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The USGA promotes and conserves the true spirit of the game of golf as embodied in its ancient and honorable traditions. It acts in the best interests of the game for.

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A golf handicap is the game's great equalizer.

Handicap 3

With a certified handicap you have a fair chance to win a net score match against a superior player. The first step to acquiring an official handicap under the United State Golf Association system is to establish a handicap index. You must establish your index at a club that’s certified to use the USGA’s handicap system.

Index

The handicap index is 'a measurement of a player's potential ability on a course of standard playing difficulty,' according to the USGA. The golfer uses the handicap index to determine his handicap at a particular course, based on the difficulty of that course.

The golfer can receive a handicap index after posting five scores, but the handicap will eventually be based on 20 rounds.

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Because a handicap is designed to measure a player’s peak ability, rather than his average play, his index is calculated by using the 10 best of his 20 most recent scores. The handicap service to which the club subscribes -- such as the USGA's GHIN service or GolfNet -- calculates the golfer's handicap index using a complex formula.

The maximum handicap index is 36.4 for a man, 40.4 for a woman. Handicap indexes are typically updated every two weeks.

Course Ratings

A player’s handicap index can be adapted to any course that has a USGA rating. Courses are rated in two ways. The course rating indicates the typical number of strokes a scratch golfer – generally meaning a zero handicap player – will take under normal conditions. Typically, courses have ratings from the high 60s to the middle 70s.

The course’s slope rating measures a course’s difficulty relative to a “bogey player” -- someone who will carry a course handicap of 20 on a course of standard difficulty.

The lowest possible slope rating, which is given to the easiest courses, is 55, while the highest is 155.

A course of average difficulty carries a slope rating of 113. For example, California's famed Pebble Beach Golf Links has a course rating of 75.5 and a slope rating of 145 from the back tees.

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Course Handicap

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A handicap index is translated into a course handicap by employing another USGA formula.

To make it easy, clubs generally post a chart – based on the course’s slope rating – that translates a player’s handicap index into her actual handicap for that particular course. The USGA also provides an online course handicap calculator.

Handicap Index Translated

If a golfer with a handicap index of 10.0 plays a course with a slope rating of 100, his course handicap is 9. The handicap goes down because the course is slightly easier than average.

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If the same golfer plays a course rated 125, however, his course handicap rises to 11. The course handicap is always expressed as a whole number.