The Dick’s Sporting Goods Credit Card, or just the Dick’s Credit Card, gives you perks when you shop at Dick’s Sporting Goods, Golf Galaxy, and Field & Stream stores. But when you apply, you can also qualify for the Dick’s ScoreRewards Mastercard, which lets you use your credit card anywhere that accepts MasterCard. That’s a great way to stack up rewards if you find yourself shopping at Dick’s Sporting Goods frequently.

For most people, a more general cash-back rewards card will make more sense. You can find the best one for you by using the CardCruncher tool. In the meantime, read on to find out eveyrthing you need to know about the Dick’s Credit card.

Dick’s Sporting Goods Credit Card Highlights

Here are the key points of the Dick’s Credit Card:

Annual Fee: $0

APR: 23.74%

Sign-Up Bonus: Earn 3 points per dollar on your first purchase

Benefits:

  • Earn 2 points per $1 spent at Dick’s, Golf Galaxy, and Field & Stream stores
  • Earn 1 point per $3 spent elsewhere
  • Earn $10 in rewards for every 300 points earned
  • Promotional financing deals
  • Exclusive coupons and savings
  • Complimentary Pro Services

Minimum Payment:

The minimum payment will be the greater of:

  • Your total balance
  • $27 (or $38 if you have any missed or late payments in the past 6 statements)
  • The sum of:
  • All past due amounts
  • 1% of the new balance
  • Any late payment fees
  • All interest charged
  • Any payment due in connection to a promotional offer

Other Fees:

  • Up to $38 for late payments
  • 3% for foreign transactions
  • The greater of $10 or 5% for cash advances

Why Apply for the Dick’s Sporting Goods Credit Card

There are a few reasons to consider applying for the Dick’s Credit Card.

You want to save money when you shop at Dick’s store

The Dick’s Credit Card will save you money if you shop frequently at Dick’s Sporting Goods. Every time you shop at Dick’s, you’ll earn 2 points for every $1 you spend. When you earn 300 points, you’ll receive a $10 rewards voucher that you can redeem at any Dick’s store. This is an effective earning rate of 6.67%, which is high when compared to most credit cards. Cardholders also get exclusive coupons and savings opportunities, and access to special financing deals on large purchases.

You want a store credit card that works at other stores

Store credit cards are just that: Credit cards that only work at the affiliated store.

The Dick’s ScoreRewards MasterCard is different, though, as it works anywhere Mastercard is accepted. To make things even better, you can earn rewards while you shop, elsewhere. Purchases at other retailers will earn 1 point per $3 spent, helping you get closer to your next $10 reward at Dick’s.

Dick’s Sporting Goods Credit Card: Drawbacks and Downsides

There are a few downsides to keep in mind when applying for the Dick’s Credit Card.

Rewards are inflexible

The Dick’s Credit Card might offer a great rewards rate, but those rewards aren’t as flexible as flexible as what you’ll find on other credit cards. When you earn 300 points, you’ll get a voucher for $10 off your next purchase at Dick’s stores. That means you can only redeem your rewards at Dick’s Sporting Goods, Golf Galaxy or Field & Stream. Points also expire one year after you earn them, so you have to earn the full 300 points within a year to take full advantage. In most instances, you’re better off earning straight cash back.

You can get some benefits without the card

Applying for the Dick’s Credit Card isn’t the only way to access some of its perks. You can also sign up for Dick’s’ ScoreCard program. This program offers many of the discount opportunities and special sales included with the  Dick’s Credit Card. You can also earn points when you shop at Dick’s, at the rate of 1 point per $1 spent.  If you’re alright with the lower earning rate, you can just use your current credit card and sign up for the loyalty program instead. Plus, if your current card earns cash back or other rewards, you’ll still get those, too.

Dick’s Sporting Goods Credit Card Alternatives

If you’re thinking about applying for the Dick’s Credit Card, you should also consider these alternatives.

Chase Freedom Unlimited

If you’re looking to finance a large purchase without paying interest, consider the Chase Freedom Unlimited card. It offers an APR of 0% for 15 months, then 16.99% to 25.74%. So long as you pay your bill before the due date each month, you’ll pay no interest until the 0% APR period ends. As a bonus, you’ll earn 1.5% cash back on every purchase, too. You can redeem the cash back directly to your account, and if you’re shopping at Dick’s stores, you can simultaneously earn cash back and ScoreCard points if you’ve signed up for the loyalty program.

Citi Double Cash Card

If you want a credit card that offers a great cash-back rate, check out the Citi Double Cash Card. It earns 2% cash back on every purchase; you earn 1% at the time of purchase and another 1% when you pay it off. You can redeem for statement credits, or directly to your bank account. It’s a no-nonsense card with a high earning rate, and you’re still eligible to earn points at Dick’s  through the store’s loyalty program, too.

Dick’s Sporting Goods Credit Card FAQs

These are some of the other things that you should know about the Dick’s Credit Card.

You may be approved for the ScoreRewards Credit Card instead of the Score Rewards Mastercard

When you apply for the ScoreRewards Mastercard, your application may be denied. If this happens, you’ll automatically be considered for the ScoreRewards Credit Card. This card is nearly identical to the ScoreRewards Mastercard, but works only at Dick’s stores.

What complimentary pro services are available?

As a ScoreRewards Mastercard holder, you’ll receive free services from Dick’s pros, including:

  • Golf Services: Grip install, shorten shaft, lengthen shaft and standard shaft install
  • Archery Services: Arrow cutting
  • Baseball Services: Non-pro, pro-stock and customer-owned glove steaming
  • Lacrosse Services: Shooting lace, sidewall stringing, top string head, standard hard mesh restringing, standard soft mesh restringing, standard wax mesh restringing, Women’s lacrosse restring and sidewall or top string repair
  • Racquet Services: Racquet stringing
  • Bike Services: Basic bike tune-up
  • Fitness Services: Gait Analysis

Bottom Line: Should You Apply for the Dick’s Sporting Goods Credit Card?

The Dick’s Credit Card is a good choice if you shop at Dick’s regularly. While the card’s rewards are somewhat limited, you can still make out quite a bit if you spend a lot at Dick’s. The additional perks and services that come with the card easily make the card worth considering, too, if you or your family participate in any sports that require special equipment. It’s still worth your time to find the best credit card for you, so be sure to use the CardCruncher tool. It’ll match you with the card that will earn the most rewards for how you spend.

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