Dick’s ScoreRewards Mastercard Credit Card Review

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Updated: 1st Sep 2021
Written by Kim Pinnelli
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Camping, hunting, and hiking equipment can be expensive! Even with regular deals and sales, Dick’s Sporting Goods fans usually have to pay tons of money to enjoy their hobby to the fullest.

Fortunately, there’s another option: the ScoreRewards Credit Card. This specialized credit card rewards you for buying sporting and camping equipment at Dick’s and from affiliated brands.

Let’s take a deep dive into this card and everything it has to offer so you can know whether you want to add it to your wallet in the near future.

Dicks SCOREREWARDS® Credit Card Pros and Cons

Pros:

  • Includes a mobile app for easy points redemption
  • Has good points accrual rate for sporting goods purchases at Dick’s
  • No annual fee
  • Access to member exclusive perks once you are a cardholder

Cons:

  • Not a great points accrual rate for non-Dick’s purchases
  • Some extra fees to watch out for

What Is the Dicks SCOREREWARDS® Credit Card?

In a nutshell, the ScoreRewards Credit Card is a specialized credit card intended to be used by those who buy a lot of sporting and outdoor gear equipment for their hobbies at Dick’s Sporting Goods and some of its affiliates.

You earn more points by spending money at these retailers (such as double points for in-store or online purchases).

Cardholders also get access to some exclusive offers and chances to buy new or exciting merchandise.

The ScoreCard is tied to the broader Dick’s Sporting Goods loyalty program. It’s issued by Synchrony Bank, which is known for its good customer service.

Dicks SCOREREWARDS® Credit Card Review

  • Annual Fee: $0
  • Annual APR: 26.99%
  • Rewards: 2 points per dollar spent for qualified purchases at Dick’s, either online or in-store. 1 point per three dollars spent for all other purchases
  • Sign-Up Bonus: 3 points per dollar spent for Dick’s purchases for the first day after your account opens

Dick’s ScoreCard Rewards

The ScoreRewards Credit Card’s rewards point formula is easy to grasp, but let’s break it down, so you’ll know whether this card is worthwhile.

Earning Rewards

Bring the ScoreRewards Credit Card to a Dick’s Sporting Goods store or Dicks.com and make a purchase.

You’ll get two points per dollar spent for any qualified purchases (which include most of the products within these stores, including many of the popular products made by affiliate companies or manufacturers).

However, cardholders can also earn one point per every three dollars spent using the card anywhere else where MasterCards are accepted.

While this is nice for flexibility, there’s no denying that the points accrual rate is very minor.

Redeeming Rewards

Once you’ve accumulated points, you can use them to purchase merchandise from Dick’s, either in-store or online.

Unfortunately, the rewards points cannot be used to knock off credit from your credit card bill or for any other purposes.

Additionally, any unconverted points (i.e., points you don’t use to purchase things at Dick’s) expire after one year from being earned.

There is a bright side to this rewards point scheme, however. If you have at least 300 points, you can download the Dick’s mobile app and convert the points for a quick purchase, so you avoid losing that free credit.

Dicks SCOREREWARDS® Credit Card Features and Benefits

While the rewards rate alone could be attractive for outdoorsy people or those who spend a lot of money on sporting goods products, there are some other advantages and features you should keep in mind.

Exclusive Member-Only Offers

Once you sign up for and are approved for this card (or spend $500 in a calendar year without being a cardholder), you’ll achieve ScoreCard Gold status.

This gives you access to member-only offers, such as access to exclusive products or gear.

More importantly, you’ll get access to financing for in-store purchases worth $399 or more. Granted, the exact financing details will depend on your credit score and a variety of other factors.

But this may still be a great way to make some larger sporting goods purchases, such as buying new camping or fishing gear for you and your family.

Decent Reward Points

As mentioned, the ScoreRewards Credit Card’s points accrual rate is pretty good for those who spend a lot of money buying sporting goods products at Dick’s.

Additionally, once you sign up for and are approved for the card, you’ll get a special bonus of 3x points per dollar spent for the first day after you open your account.

Earn Points on Everyday Purchases

You can also use this card for everyday purchases, although keep in mind that the rewards accrual rate is very low.

You only earn $.33 per dollar spent with any other purchases made with the ScoreRewards Credit Card, making practically any other rewards credit card better in terms of value for money.

Be Careful of Card Fees

While the ScoreRewards Credit Card doesn’t have an annual fee, there are some other fees to watch out for. These include:

  • A $40 late penalty fee
  • A 3% foreign transaction fee
  • A 5% or $10 cash advance transaction fee, whichever is greater

Furthermore, the card’s APR can be high. It’s a 26.99% variable rate based on the prime rate, and any cash advances you request will be saddled with a 29.99% APR.

How Does the Dick’s Credit Card Compare to Other Cards?

Given the ScoreRewards Credit Card’s limited focus, let’s take a look at some other credit cards in case you’re looking for something more flexible or with a more generous rewards rate for non-Dick’s purchases.

#1. Chase Freedom Unlimited®

The Chase Freedom Unlimited® card gives you 5% cash back for grocery purchases in the first year that you have your account.

This goes up to a maximum cap of $12,000, but that’s a reasonably generous limit considering that few families will reach it even after a year of grocery spending.

Therefore, this card is clearly focused more on families and may be a better choice if you need a card that saves you more money where you spend more money (few people spend more money on sporting goods products than they do on groceries).

#2. Capital One Platinum Card

Capital One’s Platinum Card is a straightforward and easy to grasp card with no annual fee.

However, it doesn’t have any rewards program; it’s best used as a basic or catchall credit card for making big purchases due to its lack of fees and no penalty APR for any late payments.

Therefore, this card and the ScoreRewards card aren’t really comparable.

#3. Citi® Double Cash Card

The Citi® Double Cash Card is a versatile and popular credit card that gives you 2% cash back on all purchases.

You get 1% cash back when you make the purchase and another 1% when you pay it off. This is a phenomenal credit card for those who spend money at various retailers or online stores, not just Dick’s Sporting Goods.

#4. Chase Sapphire Preferred® Card®

The Chase Sapphire Preferred® Card is a great card for travelers or those who spend a lot of money eating out.

You get 2 points per dollar spent for dining, travel, and take-out purchases and 1 point per dollar spent for everything else.

With a high-value introductory offer and more bonuses, if you are a Chase Ultimate Rewards member, this is clearly a superior card if you don’t spend tons of cash on Dick’s sporting goods products.

Frequently Asked Questions

Who Should Get the Dicks Sporting Goods Credit Card?

At its core, the ScoreRewards Credit Card is really only a good choice for those who spend tons of money at Dick’s Sporting Goods.

Especially when you compare the card to the above options, the ScoreRewards Credit Card is not a great card for earning rewards points for purchases like gas, groceries, dining, or even travel.

The rewards point accrual rate for non-sporting goods purchases is simply too low to make the card worthwhile, especially when you consider the potential fees you may run into.

Is the Dick’s Sporting Goods Credit Card Worth It?

That depends on what you use it for and how much money you spend on sporting goods every year.

If you are an avid outdoors person and spend a lot of time hiking, fishing, kayaking, camping, or doing anything else, you might need to buy several hundred or even thousands of dollars of equipment every year.

In that case, you could benefit from the ScoreRewards Credit Card just because of how much money it might save you from your purchases.

Say that you spend $500 on Dick’s Sporting Goods products. Given the two points per dollar spent accrual rate, you’ll get 1000 points from those purchases.

You can then redeem the points at a rate of one cent per point, which would equal $10.

However, the card is not worth it if you spend most of your money at various retailers and don’t buy a lot of sporting goods stuff that often.

What Credit Score is Needed to Qualify for the Dicks SCOREREWARDS® Credit Card?

The ScoreRewards Credit Card is only available to those with at least good credit, typically qualified as at least 670 or more.

Bottom Line: Dick’s ScoreRewards Mastercard® Credit Card Review

Ultimately, the ScoreRewards Credit Card is specialized and potentially beneficial if you spend hundreds of dollars on sporting goods, supplies, and equipment every year.

If you don’t, you should look elsewhere for a more rewarding card with a better points accrual rate for non-sporting goods purchases.

Kim Pinnelli
Kim Pinnelli
Kim is a personal finance expert with a Bachelor’s degree in Finance from the University of Illinois at Chicago. She has been freelance writing for 13 years for a number of large publications. Kim thoroughly enjoys helping people take charge of their personal finances.