Abstract: Disclosed are a system, method and apparatus for implementing a sports-based reward program. In one embodiment, a server provides future sporting event information, pre-game questions, and in-game questions to users over a wide-area network. The users provide predictions to the pre-game and in-game questions for one or more selected sporting events. The server tracks the predictions to determine whether they actually occur during the selected sporting event(s), and provides a credit to each user who makes accurate predictions. Users may then purchase goods and services using the credits.