DICK'S Sporting Goods ScoreRewards Credit Card
Basic Information
Program ID: dicks-sporting-goods-scorerewards-credit-card
Issuer: Synchrony
Card Type: Credit
Network: Visa
Card Tier: Standard
Data Complete: Yes
Created: 01/10/2026 08:47
Last Scraped: 01/15/2026 09:11
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: | N/A |
| 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%
Intro APR Duration: 0 months
Balance Transfer APR: 0.00%
Intro BT APR: 0.00%
Intro BT Duration: 0 months
Cash Advance APR: 2,999.00%
Sign-Up Bonus
Bonus Amount: $5,000.00
Spending Requirement: $500.00
Time Period: 90 days
Bonus Timing: ScoreRewards points are typically awarded within 1-2 billing cycles after the spending requirement is met.
Rewards Program
Reward Type: Points
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 12 months after they are earned.
Transfer Partners: N/A
Card Benefits
Protection Benefits
- Extended Warranty
- Purchase Protection
- Cell Phone Protection
- Price Protection
Travel Benefits
- Travel Insurance
- Primary Rental Protection
- Trip Delay Coverage
- Lost Luggage Coverage
- No Foreign Transaction Fees
Premium Benefits
- Airport Lounge Access
- Concierge Service
- Global Entry Credit: $0.00
- TSA PreCheck Credit: $0.00
Approval Criteria
Recommended FICO Range: 670 - 740
Approval Odds Category: Good
Pre-qualification Available
Soft Pull Supported
Hard Pull Bureau: Experian, TransUnion, or Equifax
Issuer Rules
Rules: Application Eligibility (2026): Applicants must be 18 years or older (19 in AL/NE), a U.S. resident with a valid Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN), and meet Synchrony Bank's creditworthiness criteria, including income and credit history review. Bonus/Rewards Structure (2026): The card is expected to continue offering ScoreRewards points on purchases at Dick's Sporting Goods, Golf Galaxy, and Field & Stream stores, as well as online. Typically, this is 5% back in rewards (5 points per $1 spent) for ScoreRewards members, with a base of 1 point per $1 for non-members. Points convert to reward certificates. There is generally no traditional sign-up bonus; the primary benefit is ongoing rewards and exclusive cardholder offers.
Maximum Cards Per Issuer: 7
Minimum Spend Interval: Ongoing rewards, no specific bonus spend interval for sign-up bonus.
Shutdown Risk Triggers: Manufactured spending (if applicable to specific promotions), high cumulative credit limit across Synchrony accounts, prolonged inactivity, missed payments, suspected fraud, abuse of return policies or promotional offers, significant changes in credit profile.
International Friendly
User Analytics & Insights
User Ratings
Average Rating: 3.5 / 5.0
Top Positive Feedback:
High rewards (5% back) for frequent Dick's Sporting Goods shoppers, occasional sign-up bonuses, and special financing offers. Relatively easy approval for fair credit.
Top Negative Feedback:
High APR, frequent complaints about Synchrony Bank's customer service, rewards are often limited to store credit/certificates, and deferred interest can be problematic.
Approval Experience Score: 70.0 / 100
Recommended Alternatives
- Target RedCard
- Citi Custom Cash Card
- REI Co-op Mastercard
Card Value Score: 80.0 / 100
Est. Annual Rewards: $260.00
User Portfolio Metrics
Avg Portfolio Size: 3 cards
Avg Portfolio Age: 48 months
Store vs Co-brand: 40% Store / 60% General
Risk Assessment
Default Risk Group: Medium
Predicted Approval Probability: 75.0%
Terms Version Control
Version ID: v1.0
Last Updated: 10/27/2023 00:00