Quick answer: The myAcademy Rewards Credit Card is issued by Comenity Capital Bank, part of Bread Financial. Manage the account, pay your bill and check your balance through the Comenity account centre at comenity.net. Card customer service is 877-321-8509.
Last verified: 10 September 2026. The issuer, the account portal and the 877-321-8509 service number were checked against Academy’s own credit card help pages and Comenity/Bread Financial on this date. Card terms are set by the issuer and can change without notice — confirm anything specific to your account with the issuer directly.
myAcademy Rewards Credit Card at a Glance
| Detail | What to know |
|---|---|
| Card issuer | Comenity Capital Bank (Bread Financial) |
| Account portal | comenity.net |
| Card customer service | 877-321-8509 |
| Bread Financial general line | 888-819-1918 |
| Where it is used | Academy Sports + Outdoors stores and academy.com |
| Retailer site | academy.com |
About the Card
The myAcademy Rewards Credit Card is a store card for Academy Sports + Outdoors shoppers, issued by Comenity Capital Bank. Comenity is the consumer credit arm of Bread Financial, which is why you will see both names — account pages sit on comenity.net while the company brands itself as Bread Financial.
Store cards of this kind typically offer rewards or promotional discounts at the retailer and carry a high variable interest rate. The rewards are only worth having if the balance is cleared in full each month; carried balances cost more in interest than store rewards return. We have deliberately not quoted an interest rate here, because retail card APRs are variable and any figure published in an article dates quickly — the rate that applies to you is the one in your cardholder agreement and on your statement.
How to Log In and Manage Your Account
Registering for Online Access
- Go to comenity.net and choose to register or set up online access.
- Enter your account number and the identifying details requested, typically your date of birth, the last four digits of your Social Security number and your ZIP code.
- Create a username and password and set your security questions.
- Confirm your email address so statements and alerts reach you.
Signing In
- Open comenity.net.
- Enter your username and password.
- Complete the one-time passcode step if you are prompted for one.
Login Problems and How to Fix Them
- Details rejected: they must match exactly what the bank holds. An old ZIP code from a previous address is the most common mismatch.
- Forgot username or password: use the recovery links beneath the sign-in form and complete the verification steps.
- Account locked: repeated failed attempts lock access, and this cannot be reset from the login page. Call the number on the back of your card.
- Page will not load: clear cache and cookies, try another browser, and switch off any VPN — banking portals routinely block VPN traffic.
How to Pay Your Bill
- Online: sign in at comenity.net and use the payment option on your dashboard. Setting autopay to the full statement balance prevents late fees and interest together.
- By phone: call 877-321-8509 and follow the prompts, with your account and bank details ready.
- By mail: send a cheque or money order — never cash — with your account number on it, to the remittance address printed on your current statement. Addresses change, so do not reuse one from an old bill or another website. Allow seven to ten days.
Make Sure You Are on the Real Login Page
- Type the address yourself. Reach comenity.net from your own bookmark or the address bar, not from a link in an email, text or advertisement.
- Never share a one-time passcode, your full card number or your password with anyone who contacted you. Hang up and call the number on your card.
- No legitimate lender collects by gift card, wire transfer or payment app. That tell identifies a scam on its own.
- Avoid signing in on public Wi-Fi — see our guide on whether a Wi-Fi network is secure, and our safe online shopping guide.
Frequently Asked Questions
Who issues the Academy Sports credit card?
Comenity Capital Bank, part of Bread Financial.
Where do I log in to my Academy credit card?
Through the Comenity account centre at comenity.net.
What is the Academy credit card customer service number?
877-321-8509. Bread Financial also runs a general line on 888-819-1918.
Where can I use the card?
At Academy Sports + Outdoors stores and on academy.com.
What interest rate does the card charge?
It is a variable rate set by the issuer and it changes over time, so check your cardholder agreement and statement rather than any figure quoted in an article.
Conclusion
The myAcademy Rewards Credit Card is issued by Comenity Capital Bank under the Bread Financial umbrella, managed at comenity.net on 877-321-8509. Set autopay to the full statement balance so the variable rate never costs you anything, and treat the rewards as a small bonus rather than a reason to carry a balance.
Managing other store cards? See our guides to the TJ Maxx credit card, the Old Navy credit card and the Gap credit card. You may also find our guide to the https://d.comenity.net/ac/Academy/public/home useful.
Not the card you were looking for? Our store credit card login guide lists the issuing bank, login portal and customer service number for twelve major store cards in one table.
