DICK'S Mastercard®
A no-annual-fee cash back card from Synchrony.
Rates, fees, and full terms are set by Synchrony and can change. See current rates & fees on the issuer’s site, and always confirm the latest terms before applying.
Our review
The DICK'S Mastercard was relaunched in May 2026 with one of the richest store rates in retail: 10% back in ScoreCard Rewards at DICK'S Sporting Goods, DICK'S House of Sport, Golf Galaxy, Public Lands, and Going Going Gone! Everywhere else it earns 1%, with no annual fee.
For families who buy sports gear, cleats, and golf equipment several times a year, 10% back adds up quickly. Outside DICK'S it is a 1% card, and the rewards only spend at DICK'S stores.
Think twice if: you shop at DICK'S only a couple of times a year, since the 1% elsewhere is weak and rewards stay at DICK'S.
Our 4.6 out of 10 rating
Each score weighs the rewards rate, value after the annual fee, welcome offer, points flexibility, and perks, with every point valued at a flat 1 cent. This is our editorial assessment to help you compare cards, not a guarantee of approval or of the value you will get.
Earning rates at a glance
Rewards: how it earns
You earn 10% back in ScoreCard Rewards on qualifying purchases at DICK'S family of stores and 1% back everywhere else Mastercard is accepted. On qualifying in-store purchases you can choose up to 24 months of special financing instead of the 10%. Cardholders also get automatic Gold status in the ScoreCard program.
| Category | Rate | Notes |
|---|---|---|
| Dining and restaurants | 1x | Base rate |
| Groceries | 1x | Base rate |
| Gas | 1x | Base rate |
| Travel | 1x | Base rate |
| Streaming | 1x | Base rate |
| Everything else | 1x | Everything else |
The fine print on rates: Rewards post as ScoreCard Rewards, which only spend at DICK'S and its sister stores. Choosing special financing on a DICK'S purchase replaces the 10% back on that purchase.
Every point and mile above is valued at a flat 1 cent, the same honest standard we use for every card. Run your own spending through the calculator to see what this card would actually return for you.
Best ways to earn & redeem
Use it as a flat-rate everyday card, since it earns the same on every purchase, and pair it with bonus-category cards for groceries, dining, and travel.
When you cash in, take the rewards as cash back or a statement credit, worth a flat 1 cent each. We value every point at a flat 1 cent, so treat any transfer upside as a bonus rather than the baseline — see what your points are really worth.
Pros and cons
- 10% back at DICK'S and sister stores
- $30 bonus reward after your first DICK'S purchase
- Automatic ScoreCard Gold status
- No annual fee
- Only 1% back outside DICK'S
- Rewards only spend at DICK'S stores
- Special financing replaces the 10% on that purchase
The welcome bonus
New cardholders earn a $30 bonus reward after opening the card and making their first purchase at DICK'S. It is easy to earn on a single shopping trip.
First-year value vs ongoing value
| Welcome bonus | $30 bonus reward |
| To earn it | after your first purchase at DICK'S |
| Est. first-year value* | $322 |
| Est. ongoing value / yr* | $292 |
The welcome bonus makes year one the high point: roughly $322 in value once you count the bonus, this card’s rewards, and its credits, minus the no fee. After that, the honest figure is about $292 a year, so judge whether it earns its keep on the ongoing number, not the first-year headline.
*First-year value counts the welcome bonus, estimated rewards, and annual credits, minus the annual fee; ongoing value is a typical year after. Every point at a flat 1 cent, on average spending.
Benefits and protections
Beyond the rewards, the perks and protections worth knowing about include:
- $30 bonus reward after your first purchase at DICK'S
- Automatic Gold status in the ScoreCard loyalty program
- Or choose up to 24 months of special financing on qualifying in-store purchases
Statement credits
This card does not come with recurring statement credits. Its value is in the rewards rate and welcome offer.
Who should get it, and who should skip it
Get the DICK'S Mastercard if your household spends real money on sports gear. Ten percent back at DICK'S and Golf Galaxy is one of the best returns in retail.
Use a flat 2% card like the Citi Double Cash for everything else.
Alternatives to the DICK'S Mastercard®
Pairs well with
The DICK'S Mastercard® earns a flat rate on everything, so pair it with a category card or two to earn more where you spend the most.
Frequently asked questions
Best-card guides featuring this card
Learn more
How does it rank for your spending?
Every card is ranked by what it actually returns on the way you spend. Run your numbers and see where the DICK'S Mastercard® lands.
Calculate My CardOffer details verified against issuer sources as of October 2026. Editorial opinions are our own. Cardocrat values all points at a flat 1 cent and never inflates redemptions.
