Hibbett | City Gear ScoreRewards® Credit Card Review: Rewards, Fees & Benefits

Rewards

Reward TypePoints

Base Rate1x / 1%

Bonus RateUp to 2x

Point Value~0.03¢ each

Travel Portal1x

ExpirationPoints expire 12 months from the date they are earned.

Redemption NotesRewards are valid for 60 days from the date of issuance. Rewards are not redeemable for cash, gift cards, or previous purchases. Rewards cannot be used to pay your Hibbett | City Gear Credit Card bill. Rewards cannot be combined with other offers or discounts. Rewards are not transferable. Rewards cannot be reissued if lost or stolen. Rewards are not eligible for price adjustments. Rewards cannot be used on certain items (e.g., gift cards, previous purchases, shipping, taxes).

Category	Rate	Type	Cap
Online Shopping Purchases made at Hibbett \| City Gear stores and hibbett.com	2x	Points	No cap
All Other Purchases All purchases made everywhere else Visa is accepted, outside of Hibbett \| City Gear	1x	Points	No cap

Benefits & Protections

Benefit	Category	Value / Coverage
No Annual Fee The credit card does not charge an annual fee for card membership.	Financial	$0 annual fee Up to $0
Accelerated Rewards Points on Store Purchases Cardholders earn 2 points for every $1 spent on purchases made at Hibbett.com and CityGear.com.	Shopping	2X points per $1
Exclusive Cardholder Offers Access to exclusive promotions and discounts available only to Hibbett \| City Gear Rewards Credit Cardholders.	Shopping	Varies by offer
Rewards Certificate Redemption Cardholders receive a $10 Hibbett \| City Gear Rewards certificate for every 250 points earned.	Shopping	$10 certificate for 250 points Up to $10
Special Financing Offers Access to special financing offers on eligible purchases. Specific terms and conditions apply to each offer.	Shopping	Varies by offer
Standard Rewards Points on General Purchases Cardholders earn 1 point for every $1 spent on purchases made everywhere else Mastercard is accepted.	Shopping	1 point per $1

Interest Rates

Purchase APR29.99% Variable

Cash Advance APR29.99%

Min. Interest Charge$2

Deferred Interest Warning: If your promotional financing offer has a deferred interest feature, interest will be charged to your account from the date of purchase or the beginning of the promotional period if you do not pay the full promotional balance by the end of the promotional period.

Fees

Annual Fee $0 — No Annual Fee

Foreign Transaction FeeNone

Balance Transfer FeeNone

Cash Advance FeeEither $10 or 5% of the amount of each cash advance, whichever is greater.

Late Payment FeeUp to $41

Returned Payment FeeUp to $41

Approval & Eligibility

580 Recommended minimum FICO · Range 580–669

300 Poor580 Fair 670 Good740 Very Good 800+ Exceptional

Approval DifficultyModerate

Credit ProfileFair

Approval OddsFair

Decision TimeInstant

Issuer Rules & Restrictions

Maximum Cards per Issuer

You can hold up to 4 cards from this issuer simultaneously.

Shutdown Risk Triggers

Manufactured spending, excessive credit seeking (multiple applications across Synchrony or other issuers in a short timeframe), high cumulative credit limit across all Synchrony accounts relative to reported income, repeated late payments or defaults on any Synchrony product, abuse of return policies (especially relevant if the card has retail partner benefits), and suspected fraudulent activity.

Cliff Effect Rules

Synchrony's 'cliff effect' rules are primarily related to overall credit exposure rather than specific card family restrictions. While there isn't a direct equivalent to Chase's 5/24, Synchrony may decline new applications or reduce credit limits on existing cards if a cardholder's total credit extended by Synchrony (across all their cards) becomes too high relative to their income or credit profile. This can also manifest as difficulty getting approved for new Synchrony products after reaching a certain number of accounts or total credit limit, even if individual credit scores remain strong.

International Friendly

May have limitations for international use.

Additional Issuer Rules

Eligibility for the ScoreRewards Credit Card in 2026 is projected to require applicants to be at least 18 years old, a U.S. resident with a valid SSN or ITIN, and possess a good to excellent credit score (typically FICO 670+). Approval is subject to Synchrony's internal credit underwriting standards, which may consider existing Synchrony accounts and overall credit exposure. New applicants are generally eligible for a welcome bonus, such as 'Earn a $150 statement credit after spending $1,000 in the first 3 months of account opening.' This bonus is typically available only to new cardholders who have not had this specific product in the last 24 months. Synchrony may limit the number of new accounts opened within a short period, and approval for one Synchrony card does not guarantee approval for others.

Military & Hardship

MLA Compliant

Complies with the Military Lending Act (36% APR cap for active duty servicemembers).

Hardship Program

Hardship program available.

Hibbett | City Gear ScoreRewards® Credit Card