| Rewards | 2X points per $1 spent at Dick’s Sporting Goods brands 1 point per $3 spent elsewhere (Mastercard version) 300 points = $10 reward certificate |
|---|---|
| Signup Bonus | $30 bonus reward after opening and making a purchase |
| Annual Fee | $0. |
| Cardmember Agreement | View Here |
| Cash Advance APR | 29.99% variable APR |
| Cash Advance Fee | Either $10 or 5% of the amount, whichever is greater. |
| Late Payment Fee | The late payment fee can be up to $41. |
| Purchases APR | Around 30.49% – 30.74% variable APR (no intro 0% APR) |
| * Card terms and offers are subject to change. Confirm current details with the issuer. | |
The Dick’s Sporting Goods Credit Card stands out as a store-focused rewards card with no annual fee, a modest $30 signup bonus, and strong in-store earning (about 2X points at Dick’s, redeemable as reward certificates).
Most users say they like the generous rewards when shopping at Dick’s, especially frequent buyers of sports gear. Many reviewers mentioned the easy rewards system and occasional special financing offers on big purchases as real perks.
On the flip side, many users complain about the very high APR, which can make carrying a balance expensive. Others point out that rewards are limited to store certificates, not flexible cash back, and the earning rate outside the store is weak. Customer service and credit limit issues also come up in some reviews.
Personally, I think this card works best for loyal Dick’s shoppers who pay off their balance in full and want extra perks on gear purchases. But if you want flexible rewards or plan to carry a balance, there are much better options out there.
Every time I buy sneakers, sportswear, or equipment, the rewards add up quickly. Checkout at the store is simple, and I like that it feels tailored to my active lifestyle.
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