DICK'S Sporting Goods Credit Card

BreadFinance Pending

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17

Benefits

2

Reward Categories

2x

Max Reward

30%

APR From
Basic Information
PENDING

Program ID: dicks-sporting-goods-credit-card

Issuer: BreadFinance

Card Name: DICK'S Sporting Goods Credit Card

Card Type: Credit

Network:

Card Tier:

Approved: Pending

Data Complete: Complete

Created: Jan 10, 2026 09:39

Last Scraped: Feb 02, 2026 17:22

Apply URL: Visit

Home URL: Visit

SCRA Benefits (Military Members)

Servicemembers Civil Relief Act (SCRA) benefits are available. For questions, contact 1-800-227-1261 or visit comenity.net/scra.

Rewards Program (Detailed) 2 Categories
PENDING
Category Rate Type Description Annual Cap Status
DICK'S Sporting Goods & Affiliates 2x Points Purchases at DICK'S Sporting Goods, Golf Galaxy, and Field & Stream stores and online. No Cap
All Other Purchases 0.3333x Points Purchases made everywhere else Visa credit cards are accepted. No Cap
Rewards Summary
PENDING

Reward Type: Points

Base Rate: 1x

Bonus Rate: 2x

Categories: 2x at Dick's Sporting Goods, Golf Galaxy, and Field & Stream

Quarterly Rotating: No

Expiration Policy: Points expire 12 months from the date they are earned.

Point Value: 0.03¢

Travel Portal Multiplier: 1x

Redemption Penalties: Minimum 300 points required for a $10 reward certificate. Reward certificates expire 60 days from issuance.

Benefits & Protections (Detailed) 17 Total
PENDING
Emergency Services 2
Roadside Dispatch
Pay-per-use service

A pay-per-use roadside assistance program. Cardholders can call 1-800-847-2869 for services like standard towing, tire changing, jump starting, lockout service, fuel delivery, and winching. Fees apply per service call.

Travel and Emergency Assistance Services
Referral and assistance services

Provides a range of emergency services when traveling, including medical and legal referrals, emergency transportation assistance, and pre-trip assistance. Cardholders are responsible for the cost of any services received.

Financial 1
No Annual Fee
No annual fee

There is no annual fee associated with this credit card.

Financing 1
Special Financing Offers
Varies by offer

Cardmembers may be eligible for special financing offers on qualifying purchases.

Lifestyle 1
Concierge Services
Personalized assistance

Provides personalized assistance for various needs, such as dinner reservations, event tickets, travel arrangements, and gift suggestions.

Purchase Protection 3
Extended Warranty Protection
Up to 1 additional year

Doubles the original manufacturer's warranty up to one additional year on eligible items purchased with the card. Applies to warranties of three years or less.

Purchase Security
90 days from purchase

Protects eligible new purchases made with the card against theft or damage for the first 90 days from the date of purchase. Coverage is secondary to other applicable insurance.

Price Protection
90 days from purchase

If an eligible item purchased with the card is advertised for a lower price within 90 days of purchase, cardholders may be reimbursed for the price difference. Coverage is secondary to other applicable insurance.

Rewards 3
5% Back in Rewards on DICK'S Family of Brands Purchases
5% back in Rewards

Cardmembers earn 5% back in Rewards on purchases made at DICK'S Sporting Goods, Golf Galaxy, Field & Stream, and Public Lands stores and online.

1 Point per $1 Spent on Other Purchases
1 point per $1 spent

Cardmembers earn 1 point for every $1 spent on purchases made everywhere else Visa is accepted.

Reward Redemption
$10 Reward for 300 points

Cardmembers can redeem 300 points for a $10 Reward certificate.

Security 4
Lost/Stolen Card Reporting
Assistance service

Assistance with reporting a lost or stolen card and notifying relevant parties.

Emergency Card Replacement
Assistance service

Assistance with getting an emergency card replacement if your card is lost or stolen.

Emergency Cash Disbursement
Assistance service

Assistance with getting emergency cash if your card is lost or stolen.

Zero Liability
Full protection

Protects cardholders from unauthorized purchases made with their card or account information. Cardholders are not responsible for unauthorized transactions.

Shopping 1
Exclusive Cardmember Offers
Varies by offer

Cardmembers receive exclusive offers and promotions.

Travel Insurance 1
Auto Rental Collision Damage Waiver
Coverage for collision or theft

Provides coverage for damage due to collision or theft for most rental cars when the eligible Visa card is used to initiate and pay for the entire rental transaction, and the cardholder declines the rental company's collision damage waiver (CDW) or similar option. Coverage is secondary to other applicable insurance.

Benefits Summary (Flags)
PENDING

Extended Warranty

Purchase Protection

Cell Phone Protection

Travel Insurance

Primary Rental Protection

Airport Lounge Access

Trip Delay Coverage

Lost Luggage Coverage

Price Protection

Concierge Service

No Foreign Fees

ShopRunner

Sign-Up Bonus
No Sign-Up Bonus Available

Click "Get Data" button below to fetch sign-up bonus information.

Fee Structure
PENDING
Annual Fee: $0.00
Year 1 Waived: No
Effective Annual Fee: $0.00
Min Interest Charge: $2.00
Additional Fees
PENDING
Late Fee: $41.00
Returned Payment: $41.00
Balance Transfer: Either $10 or 5% of the amount of each balance 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 & APR
PENDING
Standard APR

Purchase APR: 29.99% - 29.99%

Balance Transfer APR: 29.99%

Cash Advance APR: 29.99%

Intro APR Offers

Promo Financing: Deferred Interest

Promo Duration: 12 months

⚠️ Interest will be charged to your account from the purchase date if the purchase balance is not paid in full within 6 or 12 months or if you make a late payment.
Approval Criteria & Requirements
PENDING
Credit Score Requirements
580 - 739
Good
Hard Pull Only
Application Process
Not Available
Not Available
Experian, Equifax, TransUnion
Issuer Rules & Policies
PENDING

Rules: For 2026, the DICK'S Sporting Goods Credit Card, issued by BreadFinance, is projected to offer a bonus structure typically involving an initial discount (e.g., 10-15% off the first purchase made within 30 days of account opening) or a statement credit after meeting a specific spend threshold (e.g., $50 back after spending $500 in the first 90 days). Ongoing rewards are expected to be 5% back in rewards at DICK'S Sporting Goods, Golf Galaxy, and Field & Stream, with 1% back on all other purchases (if co-branded). Eligibility Requirements for 2026 are anticipated to include: 1. Applicant must be at least 18 years of age (19 in Alabama and Nebraska, 21 in Puerto Rico). 2. Must have a valid U.S. Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN). 3. Must have a valid U.S. mailing address (P.O. boxes may not be accepted). 4. Must possess a satisfactory credit history, though store cards from BreadFinance are often accessible to a broader range of credit scores compared to premium general-purpose cards. 5. Must not have a history of recent bankruptcies or severe delinquencies. 6. Approval is subject to BreadFinance's internal underwriting criteria, including total credit exposure with the issuer.

Max Cards Per Issuer: 7

Min Spend Interval: 3 months

Shutdown Risk Triggers: Manufactured spending (less common for store cards but still a risk), excessive returns/refunds, high cumulative credit limit across multiple BreadFinance accounts, consistent late payments or delinquencies, suspicious account activity, or abuse of promotional offers and rewards programs.

Cliff Effect Rules: While there are no specific 'card family' cliff rules for the DICK'S Sporting Goods card itself, BreadFinance (the issuer) maintains an internal limit on the total credit extended to any single customer across all their store-branded credit cards. Reaching this internal credit limit can result in denials for new applications or, in rare cases, a reduction in credit limits or account closure on existing cards, even if individual accounts are in good standing.

Special Events: Exclusive cardholder-only sales events, double or triple rewards points days on specific categories or brands, special financing offers (e.g., 0% APR for 6-12 months on qualifying purchases), and early access to new product launches or clearance sales.

Holiday Promos: Black Friday, Cyber Monday, Christmas/Holiday Season (November-December), Back-to-School (July-August), Memorial Day, Labor Day, and other major retail holidays.

International Friendly: No

User Analytics & Insights
PENDING
User Ratings

Average Rating: 2.8 / 5.0

Top Positive:
Great for loyal DICK'S shoppers, good discounts and financing options, easy to get approved.

Top Negative:
High APR, limited rewards outside the store, customer service can be slow, not ideal for general spending.

Approval Experience: 75.0 / 100

Recommended Alternatives
  • Capital One SavorOne Rewards Credit Card
  • Amazon Prime Rewards Visa Signature Card
  • Target RedCard

Card Value Score: 68.0 / 100

Est. Annual Rewards: $110.00

Approval Probability: 80.0%

Version Control
PENDING

Version ID: v1.0