If you’re thinking about applying for a Dick’s Sporting Goods credit card, there are two options to choose from: the ScoreRewards Credit Card and the ScoreRewards Mastercard. Both offer rewards on purchases made at Dick’s Sporting Goods, Golf Galaxy, and Field & Stream, with the Mastercard version also accepted anywhere Mastercard is used.
These cards can be a good choice for frequent shoppers looking to earn points on their purchases. Before applying, it’s important to know the credit score requirements and what factors can impact your chances of approval.
Credit Score Requirements for a Dick’s Sporting Goods Credit Card
To qualify for a Dick’s Sporting Goods credit card, a good to excellent credit score is typically recommended. While the issuer doesn’t specify a minimum requirement, applicants with a credit score of 700 or higher have the best chance of approval.
The ScoreRewards Credit Card is a store-only card, meaning it can only be used at Dick’s Sporting Goods, Golf Galaxy, and Field & Stream. Retail credit cards like this one sometimes have slightly more flexible approval criteria than general-use credit cards. The ScoreRewards Mastercard, on the other hand, can be used anywhere Mastercard is accepted, which means it may require a stronger credit profile for approval.
In addition to credit score, lenders also consider factors like income, debt-to-income ratio, and recent credit inquiries. If your score is below 700, you may still get approved if you have a solid payment history and a low level of existing debt.
ScoreRewards® Credit Card
The ScoreRewards® Credit Card is designed for customers who primarily shop at Dick’s Sporting Goods, Golf Galaxy, and Field & Stream. With this card, you can earn rewards points on your purchases, which can be redeemed for discounts on future transactions. Additionally, the card offers exclusive promotions and deals for cardholders, enhancing your shopping experience.
ScoreRewards® Mastercard®
The ScoreRewards® Mastercard® offers the same benefits as the ScoreRewards® Credit Card, with the added advantage of being accepted anywhere Mastercard® is accepted. This means you can earn rewards points on purchases made outside of Dick’s Sporting Goods, Golf Galaxy, and Field & Stream. The ScoreRewards® Mastercard® also comes with added perks, such as extended warranty coverage and price protection on eligible purchases.
To maximize your chances of approval for either of these cards, focus on maintaining a good to excellent credit score, which will demonstrate to lenders that you can manage credit responsibly and are likely to make timely payments.
Steps to Enhance Your Approval Odds for the Dick’s Sporting Goods Credit Card
To increase your chances of being approved for the Dick’s Sporting Goods Credit Card, follow these practical tips that differ from the previous article:
1. Diversify Your Credit Mix
Your credit mix refers to the different types of credit accounts you have, such as credit cards, auto loans, and mortgages. A diverse credit mix shows lenders that you can handle various credit types responsibly. If your credit mix is limited, consider adding a different type of credit account to your profile, but do so cautiously and only if it fits your financial needs.
2. Build a Longer Credit History
A longer credit history demonstrates your ability to manage credit over time. Keep your oldest credit accounts open and active, as closing them can shorten your credit history and negatively impact your credit score. If you’re new to credit, consider applying for a secured credit card or becoming an authorized user on a family member’s account to build credit history.
3. Stay Current on All Payments
Your payment history makes up a significant portion of your credit score. To maintain or improve your credit score, pay all your bills on time, including credit cards, loans, utilities, and rent. Setting up automatic payments or payment reminders can help you avoid late payments and their negative consequences.
4. Monitor Your Credit Regularly
Regularly monitoring your credit can help you identify potential issues and address them promptly. Sign up for free credit monitoring services or use free credit score tools to keep an eye on your credit score and report. By staying informed, you can take proactive steps to maintain or improve your credit standing.
Consider Working With a Credit Repair Company
If you need help improving your credit score, a credit repair company can assist with disputing inaccuracies, negotiating with creditors, and creating a plan to strengthen your credit profile. These services can be useful if your credit report contains errors or negative items that are holding you back.
Credit Saint has helped many clients remove inaccurate negative marks, including late payments, collections, charge-offs, foreclosures, repossessions, and bankruptcies. Working with a professional service can improve your chances of qualifying for the Dick’s Sporting Goods Credit Card or other financial products. Visit their website for a free credit consultation to see what steps you can take.
