Guitar Center Credit Card Mastercard

Synchrony Mastercard Pending

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8

Benefits

3

Reward Categories

5x

Max Reward

32.2%

APR From
Basic Information
PENDING

Program ID: guitar-center-mastercard

Issuer: Synchrony

Card Name: Guitar Center Credit Card Mastercard

Card Type: Credit

Network: Mastercard

Card Tier:

Approved: Pending

Data Complete: Complete

Created: Jan 15, 2026 11:48

Last Scraped: Feb 07, 2026 06:11

Apply URL: Visit

Home URL: Visit

SCRA Benefits (Military Members)

Synchrony mentions the Servicemembers Civil Relief Act (SCRA) and provides a dedicated phone number for inquiries. It also states that for covered borrowers under the Military Lending Act (MLA), the Military Annual Percentage Rate (MAPR) will not exceed 36%.

Rewards Program (Detailed) 3 Categories
PENDING
Category Rate Type Description Annual Cap Status
Guitar Center & Musician's Friend 5x Cash Back Qualifying purchases at Guitar Center and Musician's Friend stores, websites, and call centers. Rewards are issued as Guitar Center Gear Card Rewards. No Cap
Dining & Gas 2x Cash Back Qualifying purchases at gas stations and restaurants. Rewards are issued as Guitar Center Gear Card Rewards. No Cap
All Other Purchases 1x Cash Back All other qualifying purchases everywhere Mastercard is accepted. Rewards are issued as Guitar Center Gear Card Rewards. No Cap
Rewards Summary
PENDING

Reward Type: Points

Base Rate: 1x

Bonus Rate: 5x

Categories: 5x at Guitar Center

Quarterly Rotating: No

Expiration Policy: Points expire 24 months after the date they are earned if not redeemed.

Point Value: 0.01¢

Travel Portal Multiplier: 1x

Redemption Penalties: Gear Bucks expire 90 days from issuance. Gear Bucks are only redeemable at Guitar Center.

Benefits & Protections (Detailed) 8 Total
PENDING
Security 2
Mastercard ID Theft Protection
Comprehensive protection

Provides services to help detect and resolve identity theft, including monitoring for suspicious activity and expert assistance. Enrollment may be required for some features.

Zero Liability Protection
Full protection against unauthorized use

Cardholders are not responsible for unauthorized transactions made with their Mastercard.

Shopping 5
Guitar Center & Musician's Friend Rewards
5% back in rewards

Earn 5% back in rewards on eligible purchases made at Guitar Center and Musician's Friend with your Guitar Center Mastercard.

Gas & Restaurant Rewards
2% back in rewards

Earn 2% back in rewards on eligible gas and restaurant purchases made with your Guitar Center Mastercard.

General Mastercard Rewards
1% back in rewards

Earn 1% back in rewards on all other eligible purchases made with your Guitar Center Mastercard, everywhere Mastercard is accepted.

Special Financing Offers
Varies by offer

Access to special financing offers on qualifying purchases made at Guitar Center and Musician's Friend.

Welcome Bonus Rewards
$100 in rewards

Receive $100 in rewards after spending $500 on eligible purchases outside of Guitar Center and Musician's Friend within the first 90 days of account opening.

Travel 1
Mastercard Global Service
24/7 emergency assistance

Provides emergency assistance services anytime, anywhere, including lost and stolen card reporting, emergency card replacement, and emergency cash advance.

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
Balance Transfer: Either $10 or 5% of the amount of each balance transfer, whichever is greater
Cash Advance: Either $10 or 5% of the amount of each cash advance, whichever is greater
Foreign Transaction: 0.00%
Interest Rates & APR
PENDING
Standard APR

Purchase APR: 32.24% - 32.24%

Balance Transfer APR: 32.24%

Cash Advance APR: 32.24%

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. See agreement for details.
Approval Criteria & Requirements
PENDING
Credit Score Requirements
670 - 850
Good
Hard Pull Only
Application Process
Not Available
Not Available
Experian, TransUnion, Equifax
Issuer Rules & Policies
PENDING

Rules: Eligibility requires applicant to be 18+ years old (19+ in AL/NE), possess a valid U.S. SSN/ITIN, U.S. mailing address, and verifiable income. Approval is subject to Synchrony's credit underwriting standards, including existing credit exposure and credit score. Bonus: Earn a $50 statement credit after spending $500 outside of Guitar Center within the first 90 days of account opening. Special financing offers apply to qualifying Guitar Center and Musician's Friend purchases. Store-specific restrictions apply to all promotional offers and reward redemptions, including minimum purchase requirements and exclusions.

Max Cards Per Issuer: 5

Min Spend Interval: 3 months

Shutdown Risk Triggers: Manufactured spending, high cumulative credit limit across Synchrony accounts relative to income, excessive credit applications within a short period, missed payments or significant derogatory marks on credit report, sudden uncharacteristic spending patterns, abuse of promotional financing terms (e.g., repeated large purchases with no intent to pay off), frequent product returns after using promotional financing, or bankruptcy filing.

Cliff Effect Rules: No specific 'card family' cliff effects like other major issuers. However, Synchrony actively manages total credit exposure per customer. Approving too many Synchrony accounts or reaching a high cumulative credit limit across all Synchrony products can lead to application denials or account closures, regardless of individual card type.

Special Events: Guitar Center Anniversary Sale, Black Friday/Cyber Monday, Memorial Day Sale, Labor Day Sale, 4th of July Sale, President's Day Sale, various seasonal clearance events, and specific brand-focused promotions.

Holiday Promos: Black Friday (late November), Cyber Monday (late November/early December), Christmas/Holiday Season (November-December), New Year's, Valentine's Day, Mother's Day, Father's Day.

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 promotions and rewards on Guitar Center purchases.

Top Negative:
High APR outside promotional periods; poor customer service from Synchrony; limited rewards outside Guitar Center; difficult to get credit limit increases.

Approval Experience: 72.5 / 100

Recommended Alternatives
  • Sweetwater Card
  • Amazon Prime Rewards Visa Signature Card
  • Citi Double Cash Card

Card Value Score: 67.5 / 100

Est. Annual Rewards: $250.00

Approval Probability: 75.0%

Version Control
PENDING

Version ID: v1.0