DICK'S Sporting Goods ScoreRewards Mastercard®

Synchrony Mastercard World Elite Pending

Back Apply Now

17

Benefits

2

Reward Categories

2x

Max Reward

21.2%

APR From
Basic Information
PENDING

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

Issuer: Synchrony

Card Name: DICK'S Sporting Goods ScoreRewards Mastercard®

Card Type: Credit

Network: Mastercard

Card Tier: World Elite

Approved: Pending

Data Complete: Complete

Created: Feb 16, 2026 18:18

Last Scraped: Feb 16, 2026 18:21

Apply URL: Visit

Home URL: Visit

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 outside of DICK'S Sporting Goods, Golf Galaxy, and Field & Stream. No Cap
Rewards Summary
PENDING

Reward Type: Points

Base Rate: 1x

Bonus Rate: 5x

Categories: 5x at DICK'S Sporting Goods, Golf Galaxy, and Field & Stream; 2x on gas, grocery, and sporting goods (excluding DICK'S family stores)

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 redemption of 300 points for a $10 reward certificate. Reward certificates typically expire 60 days from issuance.

Benefits & Protections (Detailed) 17 Total
PENDING
Financial 1
No Annual Fee
$0

The DICK'S Sporting Goods ScoreRewards Mastercard World Elite has no annual fee.

Lifestyle 2
Concierge Service
24/7 personalized assistance

Access to a dedicated personal assistant 24/7 to help with dinner reservations, travel arrangements, event tickets, and more.

Priceless Experiences
Exclusive access to events and offers

Access to unique experiences and offers in cities around the world, curated exclusively for Mastercard cardholders.

Purchase Protection 2
Purchase Assurance
Up to $1,000 per claim, $50,000 per cardholder per year

Reimburses for eligible items purchased with the card that are damaged or stolen within 90 days from the date of purchase.

Extended Warranty
Up to $10,000 per claim, $50,000 per cardholder per year

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

Security 2
Cell Phone Protection
Up to $1,000 per 12-month period, maximum $600 per claim, 2 claims per 12-month period

Provides coverage for damage to or theft of an eligible cell phone when the monthly cell phone bill is paid with the card. A $50 deductible applies per claim.

Mastercard ID Theft Protection
Comprehensive suite of services

Provides identity theft resolution services, including monitoring, alerts, and expert assistance to help restore identity.

Shopping 4
Earn Points at DICK'S Sporting Goods, Golf Galaxy, and Field & Stream
2X points per dollar

Earn 2X points on purchases made at DICK'S Sporting Goods, Golf Galaxy, and Field & Stream stores and online when using your ScoreRewards Mastercard.

Earn Points Everywhere Else Mastercard is Accepted
1X point per dollar

Earn 1X point on purchases everywhere else Mastercard is accepted.

ScoreRewards Rewards Redemption
$10 reward for every 300 points

Receive a $10 reward for every 300 points earned. Rewards can be redeemed at DICK'S Sporting Goods, Golf Galaxy, and Field & Stream.

Special Financing Offers
Varies by offer

Access to special financing offers on qualifying purchases at DICK'S Sporting Goods, Golf Galaxy, and Field & Stream.

Travel Insurance 6
Mastercard Global Service
24/7 global assistance

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

Travel & Lifestyle Services
Exclusive offers and upgrades

Access to a suite of travel benefits, upgrades, and savings on hotels, flights, car rentals, and experiences.

Trip Cancellation/Interruption Insurance
Up to $1,500 per person, $5,000 per trip

Reimburses non-refundable common carrier passenger fares if a trip is canceled or interrupted for covered reasons when booked with the card.

Baggage Delay Insurance
Up to $100 per day for 3 days

Reimburses for the purchase of essential items when checked baggage is delayed by a common carrier for 4 hours or more.

Travel Accident Insurance
Up to $250,000

Provides coverage for accidental death or dismemberment while traveling on a common carrier when the fare is purchased with the card.

Rental Car Collision Damage Waiver
Up to $50,000

Provides secondary coverage for physical damage and theft of most rental vehicles when the entire rental is paid for with the card and the rental company's CDW is declined.

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
Authorized User Fee: $0.00
Penalty APR: 29.99%
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% - 33.24%

Balance Transfer APR: 29.24%

Cash Advance APR: 33.24%

Intro APR Offers

Promo Financing: Deferred Interest

⚠️ 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. Minimum monthly payments required. The deferred interest APR is 29.24%.
Approval Criteria & Requirements
PENDING
Credit Score Requirements
670 - 850
Good
Supported
Application Process
Available
Not specified
Experian, Equifax, TransUnion
Issuer Rules & Policies
PENDING

Rules: The Dick's Sporting Goods ScoreRewards Mastercard World Elite, issued by Synchrony, typically offers an initial bonus, often a statement credit or a percentage discount on a future purchase, upon meeting a specified spending threshold within the first 3 months of account opening. Eligibility requirements for 2026 include: applicants must be at least 18 years of age (19 in AL and NE), a U.S. resident with a valid Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN), and possess good to excellent credit history (typically FICO scores 670+). Synchrony will assess income, debt-to-income ratio, and existing credit relationships. Approval is subject to Synchrony's internal underwriting criteria, which may include a review of recent credit inquiries and new accounts opened with any issuer. Store-specific restrictions apply to earning and redeeming ScoreRewards points, particularly for certain brands or services.

Max Cards Per Issuer: 5

Min Spend Interval: 3 months

Shutdown Risk Triggers: Manufactured spending, excessive credit seeking (multiple applications across Synchrony or other issuers in a short period), high cumulative credit limit across all Synchrony accounts, unusual spending patterns inconsistent with typical consumer behavior, frequent large returns (especially for a store card), missed payments or delinquency, and suspected fraud.

Cliff Effect Rules: Synchrony does not have a strict 'X/24' rule like some issuers, but they do monitor total credit exposure across all Synchrony-issued cards. Approvals for new cards or credit limit increases may become more difficult if an applicant already holds a high number of Synchrony accounts or has a very high cumulative credit limit, potentially leading to lower initial credit limits on new approvals or outright denials due to perceived overextension.

Special Events: Key promotional periods include: Spring/Summer Sales (March-July), Back-to-School (July-August), Fall/Winter Gear Launches (September-October), Black Friday/Cyber Monday (late November), Holiday Shopping Season (December), and Post-Holiday Clearances (January). ScoreRewards members often receive exclusive early access to sales, bonus points events, and personalized offers throughout the year.

Holiday Promos: Major holiday promotional periods for 2026 are expected to include: Memorial Day (late May), 4th of July (early July), Labor Day (early September), Black Friday/Cyber Monday (November 27th-30th), and the full December Holiday Shopping Season.

International Friendly: No

User Analytics & Insights
PENDING
User Ratings

Average Rating: 3.8 / 5.0

Top Positive:
Great for frequent Dick's shoppers, good rewards on store purchases, easy application process.

Top Negative:
High APR, rewards limited to store, customer service issues reported by some users.

Approval Experience: 72.0 / 100

Recommended Alternatives
  • Capital One SavorOne Cash Rewards Credit Card
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Card Value Score: 78.0 / 100

Est. Annual Rewards: $150.00

Approval Probability: 70.0%

Version Control
PENDING

Version ID: v1.0

Last Updated: Oct 26, 2023 00:00