Does Dick Sporting Goods Store Have Financing

Yes, Dick’s Sporting Goods does offer financing through its private-label credit card. This allows shoppers to make large purchases—like treadmills, golf clubs, or team sports equipment—and pay over time with promotional interest-free periods. Approval is quick, and the card can be used both in-store and online.

Key Takeaways

• Financing is available via the Dick’s Sporting Goods Credit Card: Issued by Synchrony Bank, this card offers special financing on qualifying purchases.
• Promotional financing periods range from 6 to 36 months: Depending on the purchase amount, you may qualify for 0% interest if paid in full within the promotional period.
• No annual fee and instant credit decisions: Applying takes just minutes, and you’ll know if you’re approved right away.
• Use the card at over 800 Dick’s locations and online: It’s accepted at Dick’s Sporting Goods, Golf Galaxy, and other affiliated stores.
• Payments can be made online, by phone, or by mail: Flexible payment options make it easy to manage your balance.
• Building credit is possible with responsible use: Timely payments are reported to major credit bureaus, helping improve your credit score.
• Watch out for deferred interest: If you don’t pay off the balance during the promo period, interest may be charged from the purchase date.

Quick Answers to Common Questions

Does Dick’s Sporting Goods offer financing?

Yes, Dick’s Sporting Goods offers financing through its private-label credit card issued by Synchrony Bank, which provides promotional 0% interest plans on qualifying purchases.

What is the minimum purchase for financing at Dick’s?

Most financing offers require a minimum purchase of $149 or more, with higher-tier plans (like 24–36 months) requiring $999 or more.

Can I use the Dick’s card online?

Yes, the Dick’s Sporting Goods Credit Card can be used both in-store and online at dickssportinggoods.com and other affiliated websites.

Is there an annual fee for the Dick’s credit card?

No, the Dick’s Sporting Goods Credit Card has no annual fee, making it a cost-effective option for occasional use.

What happens if I don’t pay off the balance during the promo period?

If you don’t pay the full balance by the end of the promotional period, deferred interest may be charged from the original purchase date, increasing your total cost.

Does Dick’s Sporting Goods Store Have Financing?

If you’ve ever walked into a Dick’s Sporting Goods store and fallen in love with a high-end treadmill, a full set of golf clubs, or a complete home gym setup, you’ve probably wondered: “Can I afford this right now?” The good news is, Dick’s Sporting Goods does offer financing options to help make big-ticket sporting goods more accessible. Whether you’re gearing up for a new fitness routine, upgrading your golf game, or shopping for your kids’ sports season, financing can ease the financial burden.

Unlike some retailers that partner with third-party “buy now, pay later” services like Klarna or Afterpay, Dick’s Sporting Goods primarily offers financing through its own private-label credit card. This card, issued by Synchrony Bank, is designed specifically for use at Dick’s and its affiliated brands. It provides special promotional financing on qualifying purchases, allowing you to spread out payments over time—often with 0% interest if you pay within a set period.

This guide will walk you through everything you need to know about financing at Dick’s Sporting Goods. We’ll cover how the credit card works, the types of financing offers available, how to apply, tips for using it wisely, and what to watch out for. By the end, you’ll have a clear picture of whether this financing option is right for your next sporting goods purchase.

How Does Financing Work at Dick’s Sporting Goods?

Financing at Dick’s Sporting Goods is handled exclusively through the Dick’s Sporting Goods Credit Card, which is managed by Synchrony Bank. This is a store-branded credit card, meaning it can only be used at Dick’s Sporting Goods, Golf Galaxy, and other participating retailers in the Dick’s family. It’s not a general-purpose credit card like Visa or Mastercard, but it comes with benefits tailored to sports and outdoor enthusiasts.

When you make a qualifying purchase—typically $149 or more—you may be eligible for special financing offers. These promotions allow you to pay for your item over a set period (such as 6, 12, 18, or even 36 months) with little or no interest, provided you meet the terms. For example, if you buy a $1,200 elliptical machine and qualify for 12-month financing at 0% interest, you’d pay $100 per month for a year with no extra charges—as long as you pay it off on time.

It’s important to understand that these financing offers are promotional. That means the 0% interest is not permanent. If you don’t pay off the full balance by the end of the promotional period, you could be charged deferred interest. This means interest is calculated from the original purchase date and added to your balance—even if you’ve been making payments. So, while the financing can be a great tool, it requires discipline and planning.

Types of Financing Offers

Dick’s Sporting Goods regularly updates its financing promotions, but here are some common offers you might see:

• 6 months special financing on purchases of $149 or more: Ideal for smaller upgrades like a new pair of running shoes, a basketball hoop, or a fitness tracker.
• 12 months special financing on purchases of $299 or more: Great for mid-range items like a quality bicycle, a home gym bench, or a set of golf clubs.
• 18 months special financing on purchases of $399 or more: Suitable for larger purchases such as a treadmill, a kayak, or a complete camping setup.
• 24 to 36 months special financing on purchases of $999 or more: Designed for high-end gear like premium exercise equipment, full golf club sets, or outdoor adventure packages.

These offers are often advertised in-store, on the Dick’s website, and during seasonal sales events like Black Friday or back-to-school promotions. The exact terms may vary, so always check the current financing details at checkout or on the Dick’s credit card page.

How to Qualify for Financing

To use financing at Dick’s Sporting Goods, you’ll need to apply for and be approved for the Dick’s Sporting Goods Credit Card. The application process is quick and can be done online, in-store, or over the phone. Here’s what you need to know:

• Eligibility: You must be at least 18 years old, a U.S. resident, and have a valid Social Security number. A stable income and decent credit history improve your chances of approval.
• Instant Decision: Most applicants receive a credit decision within minutes. If approved, you can start using your card immediately—even in-store on the same day.
• Credit Limit: Your credit limit will depend on your creditworthiness. Higher limits are often granted to those with stronger credit profiles, which can help with larger purchases.
• No Annual Fee: One of the perks of the Dick’s card is that there’s no annual fee, making it a cost-effective option for occasional use.

Once approved, you can use your card for future purchases, earn rewards, and take advantage of exclusive cardholder discounts and early access to sales.

Applying for the Dick’s Sporting Goods Credit Card

Applying for the Dick’s Sporting Goods Credit Card is straightforward and can be completed in just a few minutes. Whether you’re shopping online or in-store, the process is designed to be user-friendly and accessible.

Online Application

To apply online, visit the official Dick’s Sporting Goods website and navigate to the “Credit Card” section, usually found in the footer or under “Customer Service.” Click on “Apply Now” and fill out the secure application form. You’ll need to provide personal information such as your name, address, date of birth, Social Security number, and income details. Synchrony Bank will perform a soft credit check (which doesn’t affect your credit score) to determine your eligibility.

Within seconds, you’ll receive a decision. If approved, you’ll get a temporary card number that can be used immediately for online purchases. A physical card will arrive in the mail within 7–10 business days.

In-Store Application

If you’re at a Dick’s Sporting Goods location, you can apply at any register or customer service desk. A store associate can assist you with the application using a tablet or computer. The process is the same as online—just faster if you’re already shopping. Once approved, you can use your new account right away to pay for your purchase and activate the financing offer.

What to Expect After Approval

After approval, you’ll receive a welcome email and your physical card in the mail. You’ll also gain access to an online account where you can manage payments, view statements, and track your rewards. Dick’s often sends special offers and financing promotions exclusively to cardholders, so it pays to stay engaged.

It’s also worth noting that the Dick’s card uses a revolving credit line. This means you can carry a balance from month to month (subject to interest), but you’re not required to pay it off immediately unless you’re taking advantage of a 0% interest promotion.

Using the Dick’s Credit Card: Tips and Best Practices

While the Dick’s Sporting Goods Credit Card can be a helpful financial tool, it’s important to use it responsibly to avoid debt and credit damage. Here are some practical tips to get the most out of your card without falling into financial pitfalls.

Pay on Time, Every Time

Late payments can result in fees, increased interest rates, and negative marks on your credit report. Set up automatic payments or calendar reminders to ensure you never miss a due date. Even one late payment can disqualify you from future promotional financing offers.

Understand Deferred Interest

This is the biggest trap with store credit cards. If you don’t pay off the full balance during the promotional period, deferred interest may be charged retroactively. For example, if you have a $1,000 purchase with 12-month 0% financing and only pay $900 by the deadline, you could be charged interest on the full $1,000—not just the remaining $100.

To avoid this, always aim to pay more than the minimum and track your progress. Use the online portal to see how much you’ve paid and how much time is left.

Use the Card Strategically

The Dick’s card is best used for planned, necessary purchases—not impulse buys. If you’re eyeing a new bike or home gym, wait for a sale and apply for the card to take advantage of financing. But avoid using it for small, everyday items like socks or water bottles, as those won’t qualify for promotional financing and will accrue interest immediately.

Monitor Your Credit Utilization

Even though the Dick’s card is store-specific, it still reports to credit bureaus. Keeping your balance low relative to your credit limit (ideally under 30%) can help improve your credit score. Maxing out the card or carrying a high balance can hurt your credit.

Take Advantage of Rewards

The Dick’s card offers rewards in the form of “Dick’s Dollars.” For every $250 spent, you earn $10 in Dick’s Dollars, which can be used like cash on future purchases. This is essentially a 4% rebate, which adds up over time—especially if you’re a frequent shopper.

Alternatives to Dick’s Financing

While the Dick’s Sporting Goods Credit Card is the primary financing option, it’s not the only way to pay for your gear over time. Depending on your needs and credit situation, you might consider these alternatives:

Buy Now, Pay Later (BNPL) Services

Some online retailers partner with services like Klarna, Afterpay, or Zip (formerly QuadPay). These allow you to split your purchase into 4 interest-free payments over 6 weeks. However, as of now, Dick’s Sporting Goods does not officially support BNPL at checkout. You may be able to use a third-party app like Klarna to pay via a virtual card, but this is not guaranteed and may not qualify for Dick’s promotions.

General-Purpose Credit Cards

If you already have a credit card with a 0% introductory APR offer (common on cards from Chase, Citi, or Capital One), you might consider using that instead. These cards often offer 12–18 months of 0% interest on purchases and can be used anywhere—not just at Dick’s. Just be sure to compare terms, as some general cards have higher ongoing interest rates after the promo period.

Personal Loans

For very large purchases (like a $5,000 home gym), a personal loan from a bank or credit union might offer lower interest rates and fixed monthly payments. These loans don’t have deferred interest risks and can be used for any purpose. However, they require a more formal application process and may take longer to approve.

Store Layaway (When Available)

In the past, Dick’s offered a layaway program, allowing customers to reserve items and pay over time without interest. While this option is currently paused, it may return during peak seasons like holidays. Keep an eye on the website or ask in-store during back-to-school or winter holidays.

Frequently Asked Questions About Dick’s Financing

Many shoppers have similar questions about how financing works at Dick’s Sporting Goods. Here are some of the most common concerns—and clear, straightforward answers.

Can I use the Dick’s card at other stores?

No, the Dick’s Sporting Goods Credit Card can only be used at Dick’s Sporting Goods, Golf Galaxy, and other participating retailers in the Dick’s family. It is not accepted at general retailers like Walmart or Target.

What happens if I miss a payment?

Missing a payment can result in late fees (up to $40), increased interest rates, and a negative impact on your credit score. It may also disqualify you from future promotional financing offers. Contact Synchrony Bank immediately if you’re unable to pay—they may offer a payment plan.

Can I pay off my balance early?

Yes, you can pay off your balance in full at any time without penalty. In fact, paying early is the best way to avoid deferred interest and save money.

Is there a minimum purchase for financing?

Yes, most promotional financing offers require a minimum purchase of $149 or more. Higher-tier offers (like 24 or 36 months) require purchases of $999 or more.

Does applying for the card hurt my credit?

The initial application involves a soft credit check, which does not affect your credit score. However, if you’re approved and the account is opened, a hard inquiry will appear on your credit report and may slightly lower your score temporarily.

Conclusion: Is Dick’s Sporting Goods Financing Right for You?

So, does Dick’s Sporting Goods store have financing? Absolutely. Through its Synchrony Bank-issued credit card, Dick’s offers flexible, promotional financing that can make high-cost sporting goods more affordable. Whether you’re buying a new set of golf clubs, a treadmill, or gear for your kids’ sports team, the ability to pay over time—often with 0% interest—can be a game-changer.

However, like any financial tool, it comes with responsibilities. The deferred interest structure means that failing to pay off your balance on time could cost you significantly. That’s why it’s crucial to only use financing for planned purchases, set up payment reminders, and aim to pay more than the minimum each month.

For disciplined shoppers, the Dick’s Sporting Goods Credit Card is a valuable resource. It offers convenience, rewards, and access to exclusive deals—all while helping you build credit. But if you’re prone to overspending or unsure about your ability to pay on time, it may be wiser to save up or explore alternative payment methods.

Ultimately, financing at Dick’s Sporting Goods is not just about buying gear—it’s about investing in your health, hobbies, and family activities. When used wisely, it can help you enjoy the sports and outdoor adventures you love, without breaking the bank.

Frequently Asked Questions

How do I apply for the Dick’s Sporting Goods Credit Card?

You can apply online at the Dick’s website, in-store at any register, or over the phone. The process takes just a few minutes and provides an instant decision.

Can I use the Dick’s card at Golf Galaxy?

Yes, the Dick’s Sporting Goods Credit Card is accepted at Golf Galaxy, Dick’s, and other participating retailers in the Dick’s family of stores.

Does the Dick’s card help build credit?

Yes, the card reports your payment history to major credit bureaus, so responsible use—like paying on time and keeping balances low—can help improve your credit score.

Are there rewards with the Dick’s credit card?

Yes, cardholders earn Dick’s Dollars—$10 for every $250 spent—which can be used like cash on future purchases.

Can I pay my Dick’s credit card bill online?

Yes, you can make payments online through the Synchrony Bank portal, by phone, or by mailing a check.

Is financing available for all products at Dick’s?

Financing is available on most items, but promotional offers typically apply only to purchases of $149 or more. Some exclusions may apply.