Rewards · Visa · No annual fee
Last verified 2026-09-09. Review issuer source
Comenity Sportsman's Warehouse Explorewards Visa is a no-annual-fee points card from Comenity. Its best everyday rates are 2x on campgrounds, 2x on gas stations, and 2x on home improvement; everything else earns 1x. There is also 5x on Sportsman's Warehouse, a single-merchant rate. Rewards are Sportsman's points that only spend inside that program, so we value them at roughly a third of a cent each.
On our reference budget of $24,600 a year it returns about $90, an effective 0.4% back.
It is a stepping-stone card. Keep the balance low and revisit once your score reaches the good range, where no-fee cards with better rates open up. It charges 3% on foreign purchases, so leave it home when you travel abroad.
2 point per $1 spent on campgrounds
2 point per $1 spent on gas
2 point per $1 spent on home improvement retailers
5 points per $1 spent at Sportsman’s Warehouse and Sportsmans.com
No welcome bonus is stored for this catalog entry yet.
Comenity adds nothing beyond the Visa Traditional benefits below.
These come from Visa, not from Comenity. Every card on the Visa Traditional tier carries them, so they should not decide between two cards.
Get free access to Dovly Uplift. Dovly helps you raise your credit score and get more for your money. While Dovly's platform is designed to remove inaccuracies from your credit report, every case is different, and not everyone will achieve the same results.
Eligible Visa cardholders can enjoy special events access to the hottest dining events on OpenTable. Restrictions apply.
This is a pay-per-use roadside assistance program available 24x7. Roadside Dispatch will ask for your location, find out what the problem is, and will remain on the phone with you while arranging a dispatch to a reliable tow operator or locksmith. You pay a set price per service call.
Enjoy a free ticket per show with the purchase of one or more tickets, plus you can access 7-day Visa Exclusive Presale opportunities.
Benefit descriptions are the issuer’s and network’s own wording, trimmed for length. Limits and exclusions are in the guide to benefits.
| Card | Annual fee | Rewards earned | Net after fee | Rank |
|---|---|---|---|---|
| Sportsman's Warehouse Explorewards Visa®This card · 2x on campgrounds | None | $90 | +$90 | 1010th of 1,291 |
| AAA Travel Advantage Visa Signature®Comenity's most-held other card · 5% on gas stations | None | $594 | +$594 | 12th of 1,291 |
| Savor RewardsThe strongest no-fee card on this budget · 3% on dining | None | $642 | +$642 | 4th of 1,291 |
| Robinhood Gold CardHighest net return on this budget · 3% on everything | $50 | $798 | +$748 | 1st of 1,291 |
Reference budget: groceries $6,000, dining and restaurants $3,600, gas and ev charging $2,400, travel and transit $3,000, online shopping $2,400, entertainment and streaming $1,200, everything else $6,000. Points are valued at 1¢ unless the program is worth less; statement credits, welcome bonuses, and perks are left out. Run it with your own spending.
