DICK’S Sporting Goods offers two credit cards for customers who want extra rewards or special financing on sports equipment, clothing, footwear, and outdoor gear. One card can only be used across DICK’S-owned stores, while the other works anywhere Mastercard is accepted.
Synchrony Bank issues both cards and decides which one an applicant qualifies for. The bank may review your credit history, income, existing debt, payment record, and recent applications before it makes a decision.
What Credit Score Do You Need for a DICK’S Credit Card?
DICK’S Sporting Goods and Synchrony Bank don’t publish a minimum credit score for either card.
A credit score of at least 640 may provide a reasonable chance of qualifying for the store-only DICK’S Credit Card. Applicants who want the DICK’S Mastercard should generally aim for a credit score of 670 or higher.
The following ranges can help you estimate your position:
| Credit Score Range | Estimated Approval Outlook |
|---|---|
| 740 or higher | Strong chance for the DICK’S Mastercard |
| 670 to 739 | Competitive for the DICK’S Mastercard |
| 640 to 669 | Possible for the store-only DICK’S Credit Card |
| 600 to 639 | Approval may be difficult |
| Below 600 | Another payment method may be more realistic |
These ranges are estimates, not official Synchrony Bank requirements. No credit score guarantees approval.
An applicant with a 650 credit score and low balances may appear less risky than someone with a 700 credit score who has recent late payments or several newly opened accounts.
Which DICK’S Credit Card Can You Get?
The former ScoreRewards card program was renamed in May 2026. The two current options are the DICK’S Credit Card and the DICK’S Mastercard. Synchrony Bank issues both accounts.
The cards differ mainly in where you can use them:
- DICK’S Credit Card: This store card works at DICK’S Sporting Goods, DICK’S House of Sport, Golf Galaxy, Golf Galaxy Performance Center, Public Lands, and Going Going Gone.
- DICK’S Mastercard: This card works at the same DICK’S-owned stores and anywhere else Mastercard is accepted.
The application process may consider you for both cards. Applicants with stronger credit profiles may have better chances of receiving the Mastercard, while others may qualify only for the store card.
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Is a 650 Credit Score Enough for a DICK’S Credit Card?
A credit score of 650 may be enough for the store-only DICK’S Credit Card, but approval remains uncertain.
Synchrony Bank may place more weight on other details when your credit score falls in the mid-600s. Your chances may improve when your credit report shows:
- Low balances: Your current credit card debt uses only a small share of your total limits.
- Recent on-time payments: Your accounts show no recent missed due dates.
- Stable income: Your earnings can support your current debts and another payment.
- Few recent applications: Your credit report contains limited new inquiries or accounts.
- Established credit history: You have managed open accounts over several years.
A credit score near 650 may not be enough for the DICK’S Mastercard. Applicants who want that card should consider waiting until their credit profile is stronger.
What Else Does Synchrony Bank Consider?
Synchrony Bank may examine several parts of your application and credit report.
- Income: The bank needs to decide whether you can afford another credit account.
- Existing debt: High monthly payments can leave less room for a new balance.
- Payment history: Late payments, charge-offs, and collection accounts may hurt your chances.
- Credit utilization: High revolving balances can signal greater lending risk.
- Recent inquiries: Several applications within a short period may weaken your profile.
- Credit history length: Older accounts provide a longer record of how you manage credit.
- Previous Synchrony accounts: Past problems with another Synchrony Bank account may affect the decision.
Your requested purchase amount can also matter after approval. A small starting credit limit may not cover an expensive piece of equipment or a large shopping trip.
How to Improve Your Approval Odds
A few changes may strengthen your application before you apply.
- Pay down credit card balances: Lower balances can improve your credit ratio and reduce monthly debt.
- Pay before the statement closes: An earlier payment may reduce the balance sent to the credit bureaus.
- Make every payment on time: A recent late payment can seriously hurt your application.
- Correct credit report errors: Dispute accounts, balances, or payment details that are inaccurate.
- Pause other applications: Extra hard inquiries may reduce your chances of approval.
- Keep older accounts open: Older accounts can support credit history length and total available credit.
- Report eligible income accurately: Include income that the application permits you to report and that you can reasonably access.
The common 30% credit usage guideline shouldn’t be treated as an ideal target. Lower credit usage is generally better. Balances below 10% of your total credit limits may support a stronger application.
Only dispute information that is inaccurate, incomplete, or not yours. Accurate negative information can’t usually be removed because it lowers your credit score.
What Rewards Do the DICK’S Credit Cards Offer?
Both cards currently earn 10% back in ScoreCard Rewards on qualifying purchases across participating DICK’S-owned stores. The DICK’S Mastercard also earns 1% back in ScoreCard Rewards on purchases made elsewhere.
The current card benefits include:
- 10% back at DICK’S brands: Rewards come through ScoreCard points on qualifying purchases.
- 1% back elsewhere: This benefit applies only to the DICK’S Mastercard.
- New cardholder reward: Approved applicants can receive a $30 bonus reward after they open and use the card under the offer terms.
- Automatic Gold status: Cardholders receive ScoreCard Gold status after they use the card at a participating DICK’S store.
- Special financing: Qualifying purchases may receive up to 24 months of promotional financing.
Special financing purchases may not earn the same rewards. Review the choice between points and financing before you complete the purchase.
How Special Financing Works
The DICK’S Credit Card program may offer promotional financing on qualifying purchases. This can help spread out the cost of expensive exercise equipment, golf clubs, bicycles, or other eligible items.
Read the exact financing terms before you choose this option. Some retail credit promotions use deferred interest. Under that structure, failure to pay the full balance by the deadline can cause interest to apply from the original purchase date.
Do not rely on the minimum payment alone. Divide the promotional balance by the number of months in the offer to create your own payoff target.
A $1,200 purchase financed for 12 months would require payments of at least $100 per month before any taxes, fees, or other purchases.
What to Do if Your Application Is Denied
Synchrony Bank should send an adverse action notice after it denies an application. The notice should state the main reasons for the decision and identify the credit bureau that provided the credit report.
Review those reasons before you apply again. Common problems may include high balances, recent late payments, limited credit history, too many inquiries, or debt that appears high compared with income.
Check the named credit report for mistakes. Submit a dispute directly to the credit bureau when you find confirmed inaccurate information.
Avoid another immediate application. The same unresolved issues could cause another denial and another hard inquiry.
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Is a DICK’S Credit Card Worth It?
A DICK’S Credit Card may offer strong value for someone who shops regularly across DICK’S-owned stores. The current 10% rewards rate is much higher than the return offered by many general-purpose cards, though exclusions and program terms apply.
The DICK’S Mastercard has broader use, but its 1% rate on outside purchases is lower than what many cash-back cards offer. The store-only card may also have limited value if you rarely shop at participating retailers.
Aim for a credit score of at least 640 for the store card. A credit score of 670 or higher may give you a better chance of receiving the DICK’S Mastercard. Your income, debt, payment history, current balances, and recent applications still affect the final decision.
