DICK'S Sporting Goods ScoreRewards Credit Card

Synchrony Pending

Back Apply Now

11

Benefits

2

Reward Categories

3x

Max Reward

21.2%

APR From
Basic Information
PENDING

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

Issuer: Synchrony

Card Name: DICK'S Sporting Goods ScoreRewards Credit Card

Card Type: Credit

Network:

Card Tier:

Approved: Pending

Data Complete: Complete

Created: Jan 10, 2026 08:47

Last Scraped: Feb 07, 2026 05:21

Apply URL: Visit

Home URL: Visit

Rewards Program (Detailed) 2 Categories
PENDING
Category Rate Type Description Annual Cap Status
DICK'S Sporting Goods Purchases 3x Points Purchases made at DICK'S Sporting Goods, Golf Galaxy, and Field & Stream stores and online. No Cap
All Other Purchases 1x Points Purchases made everywhere else Visa is accepted. No Cap
Rewards Summary
PENDING

Reward Type: Points

Base Rate: 1x

Bonus Rate: 3x

Categories: DICK'S Sporting Goods, Golf Galaxy, Field & Stream

Quarterly Rotating: No

Expiration Policy: Points expire 24 months from the date they are earned.

Point Value: 0.03¢

Travel Portal Multiplier: 1x

Redemption Penalties: ScoreRewards Certificates have expiration dates and may have minimum redemption requirements.

Benefits & Protections (Detailed) 11 Total
PENDING
Financial 1
No Annual Fee
$0

There is no annual fee for this credit card.

Security 2
Mastercard ID Theft Protection™

Provides identity theft monitoring, alerts, and resolution services. Enrollment required at mastercardus.idtheftprotect.com.

Zero Liability Protection

You are not responsible for unauthorized transactions made with your Mastercard.

Shopping / Rewards 2
Earn 1X Point on All Other Qualifying Purchases
1X point per $1

Earn 1 point for every $1 spent on qualifying purchases made everywhere else Mastercard is accepted.

Points Redemption for ScoreCard Rewards
$10 per 300 points

Redeem 300 points for a $10 ScoreCard Reward. Rewards are issued in $10 increments.

Shopping / Rewards / Status Benefits 1
Earn 3X Points on Qualifying Purchases at DICK'S Family of Stores (Gold Status Benefit)
3X points per $1

As a ScoreCard Gold Status member (automatic for cardholders), earn 3 points for every $1 spent on qualifying purchases made at DICK'S Sporting Goods, Golf Galaxy, Field & Stream, and Public Lands.

Shopping / Welcome Offer 1
Welcome Offer - 10% Back in Rewards on First Purchase
10% back

Get 10% back in rewards on your first purchase when you open and use your ScoreRewards Credit Card.

Status Benefits 1
Automatic ScoreCard Gold Status

ScoreCard Gold Status is automatically granted to ScoreRewards Credit Cardholders.

Status Benefits / Lifestyle 2
Exclusive Offers and Events (Gold Status Benefit)

ScoreCard Gold Status members receive access to exclusive offers and events.

Birthday Reward (Gold Status Benefit)

ScoreCard Gold Status members receive a special birthday reward.

Travel Insurance / Security 1
Mastercard Global Service™

Provides emergency assistance services anytime, anywhere, including lost/stolen card reporting, emergency card replacement, and emergency cash advance.

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
PENDING

$20

Cash Back
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
Foreign Transaction: 0.00%
Interest Rates & APR
PENDING
Standard APR

Purchase APR: 21.24% - 31.24%

Cash Advance APR: 31.24%

Intro APR Offers

Promo Financing: Deferred Interest

Promo Duration: 6 months

⚠️ Interest will be charged to your account from the purchase date if the promotional purchase is not paid in full within 6, 12, or 24 months (as applicable). Minimum monthly payments required. See card agreement for details.
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: Application Eligibility: Applicants must be 18 years or older, a U.S. resident, possess a valid Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN), and meet Synchrony's creditworthiness criteria (typically fair to good credit for store cards). Existing ScoreRewards membership is often a prerequisite or automatically established upon approval. Bonus Rules: The card typically offers enhanced ScoreRewards points (e.g., 2-3 points per $1 spent) on purchases made at Dick's Sporting Goods, Golf Galaxy, and Field & Stream. Initial sign-up bonuses may include a one-time discount (e.g., $20-$50 off a first purchase or after meeting a small spend threshold within a specified period). Points are redeemable for discounts at participating stores.

Max Cards Per Issuer: 5

Min Spend Interval: N/A for ongoing bonuses; typically 30-90 days for initial sign-up offers.

Shutdown Risk Triggers: Manufactured spending (e.g., excessive gift card purchases), rapid accumulation of multiple Synchrony credit products, high cumulative credit limit across all Synchrony accounts relative to income, suspicious or fraudulent transaction patterns, abuse of promotional financing offers, and delinquency or default on any Synchrony account.

Cliff Effect Rules: Synchrony does not typically enforce 'cliff effect' rules regarding bonus eligibility across different store card products. However, overall credit exposure and the number of open accounts with Synchrony will significantly influence future approval decisions and credit limit management.

Special Events: Exclusive cardholder discounts on specific days or during promotional periods, early access to sales events, bonus points days (e.g., 5x points on certain categories or dates), and birthday rewards.

Holiday Promos: Black Friday / Cyber Monday (November-December), Christmas / Holiday Season (December), Back-to-School (July-August), Memorial Day (May), 4th of July (July), Labor Day (September), and various seasonal sales (Spring, Summer, Fall, Winter clearances).

International Friendly: No

User Analytics & Insights
PENDING
User Ratings

Average Rating: 3.2 / 5.0

Top Positive:
Excellent rewards (5% back) for frequent Dick's Sporting Goods shoppers, no annual fee, and relatively easy approval process for many applicants.

Top Negative:
High APR, frequent complaints about Synchrony Bank's customer service, rewards can be slow to post or expire, and limited value for spending outside of Dick's Sporting Goods.

Approval Experience: 65.0 / 100

Recommended Alternatives
  • Target RedCard
  • Amazon Prime Rewards Visa Signature Card
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Card Value Score: 60.0 / 100

Est. Annual Rewards: $260.00

Approval Probability: 75.0%

Version Control
PENDING

Version ID: v1.0