ScoreRewards Visa Credit Card
Basic Information
Program ID: dicks-sporting-goods-scorerewards-visa-card
Issuer: Synchrony
Card Type: Credit
Network: Visa
Card Tier: Standard
Data Complete: Yes
Created: 01/09/2026 04:42
Last Scraped: 01/15/2026 09:52
Fee Structure
| Annual Fee: | $0.00 |
| Year 1 Waived: | No |
| Effective Annual Fee: | $0.00 |
| Authorized User Fee: | $0.00 |
| Penalty APR: | 0.00% |
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: 2,124.00% - 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: $0.00
Spending Requirement: $0.00
Time Period: 0 days
Bonus Timing: The welcome offer is 10% off your first purchase when you open and use your ScoreRewards Visa Card. This is a percentage discount, not a fixed points/cash amount, and no maximum discount is stated. The discount is applied instantly at the point of sale for that first purchase. There is no specific spending requirement amount or timeframe beyond making the first purchase.
Rewards Program
Reward Type: ScoreRewards Points
Base Reward Rate: 1.00%
Bonus Reward Rate: 5.00%
Bonus Categories: 5x points on purchases at DICK'S Sporting Goods, Golf Galaxy, and Field & Stream stores and online; 2x points on gas, grocery, and dining purchases; 1x point on all other purchases.
Point Value Estimate: 0.0100 cents/point
Expiration Policy: Points expire 24 months after they are earned if not redeemed. ScoreRewards Certificates issued from points also have an expiration date (typically 60 days).
Transfer Partners: N/A
Card Benefits
Protection Benefits
Travel Benefits
Premium Benefits
Approval Criteria
Recommended FICO Range: 670 - 780
Approval Odds Category: Good
Pre-qualification Available
Soft Pull Supported
Hard Pull Bureau: Experian, TransUnion, Equifax
Issuer Rules
Rules: Eligibility for the Dick's Sporting Goods ScoreRewards Visa Card in 2026 typically requires applicants to be at least 18 years of age (19 in Alabama and Nebraska), a U.S. resident with a valid Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN), and possess a good to excellent credit history. Applicants must also demonstrate sufficient income to support new credit. Synchrony may deny applications based on recent bankruptcies, excessive recent credit inquiries, or a high number of existing Synchrony accounts. The standard sign-up bonus for new cardholders is projected to be 'Earn $50 in ScoreRewards after spending $500 on eligible purchases within the first 90 days of account opening.' This bonus is typically awarded as points that can be redeemed for Dick's Sporting Goods merchandise.
Maximum Cards Per Issuer: 7
Minimum Spend Interval: 90 days
Shutdown Risk Triggers: Manufactured spending, excessive credit limit across Synchrony accounts, frequent large returns, late payments or defaults on Synchrony or other credit products, suspicious spending patterns, abuse of promotional offers, rapid application for multiple Synchrony cards, or suspected fraud.
International Friendly
User Analytics & Insights
User Ratings
Average Rating: 3.7 / 5.0
Top Positive Feedback:
Generous rewards for frequent shoppers at Dick's Sporting Goods and affiliated stores, useful special financing options, no annual fee.
Top Negative Feedback:
High APR for balances carried, rewards are primarily store-specific, customer service can be inconsistent.
Approval Experience Score: 80.0 / 100
Recommended Alternatives
- Target RedCard
- Amazon Prime Rewards Visa Signature
- Chase Freedom Unlimited
Card Value Score: 68.0 / 100
Est. Annual Rewards: $140.00
User Portfolio Metrics
Avg Portfolio Size: 3 cards
Avg Portfolio Age: 48 months
Store vs Co-brand: 55% General / 45% Store
Risk Assessment
Default Risk Group: Medium
Predicted Approval Probability: 75.0%
Terms Version Control
Version ID: v1.0