ScoreRewards Mastercard®

Synchrony Mastercard Pending

Back Apply Now

11

Benefits

3

Reward Categories

5x

Max Reward

21.2%

APR From
Basic Information
PENDING

Program ID: dicks-sporting-goods-scorerewards-mastercard

Issuer: Synchrony

Card Name: ScoreRewards Mastercard®

Card Type: Credit

Network: Mastercard

Card Tier:

Approved: Pending

Data Complete: Complete

Created: Jan 10, 2026 09:15

Last Scraped: Feb 07, 2026 05:43

Apply URL: Visit

Home URL: Visit

SCRA Benefits (Military Members)

If you are a Servicemember and have questions about your account or your rights under the SCRA, please contact us at 1-866-893-7864.

Rewards Program (Detailed) 3 Categories
PENDING
Category Rate Type Description Annual Cap Status
DICK'S Sporting Goods & Affiliates 5x Points Purchases at DICK'S Sporting Goods, Golf Galaxy, and Field & Stream stores, and online at DICK'S Sporting Goods, Golf Galaxy, and Field & Stream websites. No Cap
Gas, Groceries, & Sporting Goods (Non-DICK'S) 2x Points Purchases at gas stations, grocery stores, and other sporting goods stores (excluding DICK'S Sporting Goods, Golf Galaxy, and Field & Stream). No Cap
All Other Purchases 1x Points All other eligible purchases everywhere Mastercard is accepted. No Cap
Rewards Summary
PENDING

Reward Type: Points

Base Rate: 1x

Bonus Rate: 2x

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

Quarterly Rotating: No

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

Point Value: 0.03¢

Redemption Penalties: ScoreCard Rewards expire 60 days from the date of issuance.

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

The ScoreRewards Mastercard has no annual fee.

Purchase Protection 2
Extended Warranty
Up to 1 additional year, up to $1,000 per claim

Doubles the original manufacturer's or store brand warranty for up to one additional year on eligible purchases. Coverage is limited to $1,000 per claim and $10,000 per account per year.

Purchase Assurance
90 days coverage, up to $1,000 per claim

Covers eligible new purchases against damage or theft for 90 days from the date of purchase. Coverage is limited to $1,000 per claim and $50,000 per account per year.

Security 2
Mastercard ID Theft Protection™
Comprehensive service

Provides identity theft monitoring, alerts, and resolution services. Includes monitoring of credit file, dark web, and more.

Mastercard Zero Liability Protection
Full protection

Protects cardholders from unauthorized purchases. You pay only for purchases you have authorized.

Shopping 5
Accelerated Rewards Earning (Store Purchases)
2 points per $1

Earn 2 ScoreRewards points for every $1 spent at DICK'S Sporting Goods, Golf Galaxy, and Field & Stream.

Standard Rewards Earning (Everywhere Else)
1 point per $1

Earn 1 ScoreRewards point for every $1 spent on all other purchases where Mastercard is accepted.

ScoreRewards Redemption
$20 reward for 300 points

Receive a $20 ScoreRewards bonus reward for every 300 points earned. Rewards can be redeemed at DICK'S Sporting Goods, Golf Galaxy, and Field & Stream.

First Purchase Bonus Reward
10% back, up to $50

Get 10% back in ScoreRewards on your first in-store or online purchase at DICK'S Sporting Goods, Golf Galaxy, or Field & Stream when you open and use your ScoreRewards Mastercard. Maximum bonus reward is $50.

Special Financing Offers
Varies by offer

Access to special financing offers on qualifying purchases from time to time. Specific terms and conditions apply to each offer.

Travel Insurance 1
Mastercard Global Service™
24/7 emergency assistance

Provides emergency assistance services 24 hours a day, 7 days a week, including lost and stolen card reporting, emergency card replacement, emergency cash advance, and ATM locator services.

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: 21.24% - 31.24%

Cash Advance APR: 31.24%

Intro APR Offers

Promo Financing: Deferred Interest

⚠️ No interest will be charged on the promotional purchase if you pay the promotional purchase amount in full within the promotional period. If you do not, interest will be charged on the promotional purchase from the purchase date. Minimum monthly payments are required.
Approval Criteria & Requirements
PENDING
Credit Score Requirements
670 - 739
Good
Hard Pull Only
Application Process
Not Available
Not Available
Experian, TransUnion, Equifax
Issuer Rules & Policies
PENDING

Rules: The Dick's Sporting Goods ScoreRewards Mastercard offers 10% back in ScoreRewards on purchases at Dick's Sporting Goods, Golf Galaxy, and Field & Stream. It also provides 2% back on gas, grocery, and dining purchases, and 1% back on all other eligible purchases. Rewards are issued as ScoreRewards certificates. New cardmember bonuses typically include a discount on a first purchase (e.g., $20-$50 off). Eligibility requires applicants to be at least 18 years old (19 in AL/NE), a U.S. resident, and possess a valid Social Security Number or ITIN. Approval is subject to creditworthiness, including a review of credit history and income, generally requiring fair to good credit.

Max Cards Per Issuer: 3

Min Spend Interval: 3 months

Shutdown Risk Triggers: Manufactured spending, high cumulative credit limit across Synchrony accounts, excessive credit seeking (multiple applications in a short period), missed payments or defaults on any Synchrony account, suspicious or fraudulent activity, and abuse of store return policies or rewards programs.

Cliff Effect Rules: Synchrony does not typically enforce 'cliff effect' rules where eligibility for one card's bonus is directly tied to having another specific card or bonus. However, having multiple Synchrony cards contributes to overall credit exposure, which can impact approval for new Synchrony credit products. The Dick's ScoreRewards Credit Card (store card) and the ScoreRewards Mastercard are distinct products; having one does not preclude the other, but approval for the Mastercard will consider the existing credit line from the store card.

Special Events: ScoreRewards Member Exclusive Events (e.g., bonus points days, early access to sales), Seasonal Promotions (e.g., Back-to-School, Spring/Summer sports gear, Winter apparel), and occasional Anniversary Bonuses for cardholders.

Holiday Promos: Black Friday / Cyber Monday (late November), Christmas / Holiday Season (November-December), Back-to-School (July-August), Memorial Day (late May), Labor Day (early September), and Father's Day / Mother's Day (May-June).

International Friendly: No

User Analytics & Insights
PENDING
User Ratings

Average Rating: 3.6 / 5.0

Top Positive:
Strong rewards (5% back) for frequent Dick's Sporting Goods shoppers, useful sign-up bonuses, and special financing offers. Can be a good option for building credit.

Top Negative:
Frequent complaints about Synchrony Bank's customer service, high APR, issues with account management and reward redemption, and reports of unexpected credit limit decreases or account closures.

Approval Experience: 65.0 / 100

Recommended Alternatives
  • Chase Freedom Unlimited
  • Citi Double Cash Card
  • REI Co-op Mastercard

Card Value Score: 60.0 / 100

Est. Annual Rewards: $135.00

Approval Probability: 75.0%

Version Control
PENDING

Version ID: v1.0