationNot available
Co-ApplicantNot allowed
Business EligibleNo

Issuer Rules & Restrictions

Shutdown Risk Triggers
Excessive credit seeking, non-payment, suspected fraud, high credit utilization across all cards.
International Friendly
May have limitations for international use.
Additional Issuer Rules
Comenity Capital Bank typically offers straightforward welcome bonuses, often tied to the first purchase, without complex eligibility restrictions like 'once-per-lifetime' or '48-month' rules seen with major issuers. While there is no strict '5/24' rule, frequent applications for Comenity cards can lead to denials due to perceived credit seeking.
Military & Hardship
MLA Compliant
Complies with the Military Lending Act (36% APR cap for active duty servicemembers).
SCRA Benefits
Interest rate on pre-service balances capped at 6% APR during active duty per federal SCRA requirements. No additional benefits beyond the statutory minimum are publicly disclosed by Comenity Capital Bank for this card.
Hardship Program
Hardship program available.
Bread Financial
$0
Annual Fee
Apply Now
You will be redirected to the issuer's secure website.

Welcome Bonus 30 Points
Quick Summary
Annual Fee Free
RewardsPoints
Welcome Bonus30 Points
Min. FICO580+
Card TypeStore
Online
Ask any doubts about cards.
Gemini 2.2 Ver