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DICK’S ScoreRewards Mastercard® card

DICK’S ScoreRewards Mastercard®: Automatic Gold Stats & More

By the Best Credit Cards Guide editorial team · Information from the original card page, updated May 28, 2025

Annual fee
None
Recommended credit
Excellent / Good
Card network
Mastercard
Regular purchase APR
32.24% variable based on the Prime Rate
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Check before you apply: the rates, fees and offers on this page are as listed on the original card page (updated May 28, 2025) and may have changed. Confirm current terms on the issuer’s website. Best Credit Cards Guide may be compensated by some issuers; see our Advertiser Disclosure.

At a glance

The ScoreRewards Mastercard is a retail credit card co-branded with DICK’S Sporting Goods to reward customers with special cash-equivalent rewards earned from purchases made directly with the retailer. The card is issued by Synchrony Bank.

Our review of the DICK’S ScoreRewards Mastercard®

ScoreRewards Mastercard® Revie

The ScoreRewards Mastercard is a top choice for sports enthusiasts and outdoor lovers who frequently shop for equipment and apparel at DICK’S Sporting Goods and its affiliates. With double points for in-store and online purchases, exclusive offers, insider access to deals, and more, this retail credit card offers great perks for fishermen, golfers, and anyone who loves sports and outdoor activities.

Welcome Offer

New cardholders can enjoy a special thank-you bonus: Earn 3X points on qualified in-store and online purchases at DICK’S the day you open and use your new account. This introductory offer allows you to earn rewards quickly, with a $10 reward for every $100 spent on your first day.

Special Financing or Reward Points: Your Choice

Cardholders can choose special financing for in-store purchases of $399 or more, subject to credit approval. This option allows you to avoid interest charges for a set period on large purchases made with the card. Even if you don’t make a big purchase on your first day, you can still enjoy a special thank-you perk.

How to Redeem Points

Earned points can be used to purchase merchandise at DICK’S and its affiliates, but cannot be applied to your credit card bill. Points expire after one year if not converted. Cardholders with 300 or more points can easily convert them using the mobile app to avoid losing their rewards.

Dick’s ScoreCard Rewards Program

The ScoreCard program from DICK’S Sporting Goods offers special rewards, exclusive deals, and new gear access. Members earn points on qualified purchases at DICK’S, Golf Galaxy, Field & Stream, and online stores, with a $10 reward issued for every 300 points earned. Achieving Gold status unlocks even more benefits for members, including exclusive offers and additional ways to earn points.

Mastercard Benefits

In addition to the rewards offered by DICK’S, the ScoreRewards Mastercard also provides the benefits and protections of a Mastercard product, including Zero Liability Protection, Mastercard Global Services, and ID Theft Protection.

Should You Apply for the ScoreRewards Mastercard®?

Overall, the ScoreRewards Mastercard is a solid choice for sports enthusiasts who frequent DICK’S Sporting Goods and its affiliates. With automatic gold status in the ScoreCard program and rewards for every purchase, this card offers great value for those who pay their balance in full each month or take advantage of special financing options. However, if you prefer more flexibility in earning and redeeming rewards, you may want to consider other options.

Card features

Benefits as listed on the original card page. They can change; confirm details with the issuer.

  • Earn 2X points per $1 spent on all qualified in-store purchases at DICK'S Sporting Goods, and online at DICKS.com
  • Earn 1 point per $3 spent anywhere else Mastercard is accepted
  • Automatic ScoreCard Gold Status with account approval
  • No annual fee
  • Choose between two exclusive sign-up bonuses when your new account is approved

Who this card may suit

  • You love to shop at DICK’S Sporting Goods, Golf Galaxy, and Field & Stream
  • You're a current DICK’S Scorecard Rewards member
  • You want a retail rewards card that does not charge an annual fee
  • You prefer to earn points from your purchases at DICK’S that count towards future discounts at the store
  • You want access to exclusive members-only deals, coupons, and more

Rates, fees and terms

Rates, fees and terms as listed on the original card page (updated May 28, 2025). Confirm current terms on the issuer’s site.
Annual FeeNone
Regular Purchase APR32.24% variable based on the Prime Rate
Cash Advance Transaction FeeEither $10 or 5% of the amount of each cash advance, whichever is greater
Foreign Transaction Fee3% of the transaction amount in U.S. dollars
Late Payment Penalty FeeUp to $41

Confirm before you apply: rates, fees and offers change often. The figures above are the ones listed on the original card page, not a current quote from the issuer. APRs are typically variable, and the rate you receive depends on your creditworthiness. Recommended credit: Excellent Credit Good Credit.

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DICK’S ScoreRewards Mastercard®

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