Academy Credit Card Payment: Online, by Phone and by Mail

Academy Credit Card Payment: Online, by Phone and by Mail

Academy Sports + Outdoors is a sporting goods and outdoor recreational products store in the U.S. It operates through the namesake brand and several others including Magellan Outdoors, BCG, O’rageous, and Outdoor Gourmet.

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The retailer offers the Academy credit card issued by Comenity Capital Bank (Visa) through which Academy Sports offers enticing rewards, among them: $15 off your first purchase, 5% off future purchases, and free standard shipping.

Here’s all you need to know about the Academy Sports credit card, including payments, approval requisites and credit scores, how to manage your account, and much more.

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Online Account Access

Like many retailer cards, the Academy Sports card offers online account access through Comenity Bank so clients can manage everything including payments and other services.

Academy Credit Card Login

For online account access, you must go to, where you can register and sign in. Online account access gives you ease of use: You just have to click on “Sign In” and enter your username and password.

Other account perks include EasyPay, which you can try to pay your credit card without entering your login details.

Once you login, you can manage any report, pay the credit card bill, and monitor every payment or purchase. To make a payment, just go to the “Payments” section, and enter your bank account and routing number; then choose both the date and the amount.

Academy Sports Credit Card Customer Service

Academy Credit Card Payment Phone Number

If you need assistance with your payment —or you cannot access your online account— you can contact the Academy Sports credit card phone number, 1-877-321-8509. You can also make phone payments by dialing the number on the back of your card and entering the credit card number.

Comenity Bank Billing Address

To make an Academy Sports card payment, you can mail a payment note to Comenity Capital Bank to the following address:

Comenity Capital Bank

PO Box 183003

Columbus, OH 43218-3003

Customer Service Hours

To be assisted if you want to pay your credit card, be sure to contact the Customer Care hours: Monday – Saturday 8:00am – 9:00pm EST. The department is unavailable Sundays, New Year, Easter, Memorial Day, July 4th, Labor Day, Thanksgiving, and Christmas.

How to Apply for Academy Sports Outdoors Credit Card

Credit scores are the primary question when it comes down to applying to any retailer card. In the case of Academy sports, 640 is the minimum to qualify —which means fair or better. Annual percentage rate is 26.99%, “based on the Prime rate,” and it offers no annual fee or $29 depending on your creditworthiness.

To apply for the Academy Sports + Outdoors Credit Card, you can go to the retailer’s website or fill out an application form at any local store. If you qualify and the request gets approved, you’ll enjoy some nice perks and benefits.


What Does Your Credit Score Have to Be for An Academy Credit Card?

Anything above 640 will work, which means a fair score or better.

Does Academy Have Layaway?

“Academy Sports + Outdoors does not offer a layaway program… Instead, customers can apply for the Academy credit card to finance any purchase.”

How Do I Activate My Academy Card?

You don’t need to activate your card. As soon as it arrives it will be available for use! Delivery time is usually 7-10 business days.

Final Thoughts

The Academy Sports credit card is a good way to collect rewards for every purchase. Issued by Comenity Capital Bank, and offering online access and good credit, it is a solid alternative to cash. As a card holder, you have several ways to pay the bill, from online to phone and mail!

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Jacob Wolinsky is the founder of, a popular value investing and hedge fund focused investment website. Jacob worked as an equity analyst first at a micro-cap focused private equity firm, followed by a stint at a smid cap focused research shop. Jacob lives with his wife and four kids in Passaic NJ. - Email: jacob(at) - Twitter username: JacobWolinsky - Full Disclosure: I do not purchase any equities anymore to avoid even the appearance of a conflict of interest and because at times I may receive grey areas of insider information. I have a few existing holdings from years ago, but I have sold off most of the equities and now only purchase mutual funds and some ETFs. I also own a few grams of Gold and Silver
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