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Sportsman's Guide Buyer's Club Rewards Visae

Comenity Bank

Top-25 issuerNationalFixed rateCredit score 620–719Credit score 720+
Issuer site ↗
Purchase APR
35.99%
Annual fee
None
0% intro
None
0% transfer
None
Foreign fee
3%
Grace period
25 days

Contract X-Ray — what's buried in the fine print

5 red flags · 45 filed docs

Detected in the CFPB-filed cardholder agreements from Comenity Bank. Verbatim quotes below — CardSleuth flags the language; this isn't legal advice.

Forced arbitration

You give up your right to sue in court — disputes are pushed into private arbitration.

Show the exact wording ↓
“…f t h i s A g r e e m e n t i s i n v a l i d , t h e r e s t s h a l l r e m a i n i n e f f e c t , e x c e p t a s o t h e r w i s e noted in the Arbitration Provision. N o Wa i v e r We will not lose our rights under this Agreement because we delay or do not enforce them. Assignment W e m a y a s s i g n a n y o r…”
Ann Taylor Mastercard® Credit Card or Ann Taylor Credit Card - Current Credit Card Agreements ↗
“…f o r t h i s Account or other evidence of indebtedness on your Account is your signature on this Agreement. Arbitration: This Agreement includes an Arbitration Provision with class action and jury trial waivers. Yo u c a n r e j e c t t h e A r b i t r a t i o n P r o v i s i o n . I f y o u d o n o t , i t w i l l b…”
Avenue credit card - Current Credit Card Agreements ↗
“…o n f o r this Account or other evidence of indebtedness on your Account is your signature on this Agreement. Arbitration: This Agreement includes an Arbitration Provision with class action and jury trial waivers. Yo u c a n r e j e c t t h e A r b i t r a t i o n P r o v i s i o n . I f y o u d o n o t , i t w i l l b…”
Bealls Inc. Credit Card - Bealls Florida_Current Credit Card Agreements ↗
Class-action waiver

You can't band together with other cardholders in a class action.

Show the exact wording ↓
“…ohibition Against If you or we elect to arbitrate a Claim: Certain Proceedings a. neither you nor we may participate in a class action in court or in class-wide arbitration, either as a ( C l a s s A c t i o n Wa i v e r ) plaintiff, defendant or class member; b. neither you nor we may act as a private attorney general i…”
Ann Taylor Mastercard® Credit Card or Ann Taylor Credit Card - Current Credit Card Agreements ↗
“…ation. 7. Prohibition If you or we elect to arbitrate a Claim: Against Certain a. neither you nor we may participate in a class action in court or in class-wide Proceedings arbitration, either as a plaintiff, defendant or class member; (Class Action b. neither you nor we may act as a private attorney general in court or in Wa i v e…”
Avenue credit card - Current Credit Card Agreements ↗
“…not be joined or consolidated with Claims brought by or against any other person; and d. the arbitrator shall have no power or authority to conduct a class-wide arbitration, private attorney general arbitration or other representative arbitration. 8. Location and Any arbitration hearing that you attend must take place at…”
Bealls Inc. Credit Card - Bealls Florida_Current Credit Card Agreements ↗
Jury-trial waiver

You waive your right to have a dispute heard by a jury.

Show the exact wording ↓
“…n d w e w a i v e a n y r i g h t t o t r i a l b y j u r y i n t h e e v e n t o f a l a w s u i t arising out of or related to this Agreement. This jury trial waiver shall not affect the Arbitration Provision b e l o w ( i n c l u d i n g t h e j u r y t r i a l w a i v e r c o n t a i n e d t h e r e i n ) . Yo…”
Ann Taylor Mastercard® Credit Card or Ann Taylor Credit Card - Current Credit Card Agreements ↗
“…indebtedness on your Account is your signature on this Agreement. Arbitration: This Agreement includes an Arbitration Provision with class action and jury trial waivers. Yo u c a n r e j e c t t h e A r b i t r a t i o n P r o v i s i o n . I f y o u d o n o t , i t w i l l b e p a r t o f t h i s A g r e e m e n…”
Avenue credit card - Current Credit Card Agreements ↗
“…n d w e w a i v e a n y r i g h t t o t r i a l b y j u r y i n t h e e v e n t o f a l a w s u i t arising out of or related to this Agreement. This jury trial waiver shall not affect the Arbitration Provision https://d.comenity.net/ac/caesarsrewardsvisa/public/credit-card-agreement 9/16 11/3/25, 3:16 PM Caesars…”
Caesars Rewards Prestige® Visa® Credit Card - Current Credit Card Agreements ↗
Deferred interest

“No interest if paid in full” — miss the deadline and you're billed interest back to day one.

Show the exact wording ↓
“…er Credit Plans at end of billing period (excluding new interest charges for those plans) (minimum $5); plus (2) New interest charges for those plans Deferred Interest, Payment Required or 3.5% of sum of plan balances at end of billing period rounded up to nearest $1 Wa i v e d I n t e r e s t , P a y m e n t R e q…”
Ann Taylor Mastercard® Credit Card or Ann Taylor Credit Card - Current Credit Card Agreements ↗
“…i t P l a n a s d e s c r i b e d b e l o w. A s o f t h e P r i n t D a t e , y o u r P u r c h a s e A P R i s 35.99%. Current offers may include: Deferred Interest, Low Payment: No interest if paid in full within 6, 12, 18, 24, 36, or 48 months. Interest will be charged to the Account from the purchase date at t…”
Arhaus Archarge Credit Card - Current Credit Card Agreements ↗
“…s at end of billing period rounded down Interest, Payment Required and to nearest $5 (minimum $5) Wa i v e d I n t e r e s t , P a y m e n t Required Deferred Interest, Equal Purchase amount divided by number of months in promotional period P a y m e n t o r Wa i v e d I n t e r e s t , rounded up to nearest $1 Equa…”
Avenue credit card - Current Credit Card Agreements ↗
Penalty APR

Slip up and your rate can jump to a much higher penalty APR.

Jumps to ~33.49%
Show the exact wording ↓
“…a r d Annual Percentage Rate 35.99% 35.99% (APR) for Purchases A P R f o r B a l a n c e Tr a n s f e r s 35.99% N/A APR for Cash Advances 35.99% N/A Penalty APR and When it Up to 39.99% Up to 39.99% Applies This APR will vary with the market based on This APR will vary with the market the Prime Rate. based on…”
Ann Taylor Mastercard® Credit Card or Ann Taylor Credit Card - Current Credit Card Agreements ↗
“…Florida, Bealls Outlet, and Burkes Outlet. Read it and keep it. Interest Rates and Interest Charges Annual Percentage Rate (APR) for 35.99% Purchases Penalty APR and When it 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 if you make a la…”
Bealls Inc. Credit Card - Bealls Florida_Current Credit Card Agreements ↗
“…ement) for the Buckle Credit Card Account. Read it and keep it. Interest Rates and Interest Charges Annual Percentage Rate (APR) for 35.99% Purchases Penalty APR and When it 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 if you make a la…”
Buckle Credit Card - Current Credit Card Agreements ↗
Arbitration opt-out

The contract lets you reject arbitration (usually within a short deadline) and keep your right to sue.

Show the exact wording ↓
“…t $1 o r Wa i v e d I n t e r e s t , L o w P a y m e n t How to Contact Us: Arbitration Claims Comenity Bank, PO Box 182436, Columbus, OH 43218-2436 Arbitration Rejection Comenity Bank, PO Box 182422, Columbus, OH 43218-2422 Bankruptcy Notifications Comenity Bank, Bankruptcy Department, PO Box 182125, Columbus, OH 4…”
Ann Taylor Mastercard® Credit Card or Ann Taylor Credit Card - Current Credit Card Agreements ↗
“…O r Wa i v e d I n t e r e s t , L o w nearest $5 Payment How to Contact Us: Arbitration Claims Comenity Bank, PO Box 182436, Columbus, OH 43218-2436 Arbitration Rejection Comenity Bank, PO Box 182422, Columbus, OH 43218-2422 Bankruptcy Notifications Comenity Bank, Bankruptcy Department, PO Box 182125, Columbus, OH 4…”
Avenue credit card - Current Credit Card Agreements ↗
“…o r Wa i v e d I n t e r e s t , L o w nearest $1 Payment How to Contact Us: Arbitration Claims Comenity Bank, PO Box 182436, Columbus, OH 43218-2436 Arbitration Rejection Comenity Bank, PO Box 182422, Columbus, OH 43218-2422 Bankruptcy Notifications Comenity Bank, Bankruptcy Department, PO Box 182125, Columbus, OH 4…”
Bealls Inc. Credit Card - Bealls Florida_Current Credit Card Agreements ↗

Checked & clear: Change-anytime clause

Purchase APR by credit tier

Median rate the issuer reported for each tier

The purchase rate was not broken out by credit tier — the issuer reported a single range.

Lowest offered35.99%
Median35.99%
Highest offered35.99%

Cash advance APR

The cash advance rate was not broken out by credit tier — the issuer reported a single range.

Lowest offered35.99%
Median35.99%
Highest offered35.99%

Every fee on this card

Annual feeNone
Balance transfer feeCharged (amount not reported)
Cash advance feeCharged (amount not reported)
Foreign transaction fee3%
Purchase transaction feeNone
Late fee$30
Repeat late fee (6 mo)$41
Over-limit feeNone
Minimum finance charge$3
Balance computationOther
Additional fees
Returned Payment Fee$30
Alternative Payment Method Fee$15
Paper Statement Fee$2.99
Penalty APR$39.99

Rewards, benefits and features

Rewards
  • Other rewards
Services
  • Credit card registration
  • Discounts on purchases of goods and services (non travel related)
  • Other
Features
  • Chip card
  • Mobile wallet provisioning (for example, Apple Pay)

Issuer note: Additional 2.5% Discount on all merchandise you buy from The Guide; 1% back in rewards points on spend made outside Sportsman's Guide; $10 Reward Certificate for every 1,000 reward points earned; $40 Reward Certificate when you spend $500 outside Sportsma

Who can get this card

AvailabilityNational
Membership requirementsOpen to the public
Phone1-888-252-5557
Balance transfer

This card does not offer a balance transfer rate.

Cost to carry a balance
Interest for a year at 35.99%$1,079.70
Annual / periodic fees$0
Total yearly cost$1,079.70

Simple interest on a constant balance — a plain-language upper bound rather than an amortisation schedule. Paying in full each month within the 25-day grace period avoids the interest entirely.

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