ScoreRewards Mastercard
Basic Information
Program ID: dicks-sporting-goods-scorerewards-mastercard
Issuer: Synchrony
Card Type: Credit
Network: Mastercard
Card Tier: World
Data Complete: Yes
Created: 01/10/2026 09:15
Last Scraped: 01/15/2026 09:43
Fee Structure
| Annual Fee: | $0.00 |
| Year 1 Waived: | Yes |
| Effective Annual Fee: | $0.00 |
| Authorized User Fee: | $0.00 |
| Penalty APR: | 2,999.00% |
Additional Fees
| Late Fee: | $41.00 |
| Returned Payment: | $41.00 |
| 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: 2,124.00% - 2,924.00%
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: $1,500.00
Spending Requirement: $300.00
Time Period: 90 days
Bonus Timing: ScoreRewards points are typically posted to your ScoreRewards account within 1-2 billing cycles after meeting the spending requirement.
Rewards Program
Reward Type: Points
Base Reward Rate: 1.00%
Bonus Reward Rate: 5.00%
Bonus Categories: 5x DICK'S Sporting Goods, Golf Galaxy, Field & Stream; 2x Gas, Groceries, Dining
Point Value Estimate: 0.0100 cents/point
Expiration Policy: Points do not expire as long as ScoreCard account is active. ScoreCard Rewards (certificates) expire 365 days from issue date.
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
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: Bonus Rule: Earn 10% back in ScoreRewards on qualifying purchases at Dick's Sporting Goods, Golf Galaxy, and Field & Stream. Earn 2% back on gas, grocery, and dining purchases. Earn 1% back on all other purchases everywhere Mastercard is accepted. ScoreRewards are issued as certificates redeemable at Dick's family of stores. New cardmember bonuses (if offered for 2026) typically involve a statement credit or bonus points after a small spend within the first 90 days. Application Rules/Eligibility: Applicants must be at least 18 years of age (19 in AL and NE), a U.S. resident with a valid Social Security Number or ITIN, and meet Synchrony Bank's creditworthiness criteria. Approval is subject to credit approval.
Maximum Cards Per Issuer: 4
Minimum Spend Interval: N/A for ongoing rewards; typically 3 months for sign-up bonuses.
Shutdown Risk Triggers: Manufactured spending, high cumulative credit limit across Synchrony accounts, frequent applications for new Synchrony credit products, defaulting on any Synchrony account or other credit obligations, suspicious or fraudulent activity, abuse of return policies or rewards programs at Dick's Sporting Goods.
International Friendly
User Analytics & Insights
User Ratings
Average Rating: 3.2 / 5.0
Top Positive Feedback:
Excellent rewards for frequent shoppers at Dick's Sporting Goods and affiliated stores; easy to earn and redeem reward certificates for store purchases; offers special financing options.
Top Negative Feedback:
Frequent complaints about Synchrony Bank's customer service, high Annual Percentage Rate (APR), issues with online account management, and difficulties with reward certificate redemption or expiration.
Approval Experience Score: 70.0 / 100
Recommended Alternatives
- Amazon Prime Rewards Visa Signature
- Capital One Quicksilver
- Citi Custom Cash Card
Card Value Score: 75.0 / 100
Est. Annual Rewards: $230.00
User Portfolio Metrics
Avg Portfolio Size: 3 cards
Avg Portfolio Age: 36 months
Store vs Co-brand: 30% Store / 70% General
Risk Assessment
Default Risk Group: Medium
Predicted Approval Probability: 75.0%
Terms Version Control
Version ID: October 2023