Guitar Center Gear Card Mastercard
Basic Information
Program ID: guitar-center-mastercard
Issuer: Synchrony
Card Type: Credit
Network: Mastercard
Card Tier: Standard
Data Complete: Yes
Created: 01/15/2026 11:48
Last Scraped: 01/15/2026 11:50
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: | Either $10 or 3% of the amount of each 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
Purchase APR Range: 2,124.00% - 2,924.00%
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: 2,999.00%
Sign-Up Bonus
Bonus Amount: $0.00
Spending Requirement: $0.00
Time Period: 0 days
Bonus Timing: No explicit sign-up bonus (welcome offer) is advertised on the Guitar Center financing page for the Guitar Center Synchrony Mastercard as of January 2026. The page details ongoing rewards rates and special financing offers for purchases.
Rewards Program
Reward Type: Points
Base Reward Rate: 1.00%
Bonus Reward Rate: 5.00%
Bonus Categories: 5x at Guitar Center, 2x on Gas and Dining
Point Value Estimate: 0.0100 cents/point
Expiration Policy: Points expire 24 months after they are earned or if the account is closed.
Transfer Partners: N/A - Points redeemable for Guitar Center Gear Cards only
Card Benefits
Protection Benefits
Travel Benefits
Premium Benefits
Approval Criteria
Recommended FICO Range: 670 - 780
Approval Odds Category: Good
Pre-qualification Available
Soft Pull Supported
Hard Pull Bureau: Varies (Experian, TransUnion, Equifax)
Issuer Rules
Rules: New cardholders for 2026 may receive a one-time statement credit (e.g., $50-$100) after spending a specified amount (e.g., $500) within the first 90 days, or special financing offers on qualifying Guitar Center purchases. Bonus offers are subject to annual review and change. Eligibility requirements include being at least 18 years old (19 in AL and NE), a U.S. resident with a valid SSN or ITIN, and possessing a steady income. Approval is subject to creditworthiness, with a preference for good to excellent credit for the Mastercard version. Existing Synchrony cardholders may face additional scrutiny regarding total credit exposure. Store-specific restrictions and promotional exclusions apply to certain Guitar Center products or services.
Maximum Cards Per Issuer: 6
Minimum Spend Interval: 3 months
Shutdown Risk Triggers: Manufactured spending, excessive credit seeking (especially within a short period), high cumulative credit limit across all Synchrony accounts relative to income, sudden and unusual spending patterns inconsistent with historical behavior, missed payments, bankruptcy filings, or suspected fraudulent activity. For a store-branded card, significant spending outside the partner store that deviates from typical usage could also be flagged.
International Friendly
User Analytics & Insights
User Ratings
Average Rating: 2.7 / 5.0
Top Positive Feedback:
Good for financing large purchases at Guitar Center, offering 5% rewards on GC purchases and no annual fee.
Top Negative Feedback:
Frequent complaints about Synchrony customer service, high APR, rewards limited to store credit, and low credit limits.
Approval Experience Score: 65.0 / 100
Recommended Alternatives
- Amazon Prime Rewards Visa Signature Card
- Capital One SavorOne Cash Rewards Credit Card
- Citi Custom Cash Card
Card Value Score: 55.0 / 100
Est. Annual Rewards: $160.00
User Portfolio Metrics
Avg Portfolio Size: 3 cards
Avg Portfolio Age: 48 months
Store vs Co-brand: 60% Store / 40% General
Risk Assessment
Default Risk Group: Medium
Predicted Approval Probability: 75.0%
Terms Version Control
Version ID: v1.0