Carrying $3k for a year ≈ $749.70
Sportsman's Guide Buyer's Club Rewards Visae
Contract X-Ray — what's buried in the fine print
5 red flags · 45 filed docsDetected in the CFPB-filed cardholder agreements from Comenity Bank. Verbatim quotes below — CardSleuth flags the language; this isn't legal advice.
You give up your right to sue in court — disputes are pushed into private arbitration.
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“…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…”
“…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…”
“…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…”
You can't band together with other cardholders in a class action.
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“…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…”
“…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…”
“…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…”
You waive your right to have a dispute heard by a jury.
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“…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…”
“…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…”
“…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…”
“No interest if paid in full” — miss the deadline and you're billed interest back to day one.
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“…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…”
“…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…”
“…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…”
Slip up and your rate can jump to a much higher penalty APR.
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“…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…”
“…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…”
“…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…”
The contract lets you reject arbitration (usually within a short deadline) and keep your right to sue.
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“…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…”
“…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…”
“…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…”
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.
Cash advance APR
The cash advance rate was not broken out by credit tier — the issuer reported a single range.
Every fee on this card
Rewards, benefits and features
- Other rewards
- Credit card registration
- Discounts on purchases of goods and services (non travel related)
- Other
- 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
This card does not offer a balance transfer rate.
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.
46 documents filed by Comenity Bank in the 2026 Q1 archive.
- Ann Taylor Mastercard® Credit Card or Ann Taylor Credit Card - Current Credit Card Agreements367 KB
- Ann Taylor Mastercard® Credit Card or Ann Taylor Credit Card - Current Credit Card Agreements367 KB
- Arhaus Archarge Credit Card - Current Credit Card Agreements179 KB
- Avenue credit card - Current Credit Card Agreements217 KB
- Bealls Inc. Credit Card - Bealls Florida_Current Credit Card Agreements722 KB
- Bealls Inc. Credit Card - Bealls Outlet_ Current Credit Card Agreements721 KB
More from this issuer
Carrying $3k for a year ≈ $802.20
Carrying $3k for a year ≈ $958.70 incl. $149 fee
Carrying $3k for a year ≈ $1,079.70