Sportsman's Guide Buyer's Club® Rewards Visa® Current Credit Card Agreements

On the record for Sportsman's Guide Buyer's Club® Rewards Visa® Current Credit Card Agreements: a 35.99% purchase APR, a $35.88 annual fee and a 39.99% penalty rate, filed by Comenity Bank. The purchase rate sits at roughly the 97th percentile of the 4,587 agreements indexed here.

What the agreement puts on the record

Comenity Bank submitted the terms for Sportsman's Guide Buyer's Club® Rewards Visa® Current Credit Card Agreements to the CFPB's agreement database; this is what they contain. The filing runs 12 pages, and It is issued on the Visa network.

The filing is explicit about a purchase rate, a cash advance rate, a balance transfer rate, a penalty rate and an annual fee line. It is silent on a grace period.

The purchase APR against the corpus

The purchase APR of 35.99% places this agreement around the 97th percentile of the set — it ranks among the most expensive figures in the whole collection.

The cost of carrying a balance

The purchase rate turns a $3,000 revolving balance into roughly $1,299 of annual interest.

Against the corpus median of 21.99%, that is approximately $561 a year of extra interest on the same $3,000.

Broken down to a single thirty-day cycle, the same balance accrues roughly $90.02.

Small balances do not get a proportionally small bill — the agreement imposes a $3 minimum interest charge in any month where interest applies.

Treat this as an illustration of what the disclosed rate does, not as a projection of a real account, which would be shaped by payments and by the fees described elsewhere in the filing.

Charges beyond interest

$35.88 a year is the disclosed annual fee, which ranks near the 84th percentile of the fees filed across this corpus.

Expressed in the card's own terms, the $35.88 fee equals about a year's interest on a $100 balance at the disclosed 35.99% purchase rate.

Cash advances carry a cash advance fee of 35.99% and a cash advance APR of 35.99%.

Balance transfers cost $10 or 3% of the amount transferred, whichever is greater up front and then accrue at 35.99%. On $5,000 that fee is about $150 before any interest is charged.

Foreign transactions attract 3%. On $1,500 of overseas spending that is $45, charged on top of whatever exchange rate applies.

That is at the high end of this corpus — around the 91st percentile of disclosed foreign transaction fees.

What a missed payment costs

A penalty APR of 39.99% sits in this filing, applied when the account falls into default as the agreement defines it. Against the 794 filings here that disclose one, that is roughly the 86th percentile.

A default therefore reprices the debt by 4 points: about $117 a year more on $2,000, for as long as the penalty rate stands.

The maximum late fee is $41 — roughly the 89th percentile of the late fee ceilings disclosed across this index.

The grace period

A minimum interest charge of $3 applies in any cycle where interest is due, which makes very small revolving balances disproportionately expensive.

Against the rest of Comenity Bank's filings

45 separate Comenity Bank filings appear in the corpus. Across that lineup purchase rates span 30.24% to 35.99%; this filing's 35.99% sits above 7 of the comparable ones.

What is outside the disclosure

This page cannot tell you a grace period, because the filing's disclosure table as read does not contain it.

It is worth being explicit about scope: these filings record terms and pricing. They say nothing about rewards programmes, cardholder benefits, promotional offers or who the issuer will approve, and this review does not speculate about any of it.

Go to the source

Everything here is a reading of the filed agreement, 12 pages of it, which is linked above and which governs. Terms also change between filings, so the date on the document matters.

In short

35.99% on purchases is the number that dominates this agreement. Paid in full each cycle it never applies; carried, it is among the dearer prices in this index. Note that the $35.88 annual fee falls due whether the card is used or not.