Sportsman’s Guide Buyer’s Club® Rewards Visa®

Advertiser Disclosure Editorial Disclosure

Last updated on June 15th, 2021

Sportsman's Guide Buyer's Club® Rewards Visa®

Earn $40 Bonus for Spending $500 Within 90 Days

Sportsman's Guide Buyer's Club® Rewards Visa®
  • Regular Purchase APR 24.99% variable based on the Prime Rate
  • Balance Transfer APR 26.99%
  • Cash Advance APR 24.99% variable based on the Prime Rate
  • Annual Fee None
  • Credit Needed Fair
  • Processing Network Visa
Best Benefits
  • Extra 2.5% discount on every Sportsman's Guide purchase
  • Earn 1% in points on outside purchases
  • No annual fee
Rates & Fees
  • Regular Purchase APR: 24.99% variable based on the Prime Rate
  • Balance Transfer APR: 26.99%
  • Balance Transfer Transaction Fee: Either $10 or 5% of the amount of the balance transfer, whichever is greater
  • Cash Advance APR: 24.99% variable based on the Prime Rate
  • Cash Advance Transaction Fee: Either $10 or 3% of the amount of each cash advance, whichever is greater
  • Foreign Transaction Fee: 3% of the transaction amount in U.S. dollars
  • Late Payment Penalty Fee: Up to $40
  • Return Payment Penalty Fee: Up to $40
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At a Glance

The Sportsman’s Guide Buyer’s Club® Rewards Visa® works in tandem with the Sportsman’s Guide Buyer’s Club to provide additional 2.5% savings on every purchase in addition to all the perks of being enrolled in the loyalty program.

Ideal for Those Who:

  • Are currently a member of the Sportsman’s Guide Buyer’s Club member
  • Will spend $500 within the first 90 days
  • Want a card with no annual fee
  • Don’t mind paying a foreign transaction fee

Sportsman’s Guide Buyer’s Club® Rewards Visa Review

Sportsman’s Guide Buyer’s Club® Rewards Visa® is issued by Comentiy Bank and has few benefits to offer as a standalone credit card. Instead, the card’s primary strength is when it is paired with a Sportsman’s Guide Buyer’s Club membership – a subscription-based rewards program – and offers an additional 2.5% discount on all merchandise on top of the existing program discounts.

This could bring total savings to 12.5% at checkout and up to 7.5% on guns and ammo – but even having no annual fee, might not be enough to justify applying for the Sportsman’s Guide Buyer’s Club credit card.

The other features of the card are less impressive, however, offering an unremarkable signup bonus of $40 for spending $500 within the first 90 days and a downright dismal 1% back in reward points for all purchases made outside of the store.

It would require a spend of $100,000 outside of Sportsman’s Guide to earn a mere $10 in rewards – even the most basic cash back credit card being exponentially more rewarding. Our recommendation: spend just enough to qualify for the signup bonus and then keep it solely for Sportsman’s Guide purchases.

Should you choose to use your card outside of the retailer and try to earn points, the rewards have several limitations that are worth noting. Reward points expire 24 months after they have been earned and reward certificates expire 12 months after being earned. As with Comenity’s other co-branded credit cards, reward certificates are automatically generated once the minimum number of reward points has been accumulated.

Should You Apply for the Sportsman’s Guide Buyer’s Club® Rewards Visa?

Overall, the Sportsman’s Guide Buyer’s Club® Rewards Visa® has little to offer the avid hunter, outdoorsmen, or gun enthusiast that their reward program (the Buyer’s Club) doesn’t already offer. With the rewards program providing the bulk of the customer perks, even the most loyal of Sportsman’s Guide shoppers won’t miss out on much by passing on this card.

Most individuals will be much better off with a flat-rate cash back credit card such as the Chase Freedom Unlimited or the Citi® Double Cash Card.

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