Guitar Center Gear Card
Basic Information
Program ID: guitar-center-gear-card
Issuer: Synchrony
Card Type: Credit
Network:
Card Tier: Standard
Data Complete: Yes
Created: 01/10/2026 08:52
Last Scraped: 01/15/2026 09:17
Fee Structure
| Annual Fee: | $0.00 |
| Year 1 Waived: | No |
| Effective Annual Fee: | $0.00 |
| Authorized User Fee: | $0.00 |
| Penalty APR: | 30.00% |
Additional Fees
| Late Fee: | $40.00 |
| Returned Payment: | $40.00 |
| Balance Transfer: | N/A |
| Cash Advance: | N/A |
| Foreign Transaction: | 0.00% |
Interest Rates
Purchase APR Range: 2,999.00% - 3,199.00%
Intro Purchase APR: 0.00%
Intro APR Duration: 0 months
Balance Transfer APR: 0.00%
Intro BT APR: 0.00%
Intro BT Duration: 0 months
Cash Advance APR: 3,299.00%
Sign-Up Bonus
Bonus Amount: $50.00
Spending Requirement: $250.00
Time Period: 30 days
Bonus Timing: The $50 statement credit is typically applied to your account within 1-2 billing cycles after the qualifying purchase posts.
Rewards Program
Reward Type: No Traditional Rewards
Base Reward Rate: 0.00%
Bonus Reward Rate: 0.00%
Bonus Categories: N/A - The Guitar Center Gear Card primarily offers special financing promotions on Guitar Center purchases, not a traditional points or cashback rewards program.
Point Value Estimate: 0.0000 cents/point
Expiration Policy: N/A - There are no points or cashback rewards to expire with this card.
Transfer Partners: N/A - No transfer partners available.
Card Benefits
Protection Benefits
- Extended Warranty
- Purchase Protection
- Cell Phone Protection
- Price Protection
Travel Benefits
- Travel Insurance
- Primary Rental Protection
- Trip Delay Coverage
- Lost Luggage Coverage
- No Foreign Transaction Fees
Premium Benefits
- Airport Lounge Access
- Concierge Service
Approval Criteria
Recommended FICO Range: 670 - 740
Approval Odds Category: Good
Pre-qualification Available
Soft Pull Supported
Hard Pull Bureau: Experian, TransUnion, Equifax
Issuer Rules
Rules: The Guitar Center Gear Card primarily offers deferred interest promotional financing on qualifying purchases made at Guitar Center and Musician's Friend. Typical offers include 0% APR for various periods (e.g., 6, 12, 18, 24, 36, or 48 months) on purchases exceeding a specified minimum amount. Interest is deferred but will be retroactively applied from the purchase date if the promotional balance is not paid in full by the end of the promotional period. There is no traditional sign-up bonus. Eligibility requirements for 2026 include being a U.S. resident, at least 18 years of age, possessing a valid Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN), having a verifiable source of income, and not currently being in default on any existing Synchrony accounts. Applicants generally need a fair to good credit score, though Synchrony may approve applicants with lower scores for store-specific cards.
Maximum Cards Per Issuer: 6
Minimum Spend Interval: N/A for traditional sign-up bonus; promotional financing terms apply per qualifying purchase.
Shutdown Risk Triggers: High cumulative credit limit across all Synchrony accounts, missed payments, going over credit limit, defaulting on other Synchrony accounts, suspicious activity, rapid application for multiple credit lines within a short period, significant changes in spending patterns inconsistent with the card's purpose, or suspected credit abuse.
International Friendly
User Analytics & Insights
User Ratings
Average Rating: 3.5 / 5.0
Top Positive Feedback:
Excellent financing options for expensive musical instruments and gear, making large purchases more accessible.
Top Negative Feedback:
High interest rates after promotional periods, inconsistent customer service, and difficulty managing the account online.
Approval Experience Score: 70.0 / 100
Recommended Alternatives
- Sweetwater Card (Synchrony)
- Amazon Prime Rewards Visa Signature Card (Chase)
- Capital One SavorOne Cash Rewards Credit Card
Card Value Score: 75.0 / 100
Est. Annual Rewards: $60.00
User Portfolio Metrics
Avg Portfolio Size: 3 cards
Avg Portfolio Age: 48 months
Store vs Co-brand: 0% General / 100% Store
Risk Assessment
Default Risk Group: Medium
Predicted Approval Probability: 75.0%
Terms Version Control
Version ID: v1.0