Comenity Capital BankSportsman's Guide Buyer's Club Rewards VisaeRegistry illustration · issuer artwork unavailable

Sportsman's Guide Buyer's Club Rewards VisaeComenity Capital Bank · NM bank, DE · FDIC 57570

CurrentLast observed Oct 4, 2026Source date Dec 31, 2025Government datasetCredit card · Consumer · unsecured

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Purchase APR

35.99%

fixed

Balance transfer

—

Cash advance APR

35.99%

fixed

Annual fee

a year

Foreign fee

of the amount

Grace period

25 days

from cycle close

Product terms with exact source passages
Term	Value	As printed in the source	Source
APR for purchasesintroductory rate first
Introductory	NoneConsumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Aug 31, 2026	—	Website
	35.99%Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Aug 31, 2026	—	Website
APR for balance transfers	NoneConsumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Aug 31, 2026	—	Website
APR for cash advances	35.99%Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Aug 31, 2026	—	Website
Penalty APRafter a late or returned payment	—	no source read
Paying interestgrace period on new purchases	25 days from the close of each billing cycle	—	—
Minimum interest charge	$3	—	—
How we calculate your balance	Other	—	—
Annual fee	$0Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Aug 31, 2026	—	Website
Transaction fees
Cash advance	Either $10.00 or 3.0% of the amount of each cash advance, whichever is greater.Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Aug 31, 2026	—	Website
Balance transfer	Either $10 or 5% of the amount of each transfer, whichever is greater.Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Aug 31, 2026	—	Website
Foreign transaction	3% of the amountConsumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Aug 31, 2026	—	Website
Penalty fees
First late fee	$30Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Aug 31, 2026	—	Website
Repeat late fee within six billing cycles	$41Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Aug 31, 2026	—	Website
Returned payment	—	no source read
Other fees
Returned Payment Fee	$30, If you make a payment that is not honored, we charge a Returned Payment Fee even if the payment is honored on resubmission. The fee is $30.00 if you were not charged a Returned Payment Fee in the same or the prior six billing periods. Otherwise, it is $41Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Aug 31, 2026	—	Website
Alternative Payment Method Fee	$15, We may allow you to make an expedited payment over the phone. If you do, we may charge a fee. Currently, that fee is up to $15. We’ll let you know the current fee before you authorize any payment and you can withdraw your request if you don’t want to payConsumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Aug 31, 2026	—	Website
Paper Statement Fee	$2.99, Up to $35.88 annually ($2.99 each month in which your balance is greater than $3.50 and a paper billing statement is mailed to you; you can avoid this fee each month you are enrolled in paperless statements on the last day of a billing period)Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Aug 31, 2026	—	Website
Penalty APR	$39.99, Penalty APR and when it applies: This APR will vary with the market based on the prime rate. This APR may be applied to your account if you make a late payment. We may also consider your creditworthiness in determining whether to apply the Penalty APR toConsumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Aug 31, 2026	—	Website
Over limit	$0Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Aug 31, 2026	—	Website
Purchase transaction	$0Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Aug 31, 2026	—	Website

Sportsman's Guide Buyer's Club® Rewards Visa® - Current Credit Card Agreementspage 1 of 12

Important Information Regarding Electronic Communication

Read this information carefully and keep a copy for your records

Prior to applying for a Sportsman's Guide Buyer's Club Advantage Rewards Visa® Credit Card account, Comenity Bank requests your consent to provide you important information electronically.

You understand and agree that Comenity Bank may provide you with all required application disclosures regarding your Sportsman's Guide Buyer's Club Advantage Rewards Visa® Credit Card account application in electronic form. These disclosures include, but are not limited to, Terms and Conditions, the Credit Card Account Agreement and Customer Privacy Statement.

You agree to keep us updated at all times with your current contact information. If your contact information has changed please contact us at 1-888-252-5557 (TDD/TTY: 1-800-695-1788 ).

This consent does not enroll you in paperless statements. In order to enroll in paperless statements, please visit Account Center.

At your request, we will provide you with paper copies of these disclosures. You have the right to withdraw consent, without a fee. Please call us at 1-888-252-5557 to withdraw your consent to receive electronic disclosures.

In order to receive electronic communications and to obtain the best view of these communications you will need access to the Internet, have a web browser which supports HTML, SSL-encryption, JavaScript, CSS, the capability to download and print these disclosures, and Adobe Reader to view PDF files. You may download it for free at https://get.adobe.com/reader/ . Visit the Common Security Questions page for additional web browser information. By selecting the "Submit" button, you confirm that your system meets these requirements and that you have the capability to access and download or print electronic disclosures.

We recommend that you retain a copy of these disclosures for your records.

If this is a kiosk, this kiosk will display the disclosures listed above. Printed copies can be obtained at the customer service desk. Note: Your Sportsman's Guide Buyer's Club® Rewards Visa® account is issued by Comenity Bank. Review our Financial Privacy Policy and Online Privacy Policy for more information. California Residents: Submit a Data Request Form to make a Do Not Sell or Share My Personal Information request.

Rate and Fee Summary

This Rate and Fee Summary (Summary) is part of the Credit Card Agreement (Agreement) for the Sportsman's Guide Buyers Club ® Rewards Visa ® Credit Card Account . Read it and keep it.

Interest Rates and Interest Charges Annual Percentage Rate (APR) for Purchases · 35.99% APR for Balance Transfers · 35.99% APR for Cash Advances · 35.99% Penalty APR and When i t Applies · Up to 39.99% This APR will vary with the market based on the Prime Rate. This APR may be applied to your account i f you make a late payment. We may also consider your creditworthiness in determining whether to apply the Penalty APR to your account. How Long Will the Penalty APR Apply? I f your APRs are increased, the Penalty APR may apply indefinitely. Paying Interest · Your due date is at least 21 days after the close of each billing period. We will not charge you interest on purchases i f you pay your entire balance by the due date each month. I f you do not, you will not get a grace period on purchases again until you pay the entire balance by the due date for two billing periods in a row. We will begin charging interest on balance transfers and cash advances on the transaction date. Minimum Interest Charge · I f you are charged interest, the charge will be no less than $3.00.

Are

1 2 3 4 5 6 7 8 9 10 11 12No page of this document is cited by this card

Archived Aug 23, 2026Open full document

Sources and dates

Contractual terms come from retained issuer disclosures. Historical cohort statistics come from the CFPB survey and do not change the issuer's terms.

CFPB survey — historical cohort statistics

Reported medians describe observed cohorts at the survey date; they are not contractual APR ranges.

Consumer Financial Protection Bureau
Report Date Dec 31, 2025 · Captured Aug 31, 2026 · record cfpb:tccp:2025-12-31:comenity-bank:sportsman-s-guide-buyer-s-club-rewards-visae
Fields: Balance Transfer Offered?
Read exact source ↗
Consumer Financial Protection Bureau
Report Date Dec 31, 2025 · Captured Oct 4, 2026 · record cfpb:tccp:v2:2025-12-31:comenity-bank:sportsman-s-guide-buyer-s-club-rewards-visae:d057358060b6ef7b18240867b55ab3f346624df415f8666233a1bb62768c79be
Fields: Balance Transfer Offered?
Read exact source ↗
Consumer Financial Protection Bureau
Report Date Dec 31, 2025 · Captured Aug 31, 2026 · record cfpb:tccp:2025-12-31:comenity-bank:sportsman-s-guide-buyer-s-club-rewards-visae
Fields: Advance APR max, Advance APR median, Advance APR min, Cash Advance APR Offered?, Purchase APR Index
Read exact source ↗
Consumer Financial Protection Bureau
Report Date Dec 31, 2025 · Captured Oct 4, 2026 · record cfpb:tccp:v2:2025-12-31:comenity-bank:sportsman-s-guide-buyer-s-club-rewards-visae:d057358060b6ef7b18240867b55ab3f346624df415f8666233a1bb62768c79be
Fields: Advance APR max, Advance APR median, Advance APR min, Cash Advance APR Offered?, Purchase APR Index
Read exact source ↗
Consumer Financial Protection Bureau
Report Date Dec 31, 2025 · Captured Aug 31, 2026 · record cfpb:tccp:2025-12-31:comenity-bank:sportsman-s-guide-buyer-s-club-rewards-visae
Fields: Introductory APR Offered?
Read exact source ↗
Consumer Financial Protection Bureau
Report Date Dec 31, 2025 · Captured Oct 4, 2026 · record cfpb:tccp:v2:2025-12-31:comenity-bank:sportsman-s-guide-buyer-s-club-rewards-visae:d057358060b6ef7b18240867b55ab3f346624df415f8666233a1bb62768c79be
Fields: Introductory APR Offered?
Read exact source ↗
Consumer Financial Protection Bureau
Report Date Dec 31, 2025 · Captured Aug 31, 2026 · record cfpb:tccp:2025-12-31:comenity-bank:sportsman-s-guide-buyer-s-club-rewards-visae
Fields: Purchase APR Index, Purchase APR Offered?, Purchase APR max, Purchase APR median, Purchase APR min
Read exact source ↗
Consumer Financial Protection Bureau
Report Date Dec 31, 2025 · Captured Oct 4, 2026 · record cfpb:tccp:v2:2025-12-31:comenity-bank:sportsman-s-guide-buyer-s-club-rewards-visae:d057358060b6ef7b18240867b55ab3f346624df415f8666233a1bb62768c79be
Fields: Purchase APR Index, Purchase APR Offered?, Purchase APR max, Purchase APR median, Purchase APR min
Read exact source ↗
Consumer Financial Protection Bureau
Report Date Dec 31, 2025 · Captured Aug 31, 2026 · record cfpb:tccp:2025-12-31:comenity-bank:sportsman-s-guide-buyer-s-club-rewards-visae
Fields: Annual Fee, Balance Computation Method, Balance Computation Method Details, Balance Transfer Grace Period, Card Features, Contact Information Types, Fee Explanation, Fee Varies?, Grace Period, Grace Period Offered?, Institution Name, Issued by Top 25 Institution, Minimum Finance Charge (Dollars), Minimum Finance Charge?, Monthly Fee, Periodic Fee Type, Periodic max, Periodic min, Product Name, Report Date, Requirements for Opening, Secured Card, Targeted Credit Tiers, Telephone Number for Consumers, Website for Consumer, Weekly Fee
Read exact source ↗
Consumer Financial Protection Bureau
Report Date Dec 31, 2025 · Captured Oct 4, 2026 · record cfpb:tccp:v2:2025-12-31:comenity-bank:sportsman-s-guide-buyer-s-club-rewards-visae:d057358060b6ef7b18240867b55ab3f346624df415f8666233a1bb62768c79be
Fields: Annual Fee, Balance Computation Method, Balance Computation Method Details, Balance Transfer Grace Period, Card Features, Contact Information Types, Fee Explanation, Fee Varies?, Grace Period, Grace Period Offered?, Institution Name, Issued by Top 25 Institution, Minimum Finance Charge (Dollars), Minimum Finance Charge?, Monthly Fee, Periodic Fee Type, Periodic max, Periodic min, Product Name, Report Date, Requirements for Opening, Secured Card, Targeted Credit Tiers, Telephone Number for Consumers, Website for Consumer, Weekly Fee
Read exact source ↗
Consumer Financial Protection Bureau
Report Date Dec 31, 2025 · Captured Aug 31, 2026 · record cfpb:tccp:2025-12-31:comenity-bank:sportsman-s-guide-buyer-s-club-rewards-visae
Fields: Balance Transfer Fee ($), Balance Transfer Fee (%), Balance Transfer Fee Calculation, Balance Transfer Fee Types, Balance Transfer Fees?, Minimum Balance Transfer Fee Amount
Read exact source ↗
Consumer Financial Protection Bureau
Report Date Dec 31, 2025 · Captured Oct 4, 2026 · record cfpb:tccp:v2:2025-12-31:comenity-bank:sportsman-s-guide-buyer-s-club-rewards-visae:d057358060b6ef7b18240867b55ab3f346624df415f8666233a1bb62768c79be
Fields: Balance Transfer Fee ($), Balance Transfer Fee (%), Balance Transfer Fee Calculation, Balance Transfer Fee Types, Balance Transfer Fees?, Minimum Balance Transfer Fee Amount
Read exact source ↗
Consumer Financial Protection Bureau
Report Date Dec 31, 2025 · Captured Aug 31, 2026 · record cfpb:tccp:2025-12-31:comenity-bank:sportsman-s-guide-buyer-s-club-rewards-visae
Fields: Cash Advance Fee ($), Cash Advance Fee (%), Cash Advance Fee Calculation, Cash Advance Fee Types, Cash Advance Fees?, Minimum Cash Advance Fee Amount
Read exact source ↗
Consumer Financial Protection Bureau
Report Date Dec 31, 2025 · Captured Oct 4, 2026 · record cfpb:tccp:v2:2025-12-31:comenity-bank:sportsman-s-guide-buyer-s-club-rewards-visae:d057358060b6ef7b18240867b55ab3f346624df415f8666233a1bb62768c79be
Fields: Cash Advance Fee ($), Cash Advance Fee (%), Cash Advance Fee Calculation, Cash Advance Fee Types, Cash Advance Fees?, Minimum Cash Advance Fee Amount
Read exact source ↗
Consumer Financial Protection Bureau
Report Date Dec 31, 2025 · Captured Aug 31, 2026 · record cfpb:tccp:2025-12-31:comenity-bank:sportsman-s-guide-buyer-s-club-rewards-visae
Fields: Foreign Transaction Fee ($), Foreign Transaction Fee (%), Foreign Transaction Fee Calculation, Foreign Transaction Fees Types, Foreign Transaction Fees?, Minimum Foreign Transaction Fee Amount
Read exact source ↗
Consumer Financial Protection Bureau
Report Date Dec 31, 2025 · Captured Oct 4, 2026 · record cfpb:tccp:v2:2025-12-31:comenity-bank:sportsman-s-guide-buyer-s-club-rewards-visae:d057358060b6ef7b18240867b55ab3f346624df415f8666233a1bb62768c79be
Fields: Foreign Transaction Fee ($), Foreign Transaction Fee (%), Foreign Transaction Fee Calculation, Foreign Transaction Fees Types, Foreign Transaction Fees?, Minimum Foreign Transaction Fee Amount
Read exact source ↗
Consumer Financial Protection Bureau
Report Date Dec 31, 2025 · Captured Aug 31, 2026 · record cfpb:tccp:2025-12-31:comenity-bank:sportsman-s-guide-buyer-s-club-rewards-visae
Fields: Late Fee ($), Late Fee Policy Details, Late Fee Types, Late Fees?
Read exact source ↗
Consumer Financial Protection Bureau
Report Date Dec 31, 2025 · Captured Oct 4, 2026 · record cfpb:tccp:v2:2025-12-31:comenity-bank:sportsman-s-guide-buyer-s-club-rewards-visae:d057358060b6ef7b18240867b55ab3f346624df415f8666233a1bb62768c79be
Fields: Late Fee ($), Late Fee Policy Details, Late Fee Types, Late Fees?
Read exact source ↗
Consumer Financial Protection Bureau
Report Date Dec 31, 2025 · Captured Aug 31, 2026 · record cfpb:tccp:2025-12-31:comenity-bank:sportsman-s-guide-buyer-s-club-rewards-visae
Fields: Late Fee Six Month Billing Cycle
Read exact source ↗
Consumer Financial Protection Bureau
Report Date Dec 31, 2025 · Captured Oct 4, 2026 · record cfpb:tccp:v2:2025-12-31:comenity-bank:sportsman-s-guide-buyer-s-club-rewards-visae:d057358060b6ef7b18240867b55ab3f346624df415f8666233a1bb62768c79be
Fields: Late Fee Six Month Billing Cycle
Read exact source ↗
Consumer Financial Protection Bureau
Report Date Dec 31, 2025 · Captured Aug 31, 2026 · record cfpb:tccp:2025-12-31:comenity-bank:sportsman-s-guide-buyer-s-club-rewards-visae
Fields: Other Fee Amount, Other Fee Explanation, Other Fee Name
Read exact source ↗
Consumer Financial Protection Bureau
Report Date Dec 31, 2025 · Captured Oct 4, 2026 · record cfpb:tccp:v2:2025-12-31:comenity-bank:sportsman-s-guide-buyer-s-club-rewards-visae:d057358060b6ef7b18240867b55ab3f346624df415f8666233a1bb62768c79be
Fields: Other Fee Amount, Other Fee Explanation, Other Fee Name
Read exact source ↗
Consumer Financial Protection Bureau
Report Date Dec 31, 2025 · Captured Aug 31, 2026 · record cfpb:tccp:2025-12-31:comenity-bank:sportsman-s-guide-buyer-s-club-rewards-visae
Fields: Other Fee Amount 2, Other Fee Explanation 2, Other Fee Name 2
Read exact source ↗
Consumer Financial Protection Bureau
Report Date Dec 31, 2025 · Captured Oct 4, 2026 · record cfpb:tccp:v2:2025-12-31:comenity-bank:sportsman-s-guide-buyer-s-club-rewards-visae:d057358060b6ef7b18240867b55ab3f346624df415f8666233a1bb62768c79be
Fields: Other Fee Amount 2, Other Fee Explanation 2, Other Fee Name 2
Read exact source ↗
Consumer Financial Protection Bureau
Report Date Dec 31, 2025 · Captured Aug 31, 2026 · record cfpb:tccp:2025-12-31:comenity-bank:sportsman-s-guide-buyer-s-club-rewards-visae
Fields: Other Fee Amount 3, Other Fee Explanation 3, Other Fee Name 3
Read exact source ↗
Consumer Financial Protection Bureau
Report Date Dec 31, 2025 · Captured Oct 4, 2026 · record cfpb:tccp:v2:2025-12-31:comenity-bank:sportsman-s-guide-buyer-s-club-rewards-visae:d057358060b6ef7b18240867b55ab3f346624df415f8666233a1bb62768c79be
Fields: Other Fee Amount 3, Other Fee Explanation 3, Other Fee Name 3
Read exact source ↗
Consumer Financial Protection Bureau
Report Date Dec 31, 2025 · Captured Aug 31, 2026 · record cfpb:tccp:2025-12-31:comenity-bank:sportsman-s-guide-buyer-s-club-rewards-visae
Fields: Other Fee Amount 4, Other Fee Explanation 4, Other Fee Name 4
Read exact source ↗
Consumer Financial Protection Bureau
Report Date Dec 31, 2025 · Captured Oct 4, 2026 · record cfpb:tccp:v2:2025-12-31:comenity-bank:sportsman-s-guide-buyer-s-club-rewards-visae:d057358060b6ef7b18240867b55ab3f346624df415f8666233a1bb62768c79be
Fields: Other Fee Amount 4, Other Fee Explanation 4, Other Fee Name 4
Read exact source ↗
Consumer Financial Protection Bureau
Report Date Dec 31, 2025 · Captured Aug 31, 2026 · record cfpb:tccp:2025-12-31:comenity-bank:sportsman-s-guide-buyer-s-club-rewards-visae
Fields: Over Limit Fee ($), Over Limit Fee Types, Over Limit Fees?, Overlimit Fee Detail
Read exact source ↗
Consumer Financial Protection Bureau
Report Date Dec 31, 2025 · Captured Oct 4, 2026 · record cfpb:tccp:v2:2025-12-31:comenity-bank:sportsman-s-guide-buyer-s-club-rewards-visae:d057358060b6ef7b18240867b55ab3f346624df415f8666233a1bb62768c79be
Fields: Over Limit Fee ($), Over Limit Fee Types, Over Limit Fees?, Overlimit Fee Detail
Read exact source ↗
Consumer Financial Protection Bureau
Report Date Dec 31, 2025 · Captured Aug 31, 2026 · record cfpb:tccp:2025-12-31:comenity-bank:sportsman-s-guide-buyer-s-club-rewards-visae
Fields: Minimum Purchase Transaction Fee Amount, Purchase Transaction Fee ($), Purchase Transaction Fee (%), Purchase Transaction Fee Calculation, Purchase Transaction Fee Type, Purchase Transaction Fees
Read exact source ↗
Consumer Financial Protection Bureau
Report Date Dec 31, 2025 · Captured Oct 4, 2026 · record cfpb:tccp:v2:2025-12-31:comenity-bank:sportsman-s-guide-buyer-s-club-rewards-visae:d057358060b6ef7b18240867b55ab3f346624df415f8666233a1bb62768c79be
Fields: Minimum Purchase Transaction Fee Amount, Purchase Transaction Fee ($), Purchase Transaction Fee (%), Purchase Transaction Fee Calculation, Purchase Transaction Fee Type, Purchase Transaction Fees
Read exact source ↗

CFPB Good (620–719) and Great (720+) definitions ↗

History

dates on sources or when they were captured

Dec 31, 2025: Annual fee, Balance transfer APR, Balance transfer fee, Balance transfer terms, Card terms, Cash advance APR, Cash advance fee, Foreign transaction fee, Late payment fee, Other fee, Over limit fee, Purchase APR, Purchase transaction fee

Offered through: Comenity Capital Bank
Legal issuer: Not established by retained evidence
Regulator: FDIC certificate 57570
Branches: 2 in DE, UT
Sources: Government dataset · 1 document · 0 pages cited

Documents

Sportsman's Guide Buyer's Club® Rewards Visa® - Current Credit Card Agreementseffective date not parsed

Sportsman's Guide Buyer's Club Rewards VisaeComenity Capital Bank · NM bank, DE · FDIC 57570

Rates and fees