Guitar Center Gear Card

Synchrony Pending

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11

Benefits

1

Reward Categories

5x

Max Reward

30%

APR From
Basic Information
PENDING

Program ID: guitar-center-gear-card

Issuer: Synchrony

Card Name: Guitar Center Gear Card

Card Type: Credit

Network:

Card Tier:

Approved: Pending

Data Complete: Complete

Created: Jan 10, 2026 08:52

Last Scraped: Feb 07, 2026 05:24

Apply URL: Visit

Home URL: Visit

Rewards Program (Detailed) 1 Categories
PENDING
Category Rate Type Description Annual Cap Status
Guitar Center Purchases 5x Cash Back Purchases made at Guitar Center stores, guitarcenter.com, and musiciansfriend.com No Cap
Rewards Summary
PENDING

Reward Type: Rewards

Base Rate: 0x

Bonus Rate: 5x

Categories: Purchases at Guitar Center

Quarterly Rotating: No

Expiration Policy: Rewards expire 12 months from the date they are issued.

Point Value: 0.01¢

Travel Portal Multiplier: 1x

Redemption Penalties: Rewards are only redeemable at Guitar Center. Minimum redemption amounts may apply.

Benefits & Protections (Detailed) 11 Total
PENDING
Financing 7
6-Month No Interest Special Financing
6 months no interest

No interest if paid in full within 6 months on qualifying purchases. Interest will be charged to your account from the purchase date if the promotional purchase is not paid in full within the promotional period. Minimum monthly payments required. Subject to credit approval.

12-Month No Interest Special Financing
12 months no interest

No interest if paid in full within 12 months on qualifying purchases. Interest will be charged to your account from the purchase date if the promotional purchase is not paid in full within the promotional period. Minimum monthly payments required. Subject to credit approval.

18-Month No Interest Special Financing
18 months no interest

No interest if paid in full within 18 months on qualifying purchases. Interest will be charged to your account from the purchase date if the promotional purchase is not paid in full within the promotional period. Minimum monthly payments required. Subject to credit approval.

24-Month No Interest Special Financing
24 months no interest

No interest if paid in full within 24 months on qualifying purchases. Interest will be charged to your account from the purchase date if the promotional purchase is not paid in full within the promotional period. Minimum monthly payments required. Subject to credit approval.

36-Month No Interest Special Financing
36 months no interest

No interest if paid in full within 36 months on qualifying purchases. Interest will be charged to your account from the purchase date if the promotional purchase is not paid in full within the promotional period. Minimum monthly payments required. Subject to credit approval.

48-Month No Interest Special Financing
48 months no interest

No interest if paid in full within 48 months on qualifying purchases. Interest will be charged to your account from the purchase date if the promotional purchase is not paid in full within the promotional period. Minimum monthly payments required. Subject to credit approval.

60-Month No Interest Special Financing
60 months no interest

No interest if paid in full within 60 months on qualifying purchases. Interest will be charged to your account from the purchase date if the promotional purchase is not paid in full within the promotional period. Minimum monthly payments required. Subject to credit approval.

Rewards 3
5% Back in Rewards on Qualifying Purchases
5% back

Earn 5% back in rewards on qualifying purchases made with your Guitar Center Gear Card. Rewards are issued as a $10 certificate for every $200 spent.

Rewards Redemption at Guitar Center and Musician's Friend
Redeemable at Guitar Center and Musician's Friend

Redeem earned rewards certificates at Guitar Center and Musician's Friend stores or online. Rewards certificates expire 90 days from issuance.

Annual Rewards Earning Limit
Up to $2,000 per year

A maximum of $2,000 in rewards can be earned per calendar year.

Shopping 1
Exclusive Cardholder Offers
Varies by offer

Access to exclusive cardholder offers throughout the year, providing special discounts or promotions for Guitar Center Gear Card members.

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
Min Interest Charge: $2.00
Additional Fees
PENDING
Late Fee: $41.00
Returned Payment: $41.00
Foreign Transaction: 0.00%
Interest Rates & APR
PENDING
Standard APR

Purchase APR: 29.99% - 29.99%

Cash Advance APR: 29.99%

Intro APR Offers

Promo Financing: Deferred Interest

⚠️ Interest will be charged to your account from the purchase date if the promotional purchase is not paid in full within 6 or 12 months. Minimum monthly payments required.
Approval Criteria & Requirements
PENDING
Credit Score Requirements
580 - 739
Good
Hard Pull Only
Application Process
Not Available
Not Available
Experian, Equifax, TransUnion
Issuer Rules & Policies
PENDING

Rules: Eligibility for the Guitar Center Gear Card (2026 projected rules) requires the applicant to be 18+ years old (19+ in AL/NE), a US resident with a valid SSN/ITIN, and verifiable income. Approval is subject to creditworthiness, with good to excellent credit generally required for the most favorable promotional offers. The primary bonus rule is typically deferred interest financing (e.g., 0% APR for 6, 12, 18, 24, 36, or 48 months on qualifying purchases, often with minimum spend thresholds like $199, $299, $499, etc.). It is crucial to note that if the promotional balance is not paid in full by the end of the period, interest will be retroactively applied from the purchase date. A small one-time discount on the first purchase (e.g., $20-$50 off) may also be offered as a sign-up incentive.

Max Cards Per Issuer: 6

Min Spend Interval: N/A for deferred interest promotions; if a spend-based sign-up bonus is offered, it's typically 3 months.

Shutdown Risk Triggers: High cumulative credit limit across multiple Synchrony accounts, suspected manufactured spending (less common for store cards but possible with gift card purchases), prolonged account inactivity, multiple recent applications for Synchrony products, significant adverse changes in credit profile, or defaulting on other Synchrony accounts.

Cliff Effect Rules: Synchrony does not typically enforce strict 'card family' or 'once per lifetime' rules for store cards like the Guitar Center Gear Card. However, the total credit extended across all Synchrony accounts (including other store cards) will significantly influence approval for new cards and credit limit increases. Excessive credit exposure with Synchrony can lead to denials for new applications or reductions in existing credit limits.

Special Events: Black Friday, Cyber Monday, Memorial Day, Labor Day, Back-to-School sales, specific brand launch events, Guitar Center Anniversary Sales, and other seasonal promotions. These events often feature enhanced deferred interest financing options or special discounts for cardholders.

Holiday Promos: Major US holidays including New Year's, Valentine's Day, Easter, Mother's Day, Father's Day, Memorial Day, Independence Day, Labor Day, Halloween, Black Friday, Cyber Monday, Christmas, and year-end clearance events.

International Friendly: No

User Analytics & Insights
PENDING
User Ratings

Average Rating: 2.8 / 5.0

Top Positive:
Good for financing large purchases at Guitar Center, special promotional 0% APR offers, relatively easy approval for store-specific use.

Top Negative:
High APR after promotional periods, frequent complaints about Synchrony Bank customer service, low credit limits, limited utility outside Guitar Center.

Approval Experience: 65.0 / 100

Recommended Alternatives
  • Sweetwater Card
  • Capital One QuicksilverOne Cash Rewards Credit Card
  • Amazon Prime Rewards Visa Signature Card

Card Value Score: 45.0 / 100

Est. Annual Rewards: $15.00

Approval Probability: 80.0%

Version Control
PENDING

Version ID: v1.0