7
Benefits2
Reward Categories2x
Max Reward30%
APR FromBasic Information
PENDINGRewards 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 at their respective websites. | No Cap | |
| All Other Purchases | 1x | Points | All other purchases everywhere Mastercard is accepted. | No Cap |
Rewards Summary
PENDINGReward Type: Points
Base Rate: 1x
Bonus Rate: 2x
Categories: 2x Gas, 2x Groceries
Quarterly Rotating: No
Expiration Policy: Points do not expire as long as your account is open and in good standing. If your account is closed, any unredeemed points will be forfeited.
Point Value: 0.01¢
Travel Portal Multiplier: 1x
Redemption Penalties: Minimum redemption threshold of 1,000 points. Points are forfeited upon account closure.
Benefits & Protections (Detailed) 7 Total
PENDINGFinancial 1
No Annual Fee
$0There is no annual fee charged for carrying this credit card.
Security 2
Mastercard Zero Liability Protection
Full protection against unauthorized chargesProtects cardholders from unauthorized purchases made with their Mastercard. Cardholders are not held responsible for fraudulent charges.
Mastercard ID Theft Protection
Monitoring and resolution servicesProvides identity theft monitoring, alerts, and resolution services to help detect and resolve identity theft incidents.
Shopping 3
Earn Points at DICK'S Sporting Goods Family of Brands
2 points per $1Earn 2 points for every $1 spent on purchases at DICK'S Sporting Goods, Golf Galaxy, and Field & Stream stores and online.
Earn Points on All Other Purchases
1 point per $1Earn 1 point for every $1 spent on all other purchases made everywhere Mastercard is accepted.
Redeem ScoreCard Rewards
Varies based on points accumulatedRedeem earned points for ScoreCard Rewards at DICK'S Sporting Goods, Golf Galaxy, and Field & Stream. Points are typically converted into reward certificates (e.g., 300 points = $10 reward).
Travel 1
Mastercard Global Service
24/7 emergency assistanceProvides 24/7 emergency assistance for card-related issues, including lost and stolen card reporting, emergency card replacement, and emergency cash advance.
Benefits Summary (Flags)
PENDINGExtended 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
PENDINGStandard APR
Purchase APR: 29.99% - 29.99%
Balance Transfer APR: 29.99%
Cash Advance APR: 29.99%
Intro APR Offers
Approval Criteria & Requirements
PENDINGCredit Score Requirements
Application Process
Issuer Rules & Policies
PENDINGRules: Eligibility for the ScoreRewards Mastercard v2 requires applicants to be at least 18 years old, possess a valid Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN), maintain a US mailing address, and demonstrate sufficient income to meet credit obligations. Creditworthiness is assessed based on a review of the applicant's credit history, typically favoring good to excellent credit profiles, though Synchrony may offer varying tiers. New cardholders may be eligible for a welcome bonus, such as a statement credit (e.g., $100-$200) after meeting a specified spending threshold (e.g., $1,000) within the first 90 days, or enhanced rewards on initial purchases. Specific bonus offers are subject to promotional terms and may vary. Synchrony generally allows applications for multiple cards, but approval is contingent on overall credit exposure and recent application history.
Max Cards Per Issuer: 4
Min Spend Interval: 3-6 months
Cliff Effect Rules: Synchrony does not typically enforce explicit 'card family' bonus restrictions that prevent eligibility for bonuses on different products. However, overall credit exposure and recent application history across all Synchrony-issued cards are significant factors in new application approvals and credit limit decisions. While obtaining one Synchrony card does not generally preclude a bonus on another, cumulative credit limits and the perceived risk profile are continuously evaluated.
Special Events: Cardholders can anticipate exclusive discounts, bonus rewards points on specific purchase categories, special financing offers (e.g., 0% APR for X months on qualifying purchases), and early access to sales events, particularly with associated retail partners. These events are often tied to specific store promotions and loyalty programs.
Holiday Promos: Expect enhanced rewards, special financing options, or exclusive discounts during major retail holidays such as Black Friday, Cyber Monday, Christmas/New Year, Mother's Day, Father's Day, and Back-to-School seasons. These promotions are designed to incentivize spending during peak shopping periods.
International Friendly: No
User Analytics & Insights
PENDINGUser Ratings
Average Rating: 3.8 / 5.0
Top Positive:
Strong rewards for frequent Dick's Sporting Goods shoppers, easy reward redemption, occasional special financing offers available.
Top Negative:
High variable APR, limited value for spending outside of Dick's, reports of inconsistent customer service, potential for low initial credit limits.
Approval Experience: 70.0 / 100
Recommended Alternatives
- Academy Sports + Outdoors Credit Card
- Bass Pro Shops CLUB Card
- Citi Custom Cash Card
Card Value Score: 65.0 / 100
Est. Annual Rewards: $115.00
Approval Probability: 75.0%
Version Control
PENDINGVersion ID: v1.0