Sportsman’s Warehouse Credit score Card Assessment 2023


In the event you’re the sort of one that enjoys the nice outdoor, the Sportsman’s Warehouse Explorewards Visa® could also be an ideal match. 

You may earn limitless factors at Sportsman’s Warehouse, fuel stations, campgrounds, and residential enchancment shops. And you may then redeem these factors for Sportsman’s Warehouse present playing cards. 

Sound like one thing proper up your alley? Effectively, there could also be some drawbacks it is best to contemplate.

So, learn on for extra data earlier than you apply for this card—

This text will present you:

  • How the Sportsman’s Warehouse bank card works.
  • Its charges, rewards, and advantages.
  • The professionals and cons it is best to be aware.

Learn extra:

Sportsman’s Warehouse Credit score Card at a Look

Full title: Sportsman’s Warehouse Explorewards Visa®

Greatest for: Incomes rewards for buying at Sportsman’s Warehouse shops

Issuer: Comenity Capital Financial institution

Credit score rating wanted: Good to wonderful (690+)

What’s the Sportsman’s Warehouse Credit score Card?

This can be a no-annual-fee bank card from the most important outside retailer within the western US and Alaska: Sportsman’s Warehouse. 

Issued by the Comenity Financial institution, this card is an splendid choose for nature lovers and outdoorsy of us.

You get bonus factors for each buy at fuel stations, campgrounds, and residential enchancment shops.

These factors can then be cashed in for outside gear and classy garments from Sportman’s Warehouse.

How Does the Sportsman’s Warehouse Credit score Card Work?

As a brand new cardholder of this Explorewards Visa, you possibly can rating 5,000 factors (value $50) by spending $500 exterior of Sportsman’s Warehouse inside 120 days of opening your account. 

That’s an additional month in comparison with different bank cards’ signup bonus qualification interval.

When you’re in, you’ll get entry to unique gross sales and particular affords obtainable solely to cardholders.

Now let’s discuss in regards to the long-term advantages. The Explorewards Visa® is designed with outside lovers in thoughts, providing rewards in particular classes:

  • Earn 5x factors on Sportsman’s Warehouse purchases.
  • Get 2x factors if you gasoline up at fuel stations.
  • Rating 2x factors if you keep at campgrounds.
  • Get pleasure from 2x factors in your purchases at dwelling enchancment shops.
  • Earn 1x factors on all the things else.

Your Explorewards factors will likely be credited to your account as soon as a month, inside 5 enterprise days of your bank card billing assertion being generated—so that you’ll see these rewards piling up often.

How Can You Redeem Your Factors

The cardboard affords limitless earnings in all classes, and you get to decide on when to redeem your factors

Every level is value $0.01, and so long as your account stays lively each 12 months, these factors received’t expire. 

However there may be one disadvantage to the Explorewards Visa— 

Bear in mind

You may solely redeem factors for Sportsman’s Warehouse present playing cards, which is a bummer for cashback lovers.

The excellent news is that there’s no minimal quantity of factors required for redemption, and there’s no most restrict on what number of factors you possibly can redeem directly. (You may redeem some extent for a present card value only one cent.) 

There’s additionally no restriction on the variety of present playing cards you possibly can apply to a single buy. 

So, when you’re getting near the one-year mark of inactivity however don’t want any outside gear, redeem no matter factors you will have as a result of present playing cards by no means expire.

You can begin redeeming your factors after getting at the least one obtainable level. 

Right here’s how:

  • Sign up to your account and click on on the “My Account” hyperlink.
  • From the drop-down menu, choose “Loyalty.”
  • On this web page, you’ll see the variety of factors and their greenback worth obtainable for redemption.
  • Click on on the “Redeem” button, and also you’ll get a present card, for the worth of your factors, to the e-mail deal with.

Need extra versatile redemption choices? Take a look at our checklist of the greatest cashback bank cards of 2023.

Sportsman’s Warehouse Credit score Card: Total Card Assessment

Right here’s our fast bank card evaluate and general ranking:

Key Sportsman’s Warehouse Credit score Card Charges & Charges

Listed here are all of the key charges it is best to contemplate earlier than getting your arms on this card:



Annual charge



19.99% or 28.99% (variable relying on creditworthiness)

Stability switch charge

Both $10 or 5% of the quantity of every steadiness switch, whichever is larger

Stability switch APR


Money advance charge

Both $10 or 5% of the quantity of every money advance, whichever is larger

Money advance APR

29.99% (variable)

International transaction charge

3% of every transaction in US {dollars}

Late charge

As much as $41

Returned cost charge

As much as $41

Sportsman’s Warehouse Credit score Card: Execs and Cons

Right here’s a fast look in any respect the execs and cons of getting this bank card:


  • No annual charge.
  • Beneficiant rewards program.
  • Rewards don’t expire.
  • Unique reductions.


  • Restricted redemption choices.
  • No intro APR.
  • International transaction charge.

Execs—why we prefer it

No annual charge

You don’t have to fret about an annual charge when utilizing the Sportsman’s Warehouse Visa card. 

Beneficiant rewards program

This card comes with a great rewards program that’s tailor-made for outdoorsy adventurers: 

  • 5x factors on Sportsman’s Warehouse purchases.
  • 2x factors on fuel stations.
  • 2x factors at campgrounds.
  • 2x factors at dwelling enchancment shops.
  • 1x factors for all different purchases.

Rewards don’t expire

Technically, your factors will expire one yr from the date you earned them if no extra purchases are made. 

However so long as you earn at the least one level per yr, all of your earlier factors received’t expire. 

To maintain monitor of when your factors could expire, confer with your receipt or your month-to-month Explorewards electronic mail assertion. 

Unique reductions

You’ll bag unique reductions when utilizing this Sportsman’s Warehouse card. 

As an example, when you use your card on the identical day as your account opening, you will get a 15% low cost in your first buy at Sportsman’s Warehouse. 

Cons—what to think about

Restricted redemption choices

This bank card solely helps you to redeem your factors for Sportsman’s Warehouse present playing cards. 

Until you’re already an avid shopper at this retailer, you received’t actually profit from the rewards program.

Learn extra:

No intro APR

Not like different prime Visa playing cards, the Explorewards bank card doesn’t have an intro APR supply. 

Meaning you possibly can’t leverage the cardboard to repay your bank card steadiness at 0% APR. As a substitute, you’ll need to cope with a excessive steadiness switch APR of 26.99% from the get-go. 

Take a look at higher options from our checklist of the greatest bank cards for steadiness transfers. 

International transaction charge

This card comes with a hefty overseas transaction charge of three% on all transactions exterior of the US. 

This charge could be a large ache when you’re an avid worldwide traveler. 

For instance, when you spend $2,000 on per week’s trip overseas, you’d pay a overseas transaction charge of $60.

In the event you’re a jetsetter, you’re higher off with a prime journey rewards bank card that gives 0% overseas transaction charges.

Alternate options: How Does the Sportsman’s Warehouse Card Evaluate to Different Rewards Credit score Playing cards?

Right here’s how the Sportsman’s Warehouse card compares to related bank cards:

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Helpful Hyperlinks

Sportsman’s Warehouse Card Opinions

Listed here are some Sportsman’s Warehouse bank card critiques from cardholders on the web:

Sportsman’s Warehouse bank card is a sequence rewards card, nice to make use of when you’re a frequent shopper to this venue. You get 3% spent on the retailer on their merchandise, however then 1% on exterior purchases, so you possibly can nonetheless rack up the factors to purchase what you need in a while.

Sportsman’s Warehouse bank card is just like Cabela’s bank card. This card affords a reward factors system of 1% of your purchases being one level, and three% again from Sportsman’s Warehouse. Whereas this doesn’t appear shabby, Cabela’s affords an even bigger preliminary cash bonus on approval.

Horrible and very gradual customer support. They don’t have any cellphone app and you can not arrange recurring automated funds. I’ve been making an attempt to dispute a replica cost for over three months.

Need extra choices? Take a look at these bank cards for good to wonderful credit score:

Is the Sportsman’s Warehouse Visa Card Good for Me?

The Sportsman’s Warehouse Explorewards Visa® bank card is a robust retail card tailor-made for people who’re into looking, fishing, tenting, boating, and different outside actions.

Bear in mind

You may solely redeem your factors for a Sportsman’s Warehouse present card.

A retailer bank card could be a good choice for anybody who often outlets at a selected retailer and is trying to maximize their rewards. Many retailer bank cards might be obtained even with low credit score scores, making them extra accessible.

Dr. Enoch Omololu

Founding father of Savvy New Canadians

So the reply’s fairly easy—get this bank card when you’re already an avid shopper at Sportsman’s Warehouse shops.

There are tons of different cashback bank cards just like the Blue Money Most popular® Card from American Specific or the Capital One Enterprise X Rewards card you possibly can contemplate for versatile redemption choices.


How do I apply for the Explorewards Visa?

You may have two choices to use for the Explorewards Visa. You may both go to your nearest Sportsman’s Warehouse retailer and apply on the checkout counter, or go browsing to 

As soon as your software is accepted, you’ll obtain a welcome package to your new bank card within the mail inside seven to 10 enterprise days.

Learn extra:

How do I pay my Sportsman Warehouse bank card?

To make a web-based cost, merely go to comenity.internet/sportsmansvisa.

Click on on the “Handle Account” choice. 

Alternatively, you possibly can contact Comenity Capital Financial institution by calling (844) 271-2629. 

In the event you desire to mail your cost, ship it to the next deal with:

Comenity Capital Financial institution

CP – 659707

San Antonio, TX, 78265-9707

Use our free bank card payoff calculator to remain on prime of your debt.

What credit score rating is required for a sportsman’s warehouse?

You’ll want a credit score rating of 690 or increased to be eligible for the Sportsman’s Warehouse bank card. 

This implies of us with a good credit score rating have a greater probability of being accepted for this card.

Not there but? Perceive what credit score rating ranges are and take a look at these tips about easy methods to improve your rating rapidly.

What’s the beginning credit score restrict for the Sportsman’s Warehouse Credit score Card?

The preliminary credit score restrict for the Sportsman’s Warehouse Credit score Card can begin as little as $100. 

Nevertheless, the higher your credit score rating, the upper your credit score restrict will likely be. 

After at the least six months of getting the account open, you might change into eligible for a credit score restrict improve. You may both request it or await the cardboard issuer to supply it to you. 

Take into account that a credit score restrict improve could lead to a tough inquiry in your credit score report, which may have a short lived damaging influence in your credit score rating.

Learn extra:

Does the Sportsman’s Warehouse Credit score Card do a tough pull?

Sure, the Sportsman’s Warehouse Credit score Card does require a tough inquiry if you apply. 

With the intention to be accepted for this card, you’ll want a credit score rating of at the least 690. 

Sadly, the one solution to discover out when you’re pre-approved for the cardboard is that if the cardboard issuer sends you a suggestion.

How can I add a Sportsman’s Warehouse Credit score Card approved person?

So as to add a licensed person to your Sportsman’s Warehouse Credit score Card, merely contact customer support at (844) 271-2629. 

You’ll want to supply some private data to finish the method.

Can I take advantage of my Sportsman’s Warehouse Credit score Card wherever?

Sure, you need to use your Sportsman’s Warehouse bank card wherever as a result of it’s a Visa card. 

Visa playing cards are broadly accepted nearly all over the place you go.


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