The Synchrony ScoreRewards Credit Card is best suited for loyal customers of Dick's Sporting Goods stores, offering 2 points per dollar on qualifying purchases at these stores. However, the lack of flexibility in redemption and the high APR over 30% can be drawbacks.
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There's no annual fee, but users should be aware of limitations when shopping outside the Dick's network.
By Harlon Drosghic Apr 2026
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Synchrony ScoreRewards Credit Card
Synchrony
- Annual Fee
- Free
- Points Program
- ScoreCard
- Minimum Income
- —
Score by category
Rewards
★★★★★ 2.5/5
Score by category
Rewards
Points & Miles ★★★★★ 1.7/5
- Earn Rate 2.0
- Redemption Value 3.5
- Points Expiration 2.5
Cashback ★★★★★ 1.1/5
- Caps & Limits 2.0
- Redemption Ease 2.5
- Redemption Flexibility 2.0
Credit Building ★★★★★ 2.9/5
- Upgrade Path 2.5
- Credit Bureau Reporting 3.0
- Educational Tools 2.0
- Credit Limit Growth 3.0
- Approval Accessibility 3.5
Lower Fees ★★★★★ 2.8/5
- Annual Fee Value 5.0
- Cost Transparency 3.5
- Penalty Friendliness 2.5
- Foreign Transaction Fee 2.0
Purchase Perks ★★★★★ 2.4/5
- Extended Warranty 2.0
- Installment Perks 2.5
- Merchant Discounts 3.0
- Everyday Usefulness 2.5
- Purchase Protection 2.0
Travel Perks ★★★★★ 0.3/5
- No Foreign Tx Fees 2.0
Score by category
User Experience
★★★★★ 2.9/5
Score by category
User Experience
App / Experience ★★★★★ 3.1/5
- Ease of Navigation 3.0
- Self-Service 3.0
- Billing Clarity 4.0
- Feature Quality 3.0
- App Speed & Stability 3.0
Support Quality ★★★★★ 2.3/5
- Response Time 2.0
- Channel Availability 2.5
- Agent Professionalism 2.5
- First-Contact Resolution 2.0
- Resolution Effectiveness 2.5
Transparency ★★★★★ 3.0/5
- Terms Simplicity 3.0
- Billing Transparency 3.0
- Fee & Interest Clarity 3.5
- Charge Predictability 3.0
- Communication Clarity 2.0
Security & Control ★★★★★ 3.1/5
- Card Control Features 3.5
- Fraud Protection 4.0
- Virtual Card Experience 2.0
- Incident Resolution 2.5
- Real-Time Monitoring 3.0
Benefits Usability ★★★★★ 2.6/5
- Ease of Earning 2.5
- Ease of Tracking 2.5
- Real-World Value 2.5
- Rules Simplicity 3.0
- Ease of Redeeming 2.5
Pros & Cons Synchrony ScoreRewards Credit Card
Pros
- ✓No annual fee
- ✓2x points at Dick's Sporting Goods
- ✓Special financing offers
- ✓Reports to major credit bureaus
Cons
- ✗High APR at 30.49%
- ✗Limited use outside Dick's network
- ✗No lucrative signup bonus
- ✗Points have redemption constraints
Expert Analysis
AI Analysis
Citocred AI
The Synchrony ScoreRewards Credit Card is best suited for loyal customers of Dick's Sporting Goods stores, offering 2 points per dollar on qualifying purchases at these stores. However, the lack of flexibility in
Full analysis
redemption and the high APR over 30% can be drawbacks. There's no annual fee, but users should be aware of limitations when shopping outside the Dick's network.
Best for
loyal customers of Dick's Sporting Goods
Avoid if
frequent travelers
AI-generated analysis · Methodology by Harlon Drosghic
loyal customers of Dick's Sporting Goods
frequent travelers
Frequently Asked Questions
Synchrony ScoreRewards Credit Card
Does the Synchrony ScoreRewards Credit Card have a rewards program?
Does the Synchrony ScoreRewards Credit Card include airport lounge access?
Does the Synchrony ScoreRewards Credit Card include travel insurance?
Who should get the Synchrony ScoreRewards Credit Card?
Is the Synchrony ScoreRewards Credit Card worth it?
The Synchrony ScoreRewards Credit Card provides a set of benefits designed to add genuine value to your financial routine:
Points Program
ScoreCard
Contactless Payment
Virtual Card
International Acceptance
See 9 benefits not included in this card
- Cashback See which cards include this benefit →
- Miles Program See which cards include this benefit →
- Lounge Access See which cards include this benefit →
- Travel Insurance See which cards include this benefit →
- Purchase Protection See which cards include this benefit →
- Extended Warranty See which cards include this benefit →
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Features — Detalhes
Fees
Rewards
Premium
Digital
Additional Benefits
- • Instant ScoreCard Gold Status
- • Exclusive member-only offers
- • Special financing options
How We Rate Cards
Every card on Citocred is independently scored by our AI research team across six dimensions: fee value, rewards program, interest rates, digital experience, customer support quality, and overall value. Scores are derived from publicly available issuer data, cross-referenced and updated periodically.
We maintain full editorial independence — no issuer pays for ranking position. 'Apply' links may include affiliate referrals that support our free content. This never influences our editorial scores or assessments.
Read our full methodology →
Founder of Citocred · MBA in Finance (PUC Minas) · Creator of the proprietary card scoring methodology · 5+ years in programmatic media and financial content marketing.