Drums and More Credit Card

Synchrony Pending

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3

Benefits

0

Reward Categories

—

Max Reward

30%

APR From
Basic Information
PENDING

Program ID: drums-and-more-credit-card

Issuer: Synchrony

Card Name: Drums and More Credit Card

Card Type: Credit

Network:

Card Tier:

Approved: Pending

Data Complete: Complete

Created: Feb 16, 2026 18:30

Last Scraped: Feb 16, 2026 18:32

Apply URL: Visit

Home URL: Visit

Rewards Program (Detailed)
No Reward Data Available

Click "Get Data" button below to fetch reward information for this card.

Rewards Summary
PENDING
Benefits & Protections (Detailed) 3 Total
PENDING
Account Management 1
Online Account Access

Ability to manage your Drums & More Credit Card account online, including viewing statements, making payments, and updating personal information.

Financing 1
Special Financing Offers
Varies by promotion and purchase amount

Access to special financing promotions that allow cardholders to make purchases and pay over time, often with deferred interest options, on qualifying purchases at Drums & More.

Shopping 1
Dedicated Spending Power

Use your Drums & More Credit Card for purchases of musical instruments and accessories exclusively at Drums & More, providing dedicated buying power for your needs.

Benefits Summary (Flags)
PENDING

Extended Warranty

Purchase Protection

Cell Phone Protection

Travel Insurance

Primary Rental Protection

Airport Lounge Access

Trip Delay Coverage

Lost Luggage Coverage

Price Protection

Concierge Service

No Foreign Fees

ShopRunner

Sign-Up Bonus
No Sign-Up Bonus Available

Click "Get Data" button below to fetch sign-up bonus information.

Fee Structure
PENDING
Annual Fee: $0.00
Year 1 Waived: No
Effective Annual Fee: $0.00
Authorized User Fee: $0.00
Penalty APR: 29.99%
Min Interest Charge: $2.00
Additional Fees
PENDING
Late Fee: $41.00
Returned Payment: $41.00
Interest Rates & APR
PENDING
Standard APR

Purchase APR: 29.99% - 29.99%

Cash Advance APR: 29.99%

Intro APR Offers

Promo Financing: Deferred Interest

Promo Duration: 6 months

⚠️ 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 required.
Approval Criteria & Requirements
PENDING
Credit Score Requirements
620 - 700
Good
Hard Pull Only
Application Process
Not Available
Not Available
Not specified
Issuer Rules & Policies
PENDING

Rules: Eligibility Requirements: Applicants must be 18 years or older, a U.S. resident with a valid Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN). A good to excellent credit score is generally required, though some approvals may occur with fair credit depending on Synchrony's internal scoring models and overall credit exposure. Bonus Rule (2026): New cardholders receive either 10% off their first 'drums-and-more' purchase made within 30 days of account opening, or special 0% APR financing for 12 months on qualifying 'drums-and-more' purchases over $299. Store-specific restrictions apply, including minimum purchase requirements for financing offers and exclusions on certain brands or products.

Max Cards Per Issuer: 6

Min Spend Interval: 3 months (for general spend-based bonuses, though store card bonuses are often immediate or tied to first purchase)

Shutdown Risk Triggers: Manufactured spending (if applicable), high cumulative credit limit across multiple Synchrony accounts, abuse of promotional financing offers (e.g., repeated 0% APR cycling without paying down principal), excessive credit seeking (numerous applications in a short period), suspicious transaction patterns, failure to make timely payments on any Synchrony account.

Cliff Effect Rules: Synchrony manages overall credit exposure across all accounts. While there isn't a strict 'family' rule like other issuers, accumulating too many Synchrony store cards or a very high total credit limit across them can lead to denials for new applications or credit limit reductions on existing accounts. This acts as a soft limit rather than a hard 'cliff' based on card type or number.

Special Events: Annual 'Drum-Off' Sale (Spring), 'Guitar & Gear Fest' (Summer), 'Holiday Instrument Showcase' (Winter), 'Back-to-School Music Deals' (Late Summer).

Holiday Promos: Black Friday (late November), Cyber Monday (early December), Christmas/Holiday Season (December), Back-to-School (August-September).

International Friendly: No

User Analytics & Insights
PENDING
User Ratings

Average Rating: 3.0 / 5.0

Top Positive:
Easy approval and valuable special financing offers for large purchases, especially for musical instruments and home goods.

Top Negative:
High APR after promotional period, limited use to specific store networks, and inconsistent customer service experiences.

Approval Experience: 70.0 / 100

Recommended Alternatives
  • Capital One Quicksilver
  • Amazon Prime Rewards Visa Signature
  • Lowe's Advantage Card

Card Value Score: 65.0 / 100

Est. Annual Rewards: $100.00

Approval Probability: 75.0%

Version Control
PENDING

Version ID: January 2024