Features

Who is Comenity Bank's Gander Mountain Credit Card Designed For?

The Gander Mountain credit card is a good choice for outdoor enthusiasts who shop regularly at Gander Mountain or Overtons.com and don't have the credit to qualify for a major rewards credit card. It is particularly attractive for those who spend a lot on gas and groceries and don't mind getting their rewards in Gander Mountain cash certificates.

What are the Interest Rates?

The interest rates on Gander Mountain's credit card are what you would expect from a store credit card: not great. They range from 16.99% to 24.99% APR on purchases, depending on your creditworthiness. If your credit is good, the interest rate is acceptable. Although if you have good credit, you should probably apply for a better credit card.

The interest rate on balance transfers and cash advances is high: 24.99%. This is certainly not the card to use for cash withdrawals and balance transfers.

What Are the Fees?

Gander Mountain's credit card doesn't have an annual fee, which is what you would expect from a store card. It does have a $10 or 3% (whatever is greater) balance transfer and cash advance fee, and a $35 late payment and returned payment fee. There is also a 3% foreign transaction fee to remember.

Bottom line, don't use it outside of the United States and never keep a balance or use it on an ATM.

What Is the Rewards Program Like?

Gander Mountain has a stacked rewards program that offer 3 points for every dollar spent on Gander Mountain and Overtons.com, 2 points for every dollar spent on gas and groceries, and 1 point for every dollar spent on all other purchases.

The double reward rate on gas and groceries only applies to the first $500 every month. After that, the rate drops to 1 point per dollar. Spend $500 a month on gas and groceries and get back $120 a year.

The only way to redeem your points is as cash certificates, which can only be spent at Gander Mountain stores. Every point is worth a cent, so 20,000 points can be redeemed for a $20 cash certificate.

What about the Signup Bonus?

Gander Mountain's credit card comes with a $60 signup bonus when cardholders spend $500 and make at least one purchase at a location other than a Gander Mountain store.

How Is Comenity Bank - Gander Mountain MasterCard Better Than Other Credit Cards?

The signup bonus and rewards program are excellent for a store credit card. The interest rates are on the high side, particularly for balance transfers and cash advances; but it doesn't have an annual fee. As long as you avoid keeping a balance and don't use it for cash advances, this card can provide significant discounts on your Gander Mountain and Overton's purchases.

  • Customer Type
    Personal
  • Card Type
    Balance Transfer Rewards
  • Card Network
    Mastercard
  • Target Credit Score
    Good (700-749) Excellent (750-850)
  • Minimum Age
    18
  • Co-signing Allowed
  • Late Payment Penalty
    $35
  • Minimum Interest Charge
    $1
  • Returned Payment Fee
    $35
  • Car Rental Insurance
  • Emergency Support
  • Extended Warranty
  • Flight Insurance
  • Fraud Liability
  • Lost Luggage Insurance
  • Travel Insurance
  • Air Miles
  • Cashback
  • Points
  • Balance Computation
    Daily balance
  • Credit Limit
    Based on customer qualifications
  • Introductory Rate
    None
  • Standard Rate
    16.99% - 24.99% var. APR
  • Introductory Rate
    None
  • Standard Rate
    24.99% var. APR
  • Transfer Fee
    3% w/$10 min.
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  • Points
  • No Annual Fee
  • No Foreign Transaction Fee
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  • Points
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  • Cashback
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Reviews

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0 votes

I got this credit card in December of last year primarily for my business travel. I travel often and there is usually a rolling balance from when I arrange all my travel, to when I take the trip and when I receive my expenses back from my company. What I have found is that their policy is that it can take up to 15 business days for a payment that you make (either through their website or through an ACH transfer direct from your bank) to be processed ... and show as available credit for use. There are some times when I'm scheduled for 2-3 trips at a time and am making payments essentially weekly as I receive my expenses back but with this amount of activity, 15 days for the payment to post is unworkable for me. I was hoping that this was because I'm a relatively new customer but the customer service manager informed me that this is standard practice for me. That being said, they do have a great customer service department, everyone is very friendly and in order to temporarily fix this for me, they provided me with a temporary credit limit increase until the payments begin to post. I guess I will have to use my Chase or Capital One cards for my travel and give up on getting massive amounts of store credit at Gander Mountain due to my travel. BOO More Less


0 votes

Read the fine print and the big print before you get yourself one of these cards. The interest rate is really high--nearly 25%, so beware! I found out not because I didn't pay it off in time (or try to), but because they taking forever to post your payment. As a result, I got a late charge and was hit with this horrible interest rate. I paid it off and cut it up.


0 votes

This card is definitely good if you like outdoor sports, because you do get some perks as a Gander MTN customer. There are other things about the card that aren't so great, however, including the interest rate which is supposed to be as low as 16.99 percent but it was the top amount for me, even though my credit isn't all that bad.


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