WalletHub Rating
3.8/5
Sportsman's Warehouse Credit Card has a rating of 3.8/5 according to our proprietary credit card rating system. This rating reflects how appealing Sportsman's Warehouse Credit Card's terms are compared to a pool of more than 1,500 credit card offers tracked by WalletHub. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is 'Earn Rewards (Store Cards)'. To break it down further, Sportsman's Warehouse Credit Card earned a score of 5.0/5 for Fees, 3.6/5 for Rewards, 4.0/5 for Cost, and 3.2/5 for User Reviews.Info about the Sportsman's Warehouse Credit Card has been collected by WalletHub to help consumers better compare cards. The financial institution did not provide the details.
WalletHub Rating Breakdown
User Reviews
3.2/5
188 reviewsRead and write reviews
Market Comparison
Market Comparison
3.9
The Market Comparison is a key component of the WalletHub Rating, as it measures how appealing the terms of a card are compared to a pool of over 1,500 credit card offers monitored by WalletHub. To ensure cards are evaluated for their most relevant purpose, we score each card across various cardholder needs and select the rating for the need with the highest score, which is “Earn Rewards (Store Cards)” for this card.
Fees
5.0
Rewards
3.6
Cost
4.0
Other Features
0.0
3.9/5
Compared against 1,500+ credit cards
KEY TERMS
Accepted Credit Scores
Accepted Credit Scores
Excellent Credit, Good Credit
Annual Fee
$0
APR on Purchases
24.24% - 33.24% (V)
Balance Transfer
APR: 26.99%
Balance Transfer Fee
Rewards
Earn 5,000 bonus points (redeemable for a $50 gift card) when you spend $500 outside Sportsman’s Warehouse within 120 days of account opening.
Open and use a Sportsman's Warehouse Credit Card today and get 15% off your online purchase now.
Earn 5 points per eligible net $1 spent at Sportsman's Warehouse or Sportsmans.com. Earn 2 points for every $1 spent at gas stations, home improvement merchants and campgrounds.
Earn 1 point per eligible net $1 spent everywhere else Visa Cards are accepted.
Keep your points as long as you earn one point every 12 months, and there's no cap on how many you can earn.
You can redeem points for gear and you can start redeeming when you have at least 1 available point.
Sportsman's Warehouse Credit Card's Additional Info
If you do not qualify for the Visa Card, you may be considered for, and receive, the Credit Card, used exclusively at Sportsman's Warehouse.
Exclusive deals and special offers for cardmembers.
show more
Learn More
at Comenity Capital's secure site
Sportsman's Warehouse Credit Card Pros & Cons
No membership fees
High rewards rate
5,000 points + 15% discount initial rewards bonus
No intro APR on purchases
No intro APR on balance transfers
Foreign fee
Requires good/excellent credit
Compare The Sportsman's Warehouse Credit Card vs. Popular Alternatives
 Sportsman's Warehouse Credit Card |  Prime Visa |  Costco Anywhere Visa® Card by Citi |
|---|---|---|
3.8WalletHub Rating WalletHub Rating 3.8 This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Earn Rewards (Store Cards)." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs. User Reviews 3.2 Market Comparison 3.9 fees: 5.0 rewards: 3.6 cost: 4.0 Other Features: 0.0 | 4.3WalletHub Rating WalletHub Rating 4.3 This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Earn Rewards." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs. Editor’s Rating 4.2 Market Comparison 4.3 fees: 5.0 rewards: 4.1 cost: 4.5 Other Features: 0.0 | 3.6WalletHub Rating WalletHub Rating 3.6 This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Earn Gas Rewards." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs. Editor’s Rating 4.7 User Reviews 3.6 Market Comparison 3.5 fees: 5.0 rewards: 3.0 cost: 3.6 Other Features: 0.0 |
annual fee$0 | annual fee$0 | annual fee$0 |
rewards rate | rewards rate | rewards rate |
bonus offer | bonus offer | bonus offer |
Purchase Intro APRNot Offered | Purchase Intro APRNot Offered | Purchase Intro APRNot Offered |
transfer intro aprNot Offered | transfer intro aprNot Offered | transfer intro aprNot Offered |
Regular APR24.24% - 33.24% (V) | Regular APR19.49% - 27.49% (V) | Regular APR20.49% (V) |
Sponsored Apply Now | Sponsored Apply Now |
Questions & Answers
Can't find what you are looking for? Submit your question about Sportsman's Warehouse Credit Card to our community. Editorial and user-generated content is not provided, reviewed or endorsed by the issuer of this offer. Please keep in mind that it is not a financial institution’s responsibility to ensure all posts and questions are answered. In addition, WalletHub independently collected information for some of the cards on this page.
Most Popular
4
Upvotes
What can I do if I lost my Sportsman's Warehouse Credit Card?
Reply
4
4
John Miller, Credit Cards Moderator
@john_miller
If you lost your Sportsman's Warehouse Credit Card, call customer service at (844) 271-2629 to report it. The issuer will request some security information in order to verify your identity before sending a replacement. You can call the same number to report a lost Sportsman's Warehouse Store Card, too.
How to Report a Lost Sportsman's Warehouse Credit Card
- Call the issuer's customer service at (844) 271-2629.
- Inform the customer service representative that you've lost your credit card.
- Provide any requested information, such as your date of birth or the last four digits of your SSN.
- Ask the customer service representative to cancel your old credit card and send a replacement.
You should receive a replacement card within 7-10 business days. If there are any recurring charges linked to the old Sportsman's Warehouse Credit Card, make sure to update those accounts with your new card information.
Finally, it's important to note that your Sportsman's Warehouse Credit Card is covered by $0 fraud liability, which means that you will not be held responsible for unauthorized purchases made with your card while it's lost. You should still give the issuer immediate notice of any unfamiliar charges on your account, though.
3
Upvotes
Can I use my Sportsman's Warehouse Credit Card anywhere?
Reply
3
Bradley Gray
@onetwothree
The Sportsman's Warehouse Credit Card can be used anywhere. It's a Visa and those work virtually everywhere.
1
2
Upvotes
What's the starting credit limit for the Sportsman's Warehouse Credit Card?
Reply
2
Zora Anaya
@zora_anaya
The starting credit limit for the Sportsman's Warehouse Credit Card can be as low as $100. But the better your credit score and creditworthiness, the higher your credit limit will be.
After at least 6 months of account opening, you may be eligible for a credit limit increase. You can either request it or wait for the issuer to offer it. Just keep in mind that a credit limit increase might result in a hard pull, which...
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1
1
Upvote
How can I pay my Sportsman's Warehouse Credit Card?
Reply
1
John Miller, Credit Cards Moderator
@john_miller
The easiest way you can pay your Sportsman's Warehouse Credit Card is online, by either signing in to your account or by using EasyPay as a guest. But that's not the only way you can make a payment.
Here's How You Can Pay Your Sportsman's Warehouse Credit Card
- Online: You can make a payment from your online account, or you can use EasyPay as a guest.
- Phone: If you prefer to pay your Sportsman's Warehouse Credit Card bill over the...
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1
Upvote
How much is the Sportsman's Warehouse Credit Card minimum payment?
Reply
1
John Miller, Credit Cards Moderator
@john_miller
Your Sportsman's Warehouse Credit Card minimum payment is $30 or 1% of the statement balance plus any past due or credit plan amounts, whichever is higher. If the new balance on your statement is less than $30, the minimum payment is the new balance.
Here's How the Sportsman's Warehouse Credit Card Minimum Payment is Calculated
The highest of $30 and 1% of the statement balance plus any past due or credit plan amounts, as follows:
- Deferred or...
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1
Upvote
How can I add a Sportsman's Warehouse Credit Card authorized user?
Reply
1
John Miller, Credit Cards Moderator
@john_miller
To add a Sportsman's Warehouse Credit Card authorized user, call customer service at (844) 271-2629. You will need to provide personal information in order to add someone as an authorized user. You can add an authorized user for the Sportsman's Warehouse Store Card too, in the same way.
Key Things to Know About Adding a Sportsman's Warehouse Credit Card Authorized User
- A primary cardholder can make anyone a Sportsman's Warehouse Credit Card authorized user, as there are no minimum age requirements. There is a limit...
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1
Upvote
Does the Sportsman's Warehouse Credit Card do a hard pull?
Reply
1
Maria Adams, Credit Cards Moderator
@m_adams
Yes, the Sportsman's Warehouse Credit Card does do a hard pull when you apply. You need a credit score of at least 700 to get it.
The same applies for the Sportsman's Warehouse Store Card, with the exception that this card also accepts applicants with a credit score of at least 640.
Unfortunately, the only way to know if you're pre-approved for the card is if the issuer sends you an offer.
A hard pull usually causes an applicant's...
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1
Upvote
Can I use my Sportsman's Warehouse Credit Card instantly after approval?
Reply
1
Lisa Cahill, Credit Cards Moderator
@lisacahill
Yes, you can use your Sportsman's Warehouse Credit Card instantly after approval, but only to make one purchase from Sportsman's Warehouse, if you apply in store or online. You will also be able to receive a first purchase discount as well.
Keep in mind that you won't be able to use your new Sportsman's Warehouse Credit Card again until the card arrives by mail. This usually takes up to 7-10 business days from the time you get approved.
1
1
Upvote
How do I check my Sportsman's Warehouse Credit Card application status?
Reply
1
Lisa Cahill, Credit Cards Moderator
@lisacahill
The only way you can check your Sportsman's Warehouse Credit Card application status is by calling customer service at (844) 271-2629.
If the issuer denied you, there might still be some hope left. Ask the representative for a reconsideration by explaining your situation. If they don't change their decision about your denial, consider applying for a credit card that offers higher approval odds. You can use WalletHub's CardAdvisor tool to get a recommendation based on your preferences and...
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1
Upvote
What's the Sportsman's Warehouse Credit Card credit score requirement?
Reply
1
Evelyn Boros, Credit Cards Moderator
@evelyn_boros
The Sportsman's Warehouse Credit Card credit score requirement is 700 or better. That means people with good credit or better have a shot at getting approved for the Sportsman's Warehouse Credit Card.
You should note that while your credit score is an important factor, there are plenty of other things that will impact your chances of being approved for the Sportsman's Warehouse Credit Card, too. Some other key criteria include your income, existing debt load, number of open accounts, recent credit inquiries, employment...
show more
2
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Sportsman's Warehouse Credit Card Reviews
Share your insights and review for the Sportsman's Warehouse Credit Card
5
11%
4
19%
3
60%
2
4%
1
6%
3.2
188 reviews
188 reviews
What's Your Rating?
Most Recent
oconnell44004
@oconnell44004
1 Star Rating
Approved for a $1,000 credit limit, activated card, unable to use as customer service states I need to send copies of my driver's license, social security card, and a utility bill. That's not happening; thanks for affecting my credit for nothing. I'm deactivating this ASAP.
Comment
chrischurilla1972
@chrischurilla1972
1 Star Rating
This card is useless. I've had it for months and I still can't activate it on the card's website (it keeps saying my information is incorrect even though I'm entering information right from the card). What's the point of having a card if you can't use it?
Comment
gerry
@jcsuperfreak
1 Star Rating
My Review is "Just read The BBB Complaints" They go on and on and on! I read them after getting approved for $2,400... The biggest mistake in my life, "And I will never use this card ever, not after reading the complaints at the BBB. My advice, "Stay the heck away from this card!
Comment
Li Aultman
@lianne_aultman
1 Star Rating
Today 10-8-22 I got a call from the bank Sportsman's Warehouse credit cards are with.
The very rude woman told me that i had a missed payment and late fees???
So, I went to my records, and this is how the conversation went-
Me; "No, I paid that on September 2nd"
Rude Lady: "That was for August"
Me: "What happened to August's payment?"
Rude Lady: "We received it, so in August you paid $175.00"
Me; "What?? I made a $100.00 payment in August & a $75.00 payment in September"
Rude Lady: "The payment you made was in the August cycle- If you had made the payment on the 3rd instead of the 2nd it would have been in September cycle. So now you missed a payment and owe a late fee"
Me: "So, just because it was PAID SEPTEMBER 2nd, you COMBINED 2 SEPARATE PAYMENTS, MADE IN TWO SEPARATE MONTHS, you are charging me late fees AND counting this as a MISSED payment?"
Rude Lady: 'Yes, because you didn't do your job right"
Me: "I made my payments based on my paydays, and they WERE made during two separate months, and should be counted as such"
Rude Lady: "You didn't make the payment at the right time, you owe late fees, that's why we are calling you"
Me; CLICK!
DO NOT GIVE THESE PEOPLE YOUR MONEY!
FIND A CARD THAT TREATS YOU FAIRLY AND DISTRIBUTES YOUR FUNDS CORRECTLY-
EXPLORE REWARDS AND THEY'RE BANK WILL STICK A KNIFE IN YOUR BACK, AND SCREW YOU OUT OF YOUR HARD-EARNED MONEY!!!
Comment
1
dogtailsfurever
@dogtailsfurever
I hate to upset you further but that’s the way it works with every card. Make sure you are making another payment AFTER your statement for the present month prints, or you will have to make another payment. The different months you paid do not matter. The determining factor is your statement cycle which is printed on every statement. ………Example… OCT STATEMENT prints on Oct 11… Payment due by Nov 4…. THOSE DATES ARE YOUR BILLING CYCLE. You make your payment on Oct 25 and then you make another payment on Nov 3, before your Oct. billing cycle ends…. BOTH of those payments were made in ONE billing cycle. It does not matter that one payment was in Oct and the other in Nov. YOU will have to MAKE A NEW PAYMENT IN YOUR NEXT BILLING CYCLE OR YOU WILL BE LATE AND CHARGED A LATE CHARGE. Based on personal experience, I recommend that you kindly call and ask to speak to a supervisor and explain the situation and that you did not understand billing/statement cycles. Ask the supervisor to explain it to you. Then ask for a credit of the late fees. Most banks will give a one time courtesy credit. After you have established a good payment history they will help in unusual situations. Personally, I am not a fan of Comenity Bank. I hope this helps. Best of luck and remember to be kind/nice. If the agent doesn’t want to give you to a supervisor, nicely insist, say thank you, then say nothing, and wait to be transferred. If the agent hesitates again and wants to personally help you say, “I would like to speak with a supervisor please… thank you” ……. then say nothing. (Stick to your guns. Supervisors have more decision making options than the front line customer service agents.)
Comment
rekhoff
@rekhoff
1 Star Rating
Not really about keeping customers. I paid off my entire $270 balance and it came one day late. Charged me a late fee. I asked for a refund, because it ended up being $60, they said no. I'll just take my business elsewhere. Love the store, but their credit card service sucks. Mail lateness due to covid is not my fault. I'll be calling before the next late fee to make sure they received my check. Not worth the sign up or the hassle
Comment
Dave Colliau
@n8dc_8
1 Star Rating
Just applied for the credit card and the discount on my purchase. I was approved instantly and it showed in the checkout window but when I went to purchase I was bounced back to a page wanting CC info and a higher price. I have not received any emails from the bank and no return from Sportsmans Warehouse. Is this some sort of scam ? The purchase I wanted to make will most likely not happen now. Disappointing to say the least .
Comment
2
gerry
@jcsuperfreak
Exactly what happened to me! So I called and was told that, that happens and that I should wait for the card to arrive... What the heck! Was approved for $2,400, but I do not believe I will ever use it! Just read the complaints at the BBB, I wish I never applied!!!!
Comment
matthiasjf
@matthiasjf
1 Star Rating
I would give them 0 stars if the review allowed it. I was told i would receive a promotional 0% deferred interest with required payments (Much like Lowe's does) depending upon amount purchased. When i made my purchase, $600.00+ I asked the associate about it, he knew nothing, said I needed to ask the credit card company. Long story short, they refused to do anything, even though their card pamphlet specifically says that they offer this promotion. I was told that because it is worded "MAY be automatically placed on a promotional rate" and that their investigation didn't find a rate being offered by the store when I made the purchase, they would not do anything. The local store manager in Kentucky was very nice, obviously he has no control over an outside bank's business dealings, and did tell me that Sportsman's Warehouse has been through 5 different banks in the past 3 years. COMENITY BANK is a bunch of shyster shmucks. Sportsman's Warehouse is great, but don't expect the bank to honor anything they say.
Comment
1
Corey McKay
@mckay_corey
1 Star Rating
Horrible and extremely slow customer service, they have no phone app and you cannot set up recurring automatic payments. I have been trying to dispute a duplicate charge for over 3 months. Cannot wait until I pay it off and cancel it.
Comment
clintgarrett1690
@clintgarrett1690
1 Star Rating
Horrible experience with the Applied for the card, said I could use in store that day, could not! Called the next day they said yes you can just give them your id. NOTHING did not work called again, said call when at the store. So I called and they said there was nothing they could do! So I would highly recommended not using this horrible so called company! Every time I called it would be a different answer! This company is trash! 0/5 stars if I could!
Comment
2
Albert Phan
@albert.phan.7
3 Star Rating
The Sportsman's Warehouse Credit Card is something you'd most likely use if you're a frequent buyer of the Sportsman's Warehouse store chain. The Rewards are good with an initial bonus of 1000 points and a base/max earn of 1 pt/$1. And you earn points for whenever you buy any sports/hunting gear at any Sportsman's Warehouse Location. When you hit 2,500 points, you get a $25 gift card. The Purchase, Balance Transfer, and Cash Advances are nothing to talk about since they're pretty average. But the good thing about this card is that there's 100% Fraud Protector, $500,000 coverage of Travel Accident Insurance, and Auto Rental Insurance. Comparing this to Walmart's Store Card, it's definitely better with more perks, but the Walmart Card has no annual fee and has discounts on its prices for credit card users.
Comment
3
Review Sportsman's Warehouse Credit Card
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