BR
Bread Financial

Sportsman's Warehouse Credit Card

Store Standard 25 Points Bonus
$0 Annual Fee
19.99%–28.99% Variable Purchase APR
25 Welcome Bonus
580+ Recommended FICO
Points Reward Type
Browse Cards Bread Financial Sportsman's Warehouse Credit Card

Welcome Bonus

25 Points
Welcome Bonus
Bonus Posted Applied to first purchase on same day of account opening

Rewards

Reward TypePoints
Base Rate1x / 1%
Bonus RateUp to 5x
Point Value~0.01¢ each
ExpirationPoints expire 12 months from the date they are earned.
CategoryRateTypeCap
Sportsman's Warehouse Purchases 5x Points No cap
All Other Purchases 1x Points No cap

Benefits & Protections

BenefitCategoryValue / Coverage
No Annual Fee
The card has no annual fee.
Financial $0
Up to $0
Special Financing Offers
Access to special financing promotions on qualifying purchases made at Sportsman's Warehouse.
Financial Varies by offer
Everyday Purchase Rewards
Earn 1 point for every $1 spent on all other eligible purchases made with the card.
Rewards 1x points
Gas & Grocery Purchase Rewards
Earn 2 points for every $1 spent on eligible gas and grocery purchases.
Rewards 2x points
New Cardholder Bonus Certificate
Receive a $25 Sportsman's Warehouse Bonus Certificate after spending $500 outside of Sportsman's Warehouse within the first 90 days of account opening.
Rewards $25
Up to $25
Points Redemption for Store Certificates
Points are automatically converted into $10 Sportsman's Warehouse Certificates for every 1,000 points earned, redeemable for purchases at Sportsman's Warehouse.
Rewards $10 per 1,000 points
Sportsman's Warehouse Purchase Rewards
Earn 5 points for every $1 spent on purchases made at Sportsman's Warehouse stores or online.
Rewards 5x points
Zero Fraud Liability
Cardholders are not responsible for unauthorized charges made with their card.
Security Complimentary

Interest Rates

Purchase APR19.99%–28.99% Variable
Balance Transfer APR28.99%
Cash Advance APR29.99%
Min. Interest Charge$2
Deferred Interest Warning: Interest will be charged to your account from the purchase date if the promotional balance is not paid in full within 6 months.

Fees

Annual Fee $0 — No Annual Fee
Foreign Transaction FeeNone
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

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
Student EligibleYes
Co-ApplicantNot allowed
Business EligibleNo
Credit Limit Range $300 – No limit listed

Issuer Rules & Restrictions

Shutdown Risk Triggers
Excessive credit-seeking, high credit utilization, missed payments, or suspected fraud.
International Friendly
May have limitations for international use.
Additional Issuer Rules
The primary welcome offer for the Sportsman's Warehouse Credit Card is 15% off the first purchase made with the new card. Bread Financial (Comenity) does not enforce widely documented complex application restrictions like 5/24 or once-per-lifetime rules. Approval is primarily based on individual creditworthiness and recent credit activity, with sensitivity to new accounts and inquiries.
Military & Hardship
MLA Compliant
Complies with the Military Lending Act (36% APR cap for active duty servicemembers).
SCRA Benefits
Reduced interest rates on pre-service obligations for eligible servicemembers.
Hardship Program
Hardship program available.
Bread Financial
$0
Annual Fee
Apply Now
You will be redirected to the issuer's secure website.

Welcome Bonus 25 Points
APR 19.99%–28.99% Variable
Quick Summary
Annual Fee Free
RewardsPoints
Welcome Bonus25 Points
Min. FICO580+
Card TypeStore
Online
Ask any doubts about cards.
Gemini 2.2 Ver