ScoreRewards® Mastercard® Review: Rewards, Fees & Benefits

Rewards

Reward TypePoints

Base Rate2x / 2%

Bonus RateUp to 5x

Point Value~0.01¢ each

ExpirationScoreRewards expire 12 months from the date they are issued.

Category	Rate	Type	Cap
Online Shopping Purchases made at Hibbett \| City Gear stores or online.	2x	Points	No cap
All Other Purchases All purchases made everywhere Mastercard is accepted, excluding Hibbett \| City Gear purchases.	1x	Points	No cap

Benefits & Protections

Concierge Service

Benefit	Category	Value / Coverage
No Annual Fee The Hibbett \| City Gear Rewards Credit Card does not charge an annual fee for card membership.	Financial	$0 annual fee Up to $0
Special Financing Offers Access to special financing offers on qualifying purchases made with the Hibbett \| City Gear Rewards Credit Card. Specific terms and availability of offers may vary.	Financing	Varies by offer
Accelerated Rewards Earning Earn 2 points for every $1 spent on all purchases made with the Hibbett \| City Gear Rewards Credit Card, both at Hibbett \| City Gear and elsewhere.	Rewards	2X points per $1 spent
Reward Redemption Receive a $10 Hibbett \| City Gear Reward for every 250 points earned. Rewards are redeemable towards purchases at Hibbett.com or in-store.	Rewards	$10 Reward for 250 points Up to $10
Exclusive Cardholder Offers Receive exclusive discounts, promotions, and special offers available only to Hibbett \| City Gear Rewards Credit Cardholders.	Shopping	Varies by offer

Interest Rates

Purchase APR21.24%–31.24% Variable

Balance Transfer APR31.24%

Cash Advance APR31.24%

Penalty APR29.99%

Min. Interest Charge$2

Deferred Interest Warning: Interest will be charged to your account from the purchase date if the promotional balance is not paid in full within 6 or 12 months. Minimum monthly payments are required. See your credit card account agreement for more details.

Fees

Annual Fee $0 — No Annual Fee

Foreign Transaction FeeNone

Balance Transfer FeeEither $10 or 5% of the amount of each balance transfer, whichever is greater.

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 580–739

300 Poor580 Fair 670 Good740 Very Good 800+ Exceptional

Approval DifficultyModerate

Credit ProfileFair

Approval OddsGood

Decision TimeInstant

Pre-QualificationNot available

Co-ApplicantNot allowed

Business EligibleNo

Issuer Rules & Restrictions

Maximum Cards per Issuer

You can hold up to 6 cards from this issuer simultaneously.

Shutdown Risk Triggers

Manufactured spending, excessive credit seeking (e.g., 3+ new Synchrony accounts within 6 months, or 5+ new accounts across all issuers within 12 months), high cumulative credit limit across all Synchrony accounts relative to reported income, suspicious spending patterns, repeated late payments, defaulting on other Synchrony products, or significant changes in credit profile.

Cliff Effect Rules

Synchrony does not typically enforce strict 'card family' or 'once-per-lifetime' bonus rules like some other major issuers. Approval for new cards, including the ScoreRewards Mastercard, is primarily based on overall creditworthiness, total credit exposure with Synchrony, and recent application velocity rather than specific card family restrictions. However, exceeding a certain number of recent applications (e.g., 2-3 new Synchrony accounts in 6 months) can trigger denials.

International Friendly

May have limitations for international use.

Additional Issuer Rules

For 2026, Synchrony's ScoreRewards Mastercard is expected to maintain its general-purpose credit card status, often co-branded with specific financial institutions. Eligibility typically requires a good to excellent credit score (FICO 670+) for approval, reflecting its nature as a rewards-based Mastercard. Synchrony may consider applicants with lower scores if they have a strong existing relationship or limited credit history, but approval is not guaranteed. Applicants must be 18+ years old and a US resident. New cardholders are projected to receive a sign-up bonus, such as a $100 statement credit after spending $500 within the first 3 months of account opening. Synchrony generally allows multiple credit card approvals, but a soft cap of 2 new Synchrony cards within a a 6-month period is often observed. Total credit exposure across all Synchrony accounts is a significant factor in new approvals and credit limit increases. Synchrony is known for its dynamic underwriting, which can lead to varying approval outcomes based on real-time credit profile and existing Synchrony relationships.

Military & Hardship

MLA Compliant

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

Hardship Program

Hardship program available.

ScoreRewards® Mastercard®