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The Academy credit card has a variable APR that is based on the creditworthiness of the applicant. This is an area where store cards can get tricky. This card is issued by U.S. Bank and can have a rate that falls somewhere between 11.24% and 23.24%. The problem with this is there is really no clear way to tell what APR you will be given. The rates are provided at the discretion of the bank so even if you have good credit you may still end up with an APR on the higher side. It is all determined on a case by case basis and they may take more factors into consideration than just your credit score such as your income and living situation. The annual fee is based on creditworthiness as well. The fee can range from nothing to $29 a year. There is also a late payment fee of up to $38, and a returned payment fee of $35. If you are charged interest it will be a minimum of $2. However, there is a grace period of 24-30 days after the close of each billing cycle. So if you pay your bill in full each month you can avoid interest.