BR
Bread Financial · Visa

Sportsman's Guide® Visa® Credit Card

Co-branded Standard 20 Points Bonus
$0 Annual Fee
20.24%–30.24% Variable Purchase APR
20 Welcome Bonus
670+ Recommended FICO
Points Reward Type
Browse Cards Bread Financial Sportsman's Guide® Visa® Credit Card

Welcome Bonus

20 Points
Welcome Bonus

Rewards

Reward TypePoints
Base Rate1x / 1%
Bonus RateUp to 3x
Point Value~0.01¢ each
ExpirationPoints will expire 24 months after the date they are earned.
CategoryRateTypeCap
Sportsman's Guide Purchases 3x Points No cap
Gas & Groceries 2x Points No cap
All Other Purchases 1x Points No cap

Benefits & Protections

BenefitCategoryValue / Coverage
New Cardholder Welcome Offer
Get $20 off your first Sportsman's Guide purchase when you open and use your new Sportsman's Guide Visa Credit Card.
Credits $20
Up to $20
No Annual Fee
There is no annual fee for card membership.
Financial $0
Up to $0
Rewards Program Eligibility
Account must be open and in good standing to earn and redeem rewards points and certificates.
Financial
Bonus Rewards on Gas & Groceries
Earn 2 points for every $1 spent on eligible gas and grocery purchases.
Rewards 2x points
Bonus Rewards on Sportsman's Guide & Guide Outdoors Purchases
Earn 3 points for every $1 spent on purchases made at Sportsman's Guide and Guide Outdoors.
Rewards 3x points
Points Expiration
Points earned expire 24 months after the date they are earned.
Rewards 24 months
Rewards Certificate Expiration
Sportsman's Guide Rewards Certificates expire 90 days from their issue date.
Rewards 90 days
Rewards Certificate Redemption
Redeem 1,000 points for a $10 Sportsman's Guide Rewards Certificate.
Rewards $10 per 1,000 points
Standard Rewards on All Other Purchases
Earn 1 point for every $1 spent on all other purchases everywhere Visa credit cards are accepted.
Rewards 1x points

Interest Rates

Purchase APR20.24%–30.24% Variable
Balance Transfer APR30.24%
Cash Advance APR32.24%
Penalty APR29.99%
Min. Interest Charge$2

Fees

Annual Fee $0 — No Annual Fee
Foreign Transaction Fee3%
Balance Transfer FeeEither $10 or 5% of the amount of each transfer, whichever is greater.
Cash Advance FeeEither $10 or 5% of the amount of each cash advance, whichever is greater.
Late Payment FeeUp to $41
Returned Payment FeeUp to $41

Approval & Eligibility

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

Issuer Rules & Restrictions

Shutdown Risk Triggers
Excessive applications across Comenity's portfolio, high credit utilization on Comenity accounts, defaulting on payments, abuse of promotional financing offers, manufactured spending.
International Friendly
May have limitations for international use.
Additional Issuer Rules
Bread Financial (Comenity) generally focuses on creditworthiness for approval and does not enforce strict application velocity rules like 'X/24' or 'once-per-lifetime' bonus restrictions. Welcome offers are typically straightforward, often tied to the first purchase or a simple spend threshold, without complex bonus clawback rules for repeat applicants.
Military & Hardship
MLA Compliant
Complies with the Military Lending Act (36% APR cap for active duty servicemembers).
SCRA Benefits
0% APR on pre-service balances for eligible servicemembers during active duty.
Hardship Program
Hardship program available.
Bread Financial
$0
Annual Fee
Apply Now
You will be redirected to the issuer's secure website.

Welcome Bonus 20 Points
APR 20.24%–30.24% Variable
Quick Summary
Annual Fee Free
RewardsPoints
Welcome Bonus20 Points
Min. FICO670+
NetworkVisa
Card TypeCo-branded
Online
Ask any doubts about cards.
Gemini 2.2 Ver