the sportsman guide visa
WHAT YOU SHOULD KNOW FIRST:
Abercrombie & Fitch Credit Card
Ann Taylor MasterCard Credit Card
Ann Taylor Credit Card
Arizona Mail Order Credit Card
Arhaus Credit Card
Ashley Stewart Credit Card
Avenue Credit Card
Bon Ton Credit Card
Buckle Credit Card
Burke’s Outlet Credit Card
Chadwick’s Credit Card
Chadwick’s Visa Card
Christopher and Banks Credit Card
Crate and Barrel Credit Card
Crescent Jewelers Credit Card
David’s Bridal Credit Card
Domestications Credit Card
Dots Credit Card
dressbarn Credit Card
Dunlaps Credit Card
Eddie Bauer Credit Card
Express Credit Card
Fashion Bug Credit Card
Fortunoff Credit Card
Fortunoff VISA Credit Card
Friedman’s Credit Card
Goody’s Credit Card
Gordmans Credit Card
Grand Rental Station Credit Card
Home Shopping Network (HSN)
Home Shopping Network (HSN) Mastercard
Jessica London Credit Card
Lane Bryant Credit Card
The Limited Credit Card
LOFT MasterCard Credit Card
LOFT Credit Card
maurices Credit Card
Marathon Credit Card
Marathon VISA Car
New York&Company MasterCard
Newport News MasterCard
New York&Company Rewards Credit Card
Newport News Credit Card
Ohio University Alumni MasterCard
OSH Credit Card
OSH Commercial Credit Card
Overtons Credit Card
Palais Royal Credit Card
PacSun Credit Card
Parisian Credit Card
Peebles Credit Card
Petite Sophisticate Credit Card
Petland Credit Card
Pier 1 Credit Card
Pottery Barn Kids Credit Card
Pottery Barn Credit Card
Priscilla of Boston Credit Card
Premier Designs Credit Card
Reeds Credit Card
Restoration Hardware Credit Card
Spiegel Credit Card
Sports Authority Credit Card
The Sportsman’s Guide Visa
Talbots Credit Card
The Tog Shop Credit Card
TigerDirect Credit Card
Torrid Credit Card
Total Rewards Visa Credit Card
Trek Credit Card
True Value Credit Card
UnderGear Credit Card
uTango VISA Credit Card
Value City Furniture Credit Card
Victoria’s Secret Credit Card
Virgin America Visa
West elm Credit Card
Westgate Credit Card
This is the simple part:
Based on my experience and what I have read from others’ experiences, the following cards are pretty easy to get this way: Express, Buckle, J Crew, and Pier 1. I have read a lot of comments that it does not work with Abercrombie & Fitch – at least for a lot of people.
The Total Rewards Visa is part of the Harrah’s Total Rewards players club. I have read that it does work with this card as well; most people discover the pop-up almost immediately after they login to their Total Rewards account.
If you don’t get the pop-up and select a link for the card on the store’s website and then subsequently fill out an application, understand you WILL get a hard inquiry on your credit file.
Finally, remember that even without the inquiry, you are adding a new account to your credit files. Doing so may lower your AAoA (Average Age of Accounts), which some people may not wish to do. In my opinion, for those trying to build credit history and need open, active tradelines to do so, getting a couple cards this way can help achieve this without adding an inquiry or inquiries. Keep the balances low or paid off and let the accounts age – they will really start helping 6-12 months later and beyond.
Whether you are working on improving your credit or just maintaining the good credit you already have, it’s important to be mindful of, even small actions, that can potentially damage your credit score. Some of these actions might only affect your score by a couple of points for a short period of time, but there are instances, such as being right on the line between good and excellent credit, that every point counts.
One of the ways your credit can decrease is through multiple credit inquiries, also referred to as “hard pulls". So what do you do if you want to take advantage of a store’s rewards program or its credit card’s sign-up offer? There is something known as the “shopping cart trick” which can allow you to apply for a store card without a hard credit inquiry. With this trick, you can get a store credit card and participate in any new cardholder offers, without worrying if the inquiry will decrease your credit score.
The shopping cart trick is simply a way to apply for a store credit card without getting a hard inquiry on your credit report when you apply. This is especially ideal for shoppers who can’t afford the potential loss of points from the credit check, or for those who already have bad credit and aren’t sure if you’ll qualify for the card. It can be seen as sort of a prequalification measure that doesn’t affect your credit score.
It’s important to note that the shopping cart trick only works for store credit cards issued by Comenity bank, as well as some issued by Synchrony and Wells Fargo.
But, for the most part, these are the primary issuers of store credit cards anyway.
To do this trick, you’ll need to make sure you are opted in for credit card promotional emails, which is usually everyone’s default. Also, make sure you have your popup blocker off if you use one, otherwise you could miss out on a credit card promotional offer. Otherwise, you are ready to use the shopping trick.
1. Go to the store’s website. For instance, if you want the Walmart card, you would need to go to Walmart.com or VictoriasSecret.com
2. Join the loyalty program. You can also skip this step and checkout as a guest if you choose.
3. Add items to your shopping cart.
3. Begin the checkout process by entering your address. Be sure it matches the address on your credit reports.
4. You should get the credit card offer before you reach the final payment page. Just accept the card offer and apply for the card.
5. If you didn't get the offer, the trick hasn’t worked, and you should try again. Possibly, popups are blocked in your browser - turn it off to get the offer.
Some of the stores and cards you can apply online with using this trick include but are not limited to the following:
There are many other popular retailers such as Walmart that allow you to use this trick, so if you aren’t sure, it’s best to try it out, especially if it’s a Synchrony or Comenity store card.
Read more about our other popular here.
The shopping card trick is helpful not only because it lets you apply for store cards without a hard pull on your credit report, but it can also be helpful in other ways. For instance, store cards are generally easier to qualify for if you have bad credit or credit problems in the past. By using the shopping cart trick, you can see if you apply for the card without racking up harmful credit inquiries, and when you get the card, you can start rebuilding your credit. Further, because there isn’t a hard pull, the creditor isn’t able to see things like bankruptcies, and if they are able to see accounts by other retailers, they are more likely to approve your account.
Also, stores and credit cards typically offer valuable sign-up bonuses or discounts for new cardholders and customers. You can end up saving money or getting a financing offer that can result in a savings of hundreds of dollars.
Heres's a video instruction how to do a shopping cart trick.
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by » Sat Aug 23, 2014 12:01 am
Okay. I confess too. Couple of months ago, out of curiosity, I randomly decided to see if the shopping cart trick thing was actually real and could actually work for me and quite frankly I didn't get anything so I didn't bother to go beyond that. No pop ups or anything no matter which browser I used.
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The shopping cart trick, also known as the soft pull trick, is a clever method that allows people with bad credit to get a credit card. The shopping cart trick relies on the fact that many websites will pre-approve you for a credit card during the checkout process without actually checking your score. This means you can get a card without a “hard pull” (which damages your score) and also means you can still get a card with bad credit. This guide will show you step by step how to do the shopping cart trick so you can build your credit score and get back on the right path.
FEB 2017 UPDATE: Trick is still working! Changed around the list a bit to stay current.
The following stores have a comenity store credit card offer, and have been tested to work with the shopping cart trick. To start, select a few off the list that you want, and save the websites for later. I always recommend only focusing on three sites at a time, and if they fail, moving on to three more.
How to Do the Shopping Cart Trick (Step by Step)
There are a few stores that work best with the shopping cart trick. Most people report that the Victoria’s Secret comenity credit cart gives a high chance of showing up, and I know the Express card popped up for me quickly as well. Buckle gives out a lot of cards through comenity bank as well so the shopping cart trick should work good for that one. Those are going to be the easiest comenity cards to get. Like I said before, pick three that you want and try them a few times. If they don’t show, make sure your popup blocker is off. When all else fails try three more until you get one!
Guaranteed Approval Credit Cards
Many people say that 100% approval credit cards don’t exist, but there are a few that actually do work. I had a score in the 400s until I found the that preapproved me quickly and offered me a 0 credit limit. Before this card, I wasn’t able to get any card whatsoever. Of course once I got this card and started building my credit, I was getting offers left and right!
Another option is the . This card is another guaranteed approval that offers a 00 limit! I suggest picking up the Horizon Gold card and this one as well. Using two cards at once can boost your score quickly.
Getting cards with the shopping cart trick will definitely boost your score a good deal, but if you want to reach your credit score goals, you’re going to have to follow a whole system. The truth is that credit cards can help your credit score, but there are other factors that heavily weigh into how that score is calculated. You’re going to have to attack your bad credit from all angles if you wan’t to have major results.
I created a free guide showing how I took my score from absolute trash (mid 400s) to where it is now (over 750). In fact, by using the methods laid out in the guide, most people are able to boost their credit score 100 points in 30 days!
To summarize, the shopping cart trick is a great way to get a credit card without actually having a hard pull on your report. It can also help someone with bad credit get approved for a card that they normally wouldn’t be able to get. Remember my tips! If you don’t get the popup, go to the next one. Try again at a later date if you have to. The truth is that this method works if you want to get a card but have bad credit, and I’m a living testament to that. Best of luck! Make sure to post your results in the comments and share any other tricks you might have with the soft pull method.
It’s no secret that every time you apply for a credit card, your credit file is hit with an “Inquiry.” Too many of these and your score could quickly go downhill fast. But here’s a way to get pre-approved credit cards with the shopping cart trick, with companies that only do a “soft pull.”
This is a very easy process. You visit the store, sign up for their mailing list, and add something to the cart. As you begin the checkout process, and before you actually have to pay, you will see a pop up that says, “You’ve been approved for….” Sounds easy, doesn’t it?
Keep in mind that this only works with particular stores and I will give you those in a moment. Another tip is that you should clear your browser history before trying another store and don’t do too many in one day. Try only for cards that you will actually use.
While this is a great way to get credit cards, don’t go overboard. Your credit score is based on mortgages, loans, credit cards, etc. so having too many credit cards may not always be the best way to go, especially if you’re looking to make a major purchase down the road.
Now onto the good stuff…
This list of stores where the shopping cart trick has been known to work. Remember, sign up for the mailing list first, add something to the cart and proceed to the checkout. If you get a pop up, you will enter the last four digits of your social security number, name, address, and that’s it! If you don’t want to make the purchase, you do not have to finish the checkout process and you will still get the card. If it doesn’t work for you, then maybe you need to check your credit report and see how bad your credit really is. The flipside is, if it does work, you can now go shopping. Many stores off great discounts for first time shoppers who are newly approved for a credit card, but use your credit wisely.
If one doesn't work, try another. Let me know how it works for you…
Most people find Victoria Secrets one of the easiest cards to get using this method, I’ve also had a lot of success with Overstock as well. If you’ve gotten the shopping cart trick to work on any other cards then please let me know.
I noticed after many months of not being able to get the sct to work on Their visa cards. after every site i visit now they are coming up. Any info about this card? the last time i took people advice i jumped on the Total Rewards Card. and to my Dissapointment. they gave me a pultry. 1250 credit limit. how about this one guys?. just trying to of course pad the util.
My AAoA has long been shot. as fico told me im not earning a single point in that catagorie. so may as well
Stores That This Trick Works With
Below are a list of stores that I’ve seen successful reports on this trick working. The trick won’t work 100% of the time, so if you don’t see a pre-approved offer don’t stress out, just try again in a few weeks and hope for the best.
The Sportsman’s Guide Credit Card Payment and Login
Making your Sportsman’s Guide credit card payment or need to login to view your statement or manage your account online? Are you looking for a new store card for your outdoor lifestyle purchases? If you are regular shopper at The Sportsman’s Guide, then you may be able to make good savings and receive good rewards with the Sportsman’s Guide Credit Card. It is understandable if you are unsure, but fear not, as this guide gives you all the information you need to know about this card all in one convenient location. Read on for details on rewards, incentives, offers, interest rates and fees, and how to make credit card bill payments. To make a payment online or manage your account, follow the link provided below on this page to the Sportsman’s Guide credit card login. You will also find useful “pay my bill” information such as the credit card customer service number, payment mailing address, and billing phone number below.
The Sportsman’s Guide
Sportsman’s Guide Credit Card Payment
The Sportsman’s Guide credit card is issued by Comenity Bank.
You can pay for your credit card bills in a number of different ways. You can go to your bank and make a transfer from a valid account, or use one of the many MoneyGram or Western Union branch locations. If you live close to one of the few Sportman’s Guide stores then you can pay for your credit card bill there. Telephone and mail bill payment information can be found on your billing statement.
Pay Online: This credit card is issued by Comenity, and they provide an online account service so you can manage your credit card from one location. Make bill payments, see your billing statements and balance, and update your personal information. You can pay for your bills either by making single payments, or automatic payments so you don’t have to worry about missing your bill each month. To make your Sportsman’s Guide credit card payment online click the “Pay Online” button below to login or register.
Pay by Phone: The Sportsman’s Guide credit card payment phone number is 1-888-252-5557.
Pay by Mail: The Sportsman’s Guide credit card mailing address is: The Sportsman’s Guide, P.O. Box 659569, San Antonio, TX, 78265. To ensure your Sportsman’s Guide payment is received on time it is recommended that you mail your payment at least 5 business days prior to the due date shown on your monthly billing statement.
Pay in Store: No. At this time you cannot pay your Sportsman’s Guide credit card in stores.
The Sportsman’s Guide Credit Card Customer Service: The Sportsman’s Guide credit card customer service number is 1-888-252-5557. Further help details can be found here.
This Sportsman’s Guide Visa Credit Card offers a wealth of discounts and rewards, including a reward scheme, and discounts on all purchases, for all members of the Sportsman’s Guide Buyers Club. This amounts to an either 12.5% or 7.5% on all purchase you make, which essentially makes it a simple version of an in-house rewards scheme. What’s more, you get a point per dollar for everywhere else that Visa is accepted, and once you reach 1000 points, you get a $10 rewards certificate. You also get 1000 bonus points when you first use your card anywhere outside of The Sportsman’s Guide, and a $5 coupon when you receive the card. All in all, if you are an outdoor enthusiast this card gives you a line of credit and enough rewards to make it worth your while, and you can also secure an APR as low as 16.99%.
Interest Rates and Terms and Conditions
The APR on purchases and balance transfers will depend on your creditworthiness (16.99%, 21.99% or 24.99%), and if you fail to make minimum payments, there is a penalty APR of 24.99%. The minimum interest charge on balances is $1. There is no annual fee, returned payment fees are up to $29 and late payment fees are up to $35. For full terms and conditions information, visit the company’s website.
A 2017 list of Comenity Bank credit cards: which ones are worth getting?
Comenity credit cards don’t get much press in the points-n-miles world since most them are cobranded offerings with small retailers. I thought it would be interesting to take a more comprehensive look at their offerings to see all that they have to offer in one fell swoop.
A couple of notes before we begin. First, note that Comenity Bank credit cards can sometimes be obtained via the shopping cart trick, which is a way to get a credit card without a hard pull. Second, while Comenity Bank issues a lot of credit cards, I’m only going to focus on the Visa / MasterCard offerings (i.e. ones which aren’t just store cards), since those are the ones which offer the most opportunities for lots of sweet, sweet credit card rewards.
I’m using this list on MyFico as my starting point. It’s over a year old, so it’s a little outdated, so I’ll add in a few others I’m aware of. If I leave any out, or if I’ve missed any benefits of any of these cards, please let me know in the comments. Let’s start with the two Comenity credit cards I have:
- If you can find a gas station willing to sell you gift cards, the Marathon Visa is potentially one of the most lucrative credit cards out there. I explained here why falling gas prices and Comenity’s odd rewards scheme mean rising rewards for cardholders. Currently, the rewards are around 10%, but only if you’re able to spend $1,000 in a month at Marathon, and most Marathon stores either don’t have gift cards or else won’t sell them to you with a credit card.
- I have the Fuel Rewards MasterCard as well, but I haven’t found it to be particularly valuable. The rewards aren’t great and you don’t get much in the way of good offers once you’re a cardmember. You can skip this one and focus on cards with better gas rewards.
As for the others:
- I recently wrote here about the Saturday Night Live MasterCard (edit: the card was eventually cancelled). The intriguing hook on this card is 4X the points on entertainment purchases on Saturdays. Entertainment includes gambling / casinos, and I don’t know of any other product that pays out that kind of bonus on that category. Unfortunately I can’t tell how much the points are worth from Comenity’s website, and I’m hours from any casino anyway. The right person with the right idea (and with a great deal of self-control and no proclivity to gambling addictions) might be able to do pretty well racking up credit card rewards, though.
- A commenter on this post identified the Sportsman’s Guide Visa as a card worth looking into:
The Sportsmans Guide Visa issued by Comenity bank often has 4x or 5x promos.I can remember at least 3 in the last year and a half. I think one in November was unlimited. Their store has a far wider variety of products than Banana. I wonder if their Gander Mountain card has similiar promos.It is a good second card for those building credit, before moving on to premium cards
- Like the SNL card, the Virgin America Visa is a new addition to Comenity Bank’s portfolio. Unfortunately–and unlike most major domestic airline cards–this card does not have a great sign-up bonus. I don’t see much use for it unless you’re a regular VA flyer. If you’re still curious, TPG has a good rundown here.
- Ann Taylor MasterCard / Love Loft MasterCard: 5 points per dollar spent at the eponymous clothing store family, plus a $15 gift certificate annually on your birthday. Only one point everywhere else, however. Pass.
- Gander Mountain MasterCard: I had never heard of Gander Mountain before learning of this card’s existence; turns out it’s an outdoors store. You can get three points per dollar on all purchases there plus an additional two per dollar if you spend more than $10,000 per year on the card. I went to a Gander Mountain store to see if they had a gift card rack, but I did not see one. Out of curiosity, I recently got this credit card, see my review here for details.
- Total Rewards Visa: This is the Caesars casino co-branded card. I wrote about it here, and it seems to have some potential if you’re into that sort of thing. Scott at Travel Codex has a good rundown of the Caesars loyalty program.
- MyPoints Visa: I’m not familiar with the MyPoints site, which is apparently some sort of deal site / portal where you get rewards for buying stuff. You get one extra point for every dollar spent through MyPoints. Their website advertises 1 pt / $ on Amex gift cards, and it looks like points are worth two thirds of a cent as best as I can tell. Is 1.4% back on Amex GCs worth it? I never mess with those things so I have no idea.
- Univision Visa: Here is my review of this card. Long story short, it’s not that great.
- Farmers Insurance Visa: I recently reviewed this card as well. One interesting thing about it is that you can get 3X rewards on your insurance payments, although of course you are limited to getting this rewards on Farmers Insurance products. It’s also got a 3X bonus on home improvement, which is not something that a lot of cards have. But unless you’ll be spending a lot of money in those areas, this card probably isn’t worth it.
- Orbitz Visa: This card can be useful if you use Orbitz a lot. The card lets you earn 10% back on hotel bookings if you use the Orbitz app (8% if you don’t). The card also gives you gold status in the Orbitz program, which may be good for a few benefits, and also gets you a little closer to Platinum status, which gets you a few more benefits. And Gold Status is also helpful for Best Rate Guarantee claims as well.
- Victoria’s Secret card: This one may be worthwhile if you’re a big shopper at Victoria’s Secret; it’s also rumored to be an easy one to get via the shopping cart trick. Read my review here.
That’s all the Comenity credit cards I see worth discussing. Your thoughts?
the sportsman guide visa
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