The Academy Sports + Outdoors Credit Card’s minimum payment is either $29 or 5% of your balance plus any past due amount, whichever is greater. You can find your card’s exact minimum payment on your monthly statement. By paying the monthly minimum, you can keep your account in good standing, but you’ll still have to pay interest for the balance you carry. On the other hand, if you pay your bills in full each month, you won’t be charged interest.