DICK'S Sporting Goods Mastercard® Credit Card
Basic Information
Program ID: dicks-sporting-goods-credit-card
Issuer: BreadFinance
Card Type: Credit
Network: Mastercard
Card Tier: Standard
Data Complete: Yes
Created: 01/10/2026 09:39
Last Scraped: 01/15/2026 10:10
Fee Structure
| Annual Fee: | $0.00 |
| Year 1 Waived: | No |
| Effective Annual Fee: | $0.00 |
| Authorized User Fee: | $0.00 |
| Penalty APR: | 2,999.00% |
Additional Fees
| Late Fee: | $40.00 |
| Returned Payment: | $40.00 |
| Balance Transfer: | Either $10 or 5% of the amount of each transfer, whichever is greater. |
| Cash Advance: | Either $10 or 5% of the amount of each cash advance, whichever is greater. |
| Foreign Transaction: | 0.00% |
Interest Rates
Purchase APR Range: 2,999.00% - 2,999.00%
Intro Purchase APR: 0.00%
Cash Advance APR: 2,999.00%
Sign-Up Bonus
Bonus Amount: $0.00
Spending Requirement: $0.00
Time Period: 0 days
Bonus Timing: The 15% discount is typically applied immediately at checkout for the first purchase made with the new card.
Rewards Program
Reward Type: Proprietary Points (Store Credit)
Base Reward Rate: 1.00%
Bonus Reward Rate: 5.00%
Bonus Categories: 5x at Dick's Sporting Goods, Golf Galaxy, and Field & Stream
Point Value Estimate: 0.0100 cents/point
Expiration Policy: Points expire after 12 months of inactivity or if not redeemed. Reward certificates also have expiration dates, typically 60 days.
Transfer Partners: N/A
Card Benefits
Protection Benefits
Travel Benefits
Premium Benefits
Approval Criteria
Recommended FICO Range: 670 - 750
Approval Odds Category: Good
Pre-qualification Available
Soft Pull Supported
Hard Pull Bureau: Experian, TransUnion, or Equifax
Issuer Rules
Rules: Application Eligibility: Applicants must be 18 years or older, possess a valid U.S. Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN), and have a U.S. mailing address. Approval is subject to creditworthiness, with BreadFinance (Comenity) typically considering fair to good credit profiles, though store cards can be more lenient. Applicants should not have a history of default on previous BreadFinance accounts. Bonus Rules: For 2026, typical offers include a percentage discount (e.g., 10-15%) on the first purchase made with the card. Ongoing rewards usually feature 5% back in rewards on Dick's Sporting Goods purchases and 1% back on purchases elsewhere, issued as store credit or certificates. Special financing offers on larger purchases at Dick's Sporting Goods are also common. Store-specific restrictions apply, meaning certain items (e.g., gift cards, licenses, services) may be excluded from earning rewards, and promotional offers may have minimum purchase requirements or specific product exclusions.
Maximum Cards Per Issuer: 8
Minimum Spend Interval: N/A for typical sign-up bonus; 3 months for spend-based promotions if applicable.
Shutdown Risk Triggers: Manufactured spending (though less common for store cards), high cumulative credit limit across multiple BreadFinance accounts relative to income, frequent late payments or defaulting on any BreadFinance account, suspicious or unusual spending patterns, abuse of promotional offers or return policies, opening an excessive number of BreadFinance accounts in a short period, and significant negative changes to credit profile (e.g., bankruptcy).
International Friendly
User Analytics & Insights
User Ratings
Average Rating: 3.1 / 5.0
Top Positive Feedback:
Offers good rewards and exclusive discounts for frequent DICK'S Sporting Goods shoppers, special financing options available, and generally easier approval for store credit.
Top Negative Feedback:
High annual percentage rate (APR), limited rewards outside of DICK'S Sporting Goods, frequent complaints about Comenity Bank's customer service, and often comes with low initial credit limits.
Approval Experience Score: 75.0 / 100
Recommended Alternatives
- Capital One Quicksilver Cash Rewards Credit Card
- Target RedCard (Debit or Credit)
- Citi Custom Cash Card
Card Value Score: 70.0 / 100
Est. Annual Rewards: $95.00
User Portfolio Metrics
Avg Portfolio Size: 4 cards
Avg Portfolio Age: 60 months
Store vs Co-brand: 25% General / 75% Store
Risk Assessment
Default Risk Group: Medium
Predicted Approval Probability: 78.0%
Terms Version Control
Version ID: 2024-03-01
Last Updated: 03/01/2024 00:00