DICK'S Sporting Goods ScoreRewards Visa® Credit Card

Synchrony Visa Pending

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14

Benefits

5

Reward Categories

5x

Max Reward

21.2%

APR From
Basic Information
PENDING

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

Issuer: Synchrony

Card Name: DICK'S Sporting Goods ScoreRewards Visa® Credit Card

Card Type: Credit

Network: Visa

Card Tier:

Approved: Pending

Data Complete: Complete

Created: Jan 09, 2026 04:42

Last Scraped: Feb 07, 2026 05:50

Apply URL: Visit

Home URL: Visit

Rewards Program (Detailed) 5 Categories
PENDING
Category Rate Type Description Annual Cap Status
DICK'S Sporting Goods Purchases 5x Points Purchases at DICK'S Sporting Goods, Golf Galaxy, and Field & Stream stores and online. No Cap
Gas 2x Points Gas purchases. No Cap
Groceries 2x Points Grocery purchases. No Cap
Dining 2x Points Dining purchases. No Cap
All Other Purchases 1x Points All other purchases everywhere Visa is accepted. No Cap
Rewards Summary
PENDING

Reward Type: Points

Base Rate: 1x

Bonus Rate: 5x

Categories: 5x points at Dick's Sporting Goods, Golf Galaxy, and Field & Stream stores and online; 2x points on gas, grocery, and dining purchases; 1x points on all other purchases

Quarterly Rotating: No

Expiration Policy: Points expire 24 months after they are earned.

Point Value: 0.03¢

Travel Portal Multiplier: 1x

Redemption Penalties: Minimum redemption of 300 points for a $10 ScoreCard Reward. Rewards are issued in $10 increments.

Benefits & Protections (Detailed) 14 Total
PENDING
Financial 1
No Annual Fee
$0 Annual Fee

The card does not charge an annual fee for card membership.

Security 2
Zero Liability Protection
Full protection

Protects cardholders from unauthorized use of their card or account information. Cardholders are not responsible for unauthorized purchases.

Lost/Stolen Card Reporting
Reporting service

Provides a service to report a lost or stolen card, helping to prevent unauthorized use and initiate card replacement.

Shopping / Financing 1
Special Financing Offers
Varies by offer

Access to special financing offers on qualifying purchases made with the card. Details typically provided at point of sale or in promotional materials.

Shopping / Lifestyle 1
Exclusive Cardholder Offers
Varies by offer

Receive exclusive discounts and promotional offers available only to DICK'S Sporting Goods ScoreRewards Visa Cardholders.

Shopping / Rewards 3
Accelerated Rewards at DICK'S Family Stores
2X Points per $1

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

Standard Rewards Everywhere Else
1 Point per $1

Earn 1 ScoreCard point for every $1 spent on qualifying purchases made everywhere else Visa credit cards are accepted.

Reward Redemption
$20 Bonus Reward for 300 points

Receive a $20 Bonus Reward for every 300 ScoreCard points earned. Rewards are issued as coupons redeemable at DICK'S Sporting Goods, Golf Galaxy, and Field & Stream.

Shopping / Welcome Offer 1
First Purchase Discount
15% off first purchase

Receive 15% off your first qualifying purchase made with the DICK'S Sporting Goods ScoreRewards Visa Card upon account opening.

Travel / Assistance 2
Roadside Dispatch
Access to services

A pay-per-use referral service that provides 24-hour access to roadside assistance services like towing, tire changing, jump starting, lockout service, and fuel delivery. Cardholders pay for services rendered.

Travel and Emergency Assistance Services
Referral service

A referral service that connects cardholders with appropriate local emergency resources when traveling, including medical, legal, and travel assistance. Cardholders are responsible for the cost of third-party services.

Travel / Security 2
Emergency Card Replacement
Expedited replacement

Provides assistance with obtaining an emergency card replacement if the card is lost or stolen, typically within 1-3 business days.

Emergency Cash Disbursement
Up to available credit limit

Provides assistance with obtaining emergency cash if the card is lost or stolen, typically available within hours.

Travel Insurance 1
Auto Rental Collision Damage Waiver
Up to the actual cash value of the vehicle

Provides secondary coverage for damage due to collision or theft of most rental vehicles when the eligible rental car is charged entirely to the card and the cardholder declines the rental company's collision damage waiver (CDW) or similar option.

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
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: 33.24%

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 promotional purchase is not paid in full within 6 or 12 months. Minimum monthly payments required.
Approval Criteria & Requirements
PENDING
Credit Score Requirements
670 - 739
Good
Hard Pull Only
Application Process
Not specified
Not specified
Experian, Equifax, TransUnion
Issuer Rules & Policies
PENDING

Rules: Eligibility for the Dick's Sporting Goods ScoreRewards Visa Card 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 or Individual Taxpayer Identification Number, and possess a good to excellent credit history. Approval is subject to Synchrony's credit underwriting standards, including income verification and a review of existing credit obligations. Applicants should not have recent bankruptcies or severe delinquencies. For 2026, a typical bonus offer is projected to be: Earn 10,000 ScoreRewards bonus points (equivalent to $100 in rewards) after spending $500 on purchases within the first 90 days of account opening.

Max Cards Per Issuer: 5

Min Spend Interval: 90 days

Shutdown Risk Triggers: Manufactured spending, high cumulative credit limit across Synchrony accounts, rapid application velocity for new Synchrony cards, late payments or defaults on any Synchrony-issued account, unusual spending patterns inconsistent with historical behavior, abuse of return policies or rewards programs, suspected fraudulent activity.

Cliff Effect Rules: While there are no direct 'cliff effect' rules similar to premium travel card families, eligibility for the Dick's Sporting Goods ScoreRewards Visa Card may preclude holding the basic Dick's Sporting Goods store card simultaneously. Bonus eligibility is typically limited to once per lifetime or once every X years for a specific product.

Special Events: Exclusive cardholder-only discounts and sales events, bonus ScoreRewards points days (e.g., 2x, 3x, 5x points on specific categories or dates), early access to new product launches or major sales, birthday rewards or special anniversary offers, and promotions tied to major sporting events.

Holiday Promos: Black Friday / Cyber Monday (late November), Christmas / Holiday Shopping Season (December), Back-to-School (July-August), seasonal clearance events (e.g., End of Winter, Summer Kick-off), and specific promotions around major sporting events throughout the year.

International Friendly: No

User Analytics & Insights
PENDING
User Ratings

Average Rating: 3.2 / 5.0

Top Positive:
Great for frequent shoppers at Dick's Sporting Goods, earning good rewards on store purchases. Access to special financing and exclusive offers is a plus.

Top Negative:
Low reward rate on general purchases, high APR, and some users report issues with Synchrony Bank's customer service or account management.

Approval Experience: 75.0 / 100

Recommended Alternatives
  • Amazon Prime Rewards Visa Signature Card
  • Capital One SavorOne Cash Rewards Credit Card
  • Citi Custom Cash Card

Card Value Score: 60.0 / 100

Est. Annual Rewards: $105.00

Approval Probability: 75.0%

Version Control
PENDING

Version ID: v1.0