Guitar Center Gear Card

Synchrony Pending

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3

Benefits

0

Reward Categories

—

Max Reward

30%

APR From
Basic Information
PENDING

Program ID: guitar-center-gear-card-v2

Issuer: Synchrony

Card Name: Guitar Center Gear Card

Card Type: Credit

Network:

Card Tier:

Approved: Pending

Data Complete: Complete

Created: Feb 17, 2026 04:01

Last Scraped: Feb 17, 2026 04:03

Apply URL: Visit

Home URL: Visit

SCRA Benefits (Military Members)

Synchrony Bank provides important benefits to active duty Servicemembers and their dependents under the Military Lending Act (MLA) and the Servicemembers Civil Relief Act (SCRA). For more information about MLA and SCRA, please visit synchronybank.com/military.

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
Financial 1
No Annual Fee
$0

The Guitar Center Gear Card does not charge an annual fee, allowing cardholders to maintain their account without recurring yearly costs.

Shopping 2
Special Financing Options
Varies by promotion (e.g., 0% APR for 6, 12, 18, or 24 months on qualifying purchases)

Cardholders can access promotional financing offers, including deferred interest options, on qualifying purchases made at Guitar Center. These offers allow customers to pay for purchases over time with specific interest terms, often 0% APR for a set period, depending on the purchase amount and current promotions.

Exclusive Cardholder Offers
Varies by offer

Cardholders are eligible for exclusive discounts, special promotions, and unique offers available only to 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
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: 12 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.
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 (v2) in 2026 requires applicants to be at least 18 years of age, a U.S. resident, and possess a valid Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN). While good to excellent credit is generally recommended, Synchrony may approve applicants with fair credit for store-specific cards. This card is intended for new cardholders only. The typical bonus for new cardholders is expected to be a discount on the first purchase, such as 'Receive 10% off your first Guitar Center purchase made with the card within 30 days of account opening, up to a maximum discount of $100.'

Max Cards Per Issuer: 6

Min Spend Interval: N/A

Shutdown Risk Triggers: High cumulative credit limit across all Synchrony accounts, excessive applications for Synchrony credit products within a short timeframe, suspicious or fraudulent activity, failure to make timely payments or default on any Synchrony account, and abuse of promotional financing offers.

Cliff Effect Rules: Synchrony does not typically enforce strict 'card family' rules for store cards. However, overall credit exposure and the total number of open Synchrony accounts are considered during new applications and credit limit reviews, potentially impacting approval for additional Synchrony products.

Special Events: Guitar Center Anniversary Sale, Memorial Day Sale, Labor Day Sale, Back-to-School promotions, specific brand launch events, and clearance sales.

Holiday Promos: Black Friday, Cyber Monday, Christmas/Holiday Season, New Year's Sales, and other major national holidays with associated sales.

International Friendly: No

User Analytics & Insights
PENDING
User Ratings

Average Rating: 3.2 / 5.0

Top Positive:
Special financing offers on music gear, exclusive discounts, and a way to build credit for music enthusiasts.

Top Negative:
High standard APR after promotional period, limited use to Guitar Center only, and sometimes low initial credit limits.

Approval Experience: 75.0 / 100

Recommended Alternatives
  • Sweetwater Card
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Card Value Score: 70.0 / 100

Est. Annual Rewards: $200.00

Approval Probability: 75.0%

Version Control
PENDING

Version ID: v1.0