The Ultimate Guide to the DICK’S Sporting Goods Credit Card

If you’re a frequent shopper at DICK’S Sporting Goods, Golf Galaxy, or Public Lands, the ScoreRewards® Credit Card or ScoreRewards Mastercard® might be worth considering. In this guide, we’ll break down everything you need to know, from benefits and rewards to fees and application tips, to help you decide if this card is right for you.

What Are the DICK’S Sporting Goods Credit Cards?

Two Options to Choose From:

1. ScoreRewards® Credit Card: Store-only card usable at DICK’S, Golf Galaxy, and Public Lands.
2. ScoreRewards® Mastercard: A regular credit card usable anywhere Mastercard is accepted.

Benefits and Rewards

Here’s a breakdown of the rewards and perks offered by these cards:

Gold Status Benefits:

• Dedicated customer service line.
• Annual $10 reward certificate.
• “Pick Your 3X Points Day” (earn triple points on a chosen day).

Financing Options

Special Financing for Large Purchases:

• No Interest if Paid in Full: For purchases of $399 or more, financing is available for 12, 18, or 24 months.
• Important Note: Interest accrues from the purchase date and is charged if the balance isn’t fully paid by the end of the promotional period.

Who Should Use Special Financing?

• Ideal for large one-time purchases.
• Not recommended for anyone who might carry a balance past the promotional period due to deferred interest.

What Are the Costs?

Here’s what you need to know about fees and interest rates:

• Annual Fee: $0 for both cards.
• APR: Variable APR, typically high (around 32.24%).
• Late Payment Fee: Up to $41.

How to Apply for the DICK’S Credit Card

Applying is simple and can be done online or in-store.

Eligibility Requirements:

• Must be a U.S. citizen and at least 18 years old.
• Credit approval required (your credit score will play a significant role).

Steps to Apply:

1. Visit a DICK’S Sporting Goods store or their website.
2. Provide your personal and financial information.
3. Await credit approval, which is usually immediate for most applicants.

Is This Card Right for You?

Who Should Consider It:

• Regular DICK’S shoppers who can take full advantage of the 2x rewards.
• People planning large purchases who can utilize special financing.

Who Should Skip It:

• Infrequent shoppers at DICK’S or its affiliated stores.
• Those who tend to carry a balance, as the high APR can outweigh the rewards.

Alternatives to Consider

If the DICK’S credit card doesn’t seem like the right fit, here are some alternatives:

• General Cashback Cards: Earn rewards on every purchase, often with higher flexibility.
• Low-Interest Cards: Better suited for those who carry balances or want lower APRs.

Tips to Maximize Your DICK’S Credit Card Benefits

• Use It Strategically: Stick to purchases at DICK’S, Golf Galaxy, and Public Lands to maximize rewards.
• Pay Your Balance in Full: Avoid interest charges by paying your balance on time.
• Leverage Special Financing: Only use deferred financing if you’re confident you can pay it off within the promotional period.
• Pick Your 3X Points Day Wisely: Plan major shopping trips to align with this day.

Frequently Asked Questions

Can I use the ScoreRewards Credit Card outside DICK’S?

• No, the store-only card is limited to DICK’S and affiliated stores. The Mastercard version can be used anywhere Mastercard is accepted.

What happens to my points if I close the account?

• Unused points will be forfeited when you close the account.

How do I redeem my reward points?

• Points are converted into reward certificates, redeemable in-store or online at DICK’S Sporting Goods.

Final Thoughts

The DICK’S Sporting Goods credit card is a great option for loyal shoppers who frequently spend at DICK’S or its affiliated stores. The rewards program, special financing, and Gold Status perks make it appealing, but only if you avoid carrying a balance due to the high APR. Evaluate your shopping habits and financial goals before applying.