How to Apply for the DICK’S Sporting Goods Credit Card

Sports and outdoor activities are a huge part of many people’s lives. Getting quality equipment to support your favorite hobbies can get expensive.

DICK'S Sporting Goods Credit Card

That’s why many shoppers turn to the DICK’S Sporting Goods credit card to help finance gear purchases over time. But is this retail card worth getting? Let’s take an in-depth look.

Overview of the DICK’S Credit Cards

DICK’S Sporting Goods offers two different credit cards – the ScoreRewards Mastercard and the ScoreRewards card. Both cards offer rewards points and special financing on DICK’S purchases. However, there are some key differences:

ScoreRewards Mastercard

  • Can be used anywhere Mastercard is accepted
  • Earns 2 points per $1 spent at DICK’S/Golf Galaxy/Field & Stream
  • Earns 1 point per $3 spent elsewhere
  • Points can be redeemed for DICK’S rewards certificates

ScoreRewards Card

  • Can only be used at DICK’S and affiliated stores
  • Earns 2 points per $1 spent at DICK’S brands
  • Does not earn rewards for purchases outside of DICK’S

So the Mastercard version offers more flexibility and the ability to earn rewards even on non-DICK purchases.

Pros of the DICK’S Credit Cards

There are some potential benefits to signing up for a DICK’S Sporting Goods credit card, including:

  • Lucrative 6% back in rewards on all DICK’S Sporting Goods purchases; 2x points per $1 spent
  • Special 12-24 month financing offers to make large fitness equipment/golf club purchases more affordable
  • Unlock exclusive Gold status discounts and bonus points just by getting the card and making one purchase per year.

However, there are also some significant drawbacks with these retail store cards that you should be aware of.

Cons of the DICK’S Credit Cards

  • A strict $500 per month cap on redeeming rewards certificates restricts the value you can get
  • Rewards points expire 12 months after earning if not redeemed in time
  • The remaining dollar value is lost if the reward certificate exceeds the purchase amount
  • Mastercard version earns just 1 point per $3 (0.33% back) on non-DICK’S purchases, a poor “every day” earning rate
  • Risk getting hit with deferred interest charges if the full promotional purchase balance is not paid on time
  • A very steep variable APR exceeding 32% makes carrying a balance an extremely costly mistake

Alternatives to Consider

Given the restrictions and potential pitfalls of the DICK’S credit cards, you may want to consider some alternatives instead for financing sports gear.

General Cash Back Credit Cards

A flat-rate cash-back card can give you rewards for purchases both inside and outside of DICK’s without all the confusing program rules.

For example, the Wells Fargo Active Cash card offers 2% cash back on all purchases. And the Chase Freedom Flex comes with 5% cash back bonus categories each quarter in addition to 1% back on everything else.

0% Intro APR Credit Cards

Rather than risky deferred interest financing, a 0% intro APR card offers a better way to fund large gear purchases over time. You get over a year of truly interest-free financing as long as you pay at least the minimum each month. No deferred surprises!

Once the intro period ends, just pay off any remaining balance to avoid the ongoing purchase APR.

Store loyalty programs

Don’t forget to join the free ScoreCard program to earn points on DICK’s purchases no matter which payment method you use. While the credit card takes it to the next level, loyalty members still get 1 point per $1 spent. Points can be redeemed the same way for DICK’S rewards certificates.

How to Apply for the DICK’S Sporting Goods Credit Card

Ready to earn rewards on your sports gear purchases? Applying for the DICK’S Sporting Goods credit card only takes a few minutes.

You can apply online or in-store. Here’s a step-by-step guide to the application process:

Online Application

  1. Go to and click “Apply Now”
  2. Choose either the ScoreRewards Mastercard or ScoreRewards Credit Card
  3. Provide personal information like your name, address, date of birth, Social Security Number
  4. Enter your income, housing payment, and employment details
  5. Agree to terms and conditions and submit an application

You’ll get a decision within seconds in most cases. If approved, you can begin using your new card immediately both online and in DICK’s stores worldwide.

In-Store Application

  1. Ask a sales associate for a credit card application
  2. Fill out the form with your personal and financial information
  3. Get an instant decision and temporary card to use right away if approved
  4. Receive permanent card within 7-10 business days in the mail

Join over 15 million ScoreCard members and start earning rewards today!

How to Log In to Your DICK’S Sporting Goods Credit Card Account

Want to check your balance, available credit, past statements, and more for your DICK’S credit card? You can easily access your account details online.

Here are simple steps to log in to your credit card account:

  • Go to
  • Click “Log In to My Account”
  • Enter your username and password
  • Click the “Credit Card” link at the top of the page

This will bring you to your full credit card account dashboard. Here you can:

  • View your current balance and available credit
  • See recent charges and payments
  • Access past statements going back 24 months
  • Make a Payment
  • Set up alerts
  • Update personal info
  • Contact customer service

Manage your DICK’S credit card completely online! Log in anytime to stay on top of your spending.

How to Make a Payment on Your DICK’S Credit Card

Don’t let high-interest charges pile up! Be sure to pay at least the minimum amount due on your DICK’S credit card by the payment due date each month. But ideally, try to pay your balance off in full.

You have a few options to make DICK’S credit card payments:


  1. Log in to your account at
  2. Click on “Make a Payment”
  3. Enter the payment amount and details
  4. Submit payment

By Phone

  1. Call the number on the back of your card (1-866-837-0650)
  2. Follow prompts to enter payment info
  3. Confirm payment details
  4. Get a confirmation number

By Mail

  1. Write the account number on the check
  2. Make check payable to DICK’S Sporting Goods
  3. Send payment at least 5 days before the due date to ensure on-time arrival

Avoid late fees and credit damage by staying on top of monthly payments! Set payment reminders and enroll in autopay for convenience.


The bottom line is that the DICK’S Sporting Goods credit card can offer nice rewards value IF:

  • You frequently shop at DICK’s/Golf Galaxy/Field & Stream
  • You promptly pay off special financing purchases
  • You avoid high-interest charges by paying statement balances in full

However, redemption limits, confusing terms, and costly interest make this store card hard to fully endorse compared to other credit card options.

So you have to approach with caution and weigh whether it aligns with your spending and payment habits before applying. Consider alternatives that might better suit your needs instead.

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