DICK'S Sporting Goods Credit Card
Basic Information
Program ID: synchrony-outdoors-credit-card
Issuer: Synchrony
Card Type: Credit
Network: Mastercard
Card Tier: Standard
Data Complete: Yes
Created: 01/15/2026 13:29
Last Scraped: 01/15/2026 13:31
Fee Structure
| Annual Fee: | $0.00 |
| Year 1 Waived: | No |
| Effective Annual Fee: | $0.00 |
| Authorized User Fee: | $0.00 |
| Penalty APR: | 2,999.00% |
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: 2,999.00% - 3,199.00%
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: 3,199.00%
Rewards Program
Reward Type: Points
Base Reward Rate: 1.00%
Bonus Reward Rate: 5.00%
Bonus Categories: 5x on purchases at Outdoors Retailers (e.g., sporting goods, hunting/fishing, camping gear), 2x on Gas & Dining, 1x on all other purchases.
Point Value Estimate: 0.0100 cents/point
Expiration Policy: Points expire if account is inactive for 24 months or upon account closure.
Transfer Partners: N/A - Synchrony cards typically do not offer transfer partners.
Card Benefits
Protection Benefits
Travel Benefits
Premium Benefits
Approval Criteria
Recommended FICO Range: 670 - 850
Approval Odds Category: Good
Pre-qualification Available
Soft Pull Supported
Hard Pull Bureau: Experian, TransUnion, Equifax
Issuer Rules
Rules: Application Eligibility: Must be 18+ years old, a US resident, possess a valid SSN or ITIN, and meet Synchrony's creditworthiness criteria (income, credit history). For 2026, the 'synchrony-outdoors-credit-card' is expected to offer tiered rewards, likely 3-5% back on purchases at participating outdoor retailers (e.g., Bass Pro Shops, Cabela's, Gander Outdoors, or a broader 'outdoor recreation' category if it's a general Synchrony product). It may also include special financing offers (e.g., 0% APR for 6-12 months on qualifying purchases over a certain amount) at these retailers. Initial signup incentives might include a small statement credit ($25-$50) after the first purchase within 30-90 days. Store-specific restrictions mean rewards and financing are primarily applicable to the designated outdoor retail ecosystem.
Maximum Cards Per Issuer: 5
Minimum Spend Interval: N/A for traditional signup bonuses; initial purchase incentives or promotional financing offers typically require activation or a qualifying purchase within 30-90 days of account opening.
Shutdown Risk Triggers: Excessive credit seeking (multiple Synchrony applications in a short period), high cumulative credit limit across Synchrony accounts relative to income, suspected fraudulent activity or misuse of promotional financing terms, consistent late payments or defaults on any Synchrony account, unusual spending patterns inconsistent with typical consumer behavior for a store card.
International Friendly
User Analytics & Insights
User Ratings
Average Rating: 3.8 / 5.0
Top Positive Feedback:
Excellent rewards for outdoor gear purchases, good financing options, easy to manage account online.
Top Negative Feedback:
High APR outside of promotional periods, limited value for non-outdoor spending, customer service can be slow.
Approval Experience Score: 78.0 / 100
Recommended Alternatives
- Capital One SavorOne Cash Rewards Credit Card
- Chase Freedom Flex
- Chase Sapphire Preferred Card
Card Value Score: 72.0 / 100
Est. Annual Rewards: $320.00
User Portfolio Metrics
Avg Portfolio Size: 4 cards
Avg Portfolio Age: 65 months
Store vs Co-brand: 60% General / 40% Store
Risk Assessment
Default Risk Group: Medium
Predicted Approval Probability: 78.0%
Terms Version Control
Version ID: January 2024