Dick’s Sporting Goods credit cards: Earn savings on all your sporting gear

Dick's Sporting Goods credit cards: Earn savings on all your sporting gear Dick's Sporting Goods credit cards: Earn savings on all your sporting gear Image:

In a Nutshell

When you apply for a credit card at Dick's Sporting Goods, you'll be approved for either the Rewards of Sport Credit Card or the Rewards of Sport Mastercard®. The card's issuer will decide which card you get based on your creditworthiness.

We generally make money when you get a product (like a credit card or loan) through our platform, but we don’t let that cloud our editorial opinions. Learn more about how we keep this compensation from affecting our editorial views.
Advertiser Disclosure
We think it's important for you to understand how we make money. It's pretty simple, actually. The offers for financial products you see on our platform come from companies who pay us. The money we make helps us give you access to free credit scores and reports and helps us create our other great tools and educational materials.   Compensation may factor into how and where products appear on our platform (and in what order). But since we generally make money when you find an offer you like and get, we try to show you offers we think are a good match for you. That's why we provide features like your Approval Odds and savings estimates.   Of course, the offers on our platform don't represent all financial products out there, but our goal is to show you as many great options as we can.

Dick’s Sporting Goods actually offers two credit cards, but you can’t choose which Dick’s credit card you’re going to get when you apply.

After you fill out an application, you’ll first be considered for the Rewards of Sport Mastercard®. If the card’s issuer, Synchrony Bank, doesn’t approve you for that card, then you’ll be considered for the Rewards of Sport Credit Card.

See the best Synchrony Financial credit cards

Both Dick’s Sporting Goods credit cards offer two points for every dollar spent on in-store purchases. Points are earned in Dick’s ScoreCard program, which allows you to earn a $10 merchandise reward for every 300 points. This equates to rewards worth 6.66 percent of your in-store purchases.

Other benefits include access to special financing offers — and neither card comes with an annual fee.

The Rewards of Sport Credit Card can only be used in person at Dick’s Sporting Goods stores, as well as their other store brands, Field & Stream and Golf Galaxy. Unlike most other store cards, it can’t be used for online purchases.

On the other hand, the Rewards of Sport Mastercard® can be used anywhere Mastercard is accepted. In addition to offering the two points per dollar spent on in-store purchases, you can also earn one point for every $3 spent on out-of-store purchases.

Keep reading to learn more about the features of these cards and whether they’re right for you.


  1. The rundown: Everything we like about the Dicks Sporting Goods Rewards of Sport Credit Card and Rewards of Sport Mastercard®.
  2. Heads up: What you should consider before applying for the Dick’s credit cards.
  3. Do the math: How to get the most out of the Dicks Sporting Goods Rewards of Sport Credit Card and Rewards of Sport Mastercard®.
  4. The competition: How the Dicks Sporting Goods Rewards of Sport Credit Card and Rewards of Sport® Mastercard® stack up against similar cards.
  5. Bottom line: Are the Dicks Sporting Goods Rewards of Sport Credit Card and Rewards of Sport Mastercard® right for you?

The rundown: Everything we like about the Dicks Sporting Goods Rewards of Sport Credit Card and Rewards of Sport Mastercard®

With over 700 locations, Dick’s Sporting Goods has emerged as one of the largest sports and fitness retailers in the U.S. Its store credit cards offer several advantages:

Earn two points per dollar spent on in-store purchases

Rewards earned for in-store purchases are worth 6.66 percent of the amount spent. This is a very strong rate of return for a store credit card, as many will only offer rewards worth 5 percent of purchases or less.

Promotional financing offers

The Dick’s credit cards may come with a special promotional financing offer. These offers allow you to avoid interest charges on your in-store purchases if they are paid in full before the financing period ends. The promotional terms will vary by store and are not extended to every cardholder.

10 percent back in rewards on your first Rewards of Sport Credit Card purchase

Ten percent may be significant savings on a large purchase, but it only applies to an in-store purchase. Also, if you choose to use a financing offer, you won’t get this discount.

Earn rewards at multiple stores

These cards don’t just offer rewards at Dick’s Sporting Goods. You can also earn points at Golf Galaxy and Field & Stream stores.

Heads up: What you should consider before applying for the Dick’s credit cards

While these cards let you earn valuable points for in-store purchases, there are several limitations to this offer:

Points don’t count toward online purchases or at kiosks

You can’t use the Dicks Sporting Goods Rewards of Sport Credit Card to make purchases at in-store kiosks or DicksSportingGoods.com, GolfGalaxy.com and FieldandStreamShop.com. If you use the Rewards of Sport Mastercard® at in-store kiosks, you’ll earn the out-of-store purchase rewards rate of one point per $3 spent on purchases, as well as the one point for every dollar you get for in-store purchases using your ScoreCard number.

Exclusions apply

ScoreCard program points can’t be earned on sales tax or on certain brands, such as PING, Mizuno Golf, Titleist and some TaylorMade products. You also can’t earn points on gift cards, returned merchandise, online services, shipping, gift certificates and gift wrap.

Low rate of return on out-of-store purchases

With the Rewards of Sport Mastercard®, you’ll only earn one point for every $3 spent on out-of-store purchases, a 0.33 percent cash back rate. This rewards rate isn’t competitive with the leading cash back reward cards — for example, the Capital One® QuicksilverOne® Cash Rewards Credit Card gives a flat 1.5 percent cash back on all purchases.

From our partner
See Details, Rates & Fees

High interest rates and fees

Both Dick’s cards have variable annual percentage rates (APRs) of the prime rate plus 23.74 percent. As of April 1, 2017, the total variable APR for purchases for both cards is 27.74 percent. This APR is much higher than the national average, which is 16.13 percent as of August 2017. And while neither card has an annual fee, the Rewards of Sport Mastercard® has a cash advance fee of 4 percent ($10 min.) and a foreign transaction fee of 3 percent.

Deferred interest financing

While promotional financing deals like the Dick’s cards offer can sound tempting, you need to make sure you can pay off the full balance within the promotional period. If you don’t pay in full by the due date, you’ll have to pay all the interest that has accumulated since your purchase.

Do the math: How to get the most out of the Dicks Sporting Goods Rewards of Sport Credit Card and Rewards of Sport Mastercard®

There are some families who love athletics. Everyone plays a different sport, and the household makes frequent purchases at sporting goods stores such as Dick’s. This would be the ideal household to have a Rewards of Sport Credit Card or the Rewards of Sport Mastercard®.

The rate of return for in-store purchases, 6.66 percent, is very strong, and 10 percent discount after approval for the Rewards of Sport Credit Card can be valuable for larger purchases.

At the same time, the Rewards of Sport Mastercard® doesn’t offer very compelling rewards for out-of-store purchases. With a different credit card, you can get much more appealing rewards.

For example, with the Blue Cash Preferred® Card from American Express, you can get 6 percent cash back at U.S. supermarkets on up to $6,000 per year in purchases (1 percent after that). You can also get 3 percent cash back at U.S. gas stations and at select U.S. department stores and 1 percent back on other purchases.

From our partner
See Details, Rates & Fees

Another competitive option is the Citi® Double Cash Card. This card offers 1 percent cash back when you make a purchase and 1 percent back when you pay off those purchases.

From our partner

Citi® Double Cash Card

From cardholders in the last year

See Details, Rates & Fees

The competition: How the Dicks Sporting Goods Rewards of Sport Credit Card and Rewards of Sport Mastercard® stack up against similar cards

Bass Pro Shops® Outdoor Rewards® Mastercard®  Credit card rewards at Bass Pro worth 5% or 3% depending on the card you receive. 1% Rewards Points earned on other purchases.
Cabela’s Club Visa® Classic  2% points earned on Cabela’s purchases and 1% elsewhere.
Capital One® QuicksilverOne® Cash Rewards Credit Card  1.5% cash back everywhere, $150 sign-up bonus after spending $500 on purchases in the first three months, and 0% intro APR on new purchases and balance transfers for 9 months (13.99%–23.99% variable APR after that).

 


Bottom line: Are the Dicks Sporting Goods Rewards of Sport Credit Card and Rewards of Sport Mastercard® right for you?

If you are a die-hard athlete and a fan of Dick’s Sporting Goods stores, then it can make perfect sense to have this card for the in-store savings.

But if your spending is more varied, you may fare better with a more general rewards card where you earn competitive rewards on all purchases.


Editorial Note: The opinions you read here come from our editorial team. While compensation may affect which companies we write about and products we review, our marketing partners don't review, approve or endorse our editorial content. Our content is accurate (to the best of our knowledge) when we initially post it, but we don't guarantee the accuracy or completeness of the information provided. You can visit the company's website to get complete details about a product. See an error in an article? Use this form to report it to our editorial team. For questions about your Credit Karma account, please submit a help request to our support team.