Kraft Music Credit Card

Synchrony Pending

Back Apply Now

7

Benefits

0

Reward Categories

—

Max Reward

30%

APR From
Basic Information
PENDING

Program ID: kraft-music-credit-card

Issuer: Synchrony

Card Name: Kraft Music Credit Card

Card Type: Credit

Network:

Card Tier:

Approved: Pending

Data Complete: Complete

Created: Feb 17, 2026 05:13

Last Scraped: Feb 17, 2026 05:15

Apply URL: Visit

Home URL: Visit

SCRA Benefits (Military Members)

Synchrony Bank complies with the Military Lending Act (MLA) by providing covered borrowers with a 36% Military Annual Percentage Rate (MAPR) cap on credit card accounts. Eligible servicemembers and their dependents may also receive Servicemembers Civil Relief Act (SCRA) benefits, including interest rate reductions, protection from default judgments, and other financial relief.

Rewards Program (Detailed)
No Reward Data Available

Click "Get Data" button below to fetch reward information for this card.

Rewards Summary
PENDING

Quarterly Rotating: No

Benefits & Protections (Detailed) 7 Total
PENDING
Account Management 1
Online Account Management

Cardholders can manage their Kraft Music Credit Card account online, including making payments, viewing statements, and checking their balance.

Cost Savings 1
No Annual Fee
No annual fee

The Kraft Music Credit Card does not charge an annual fee.

Financing 5
Special Financing: 6 Months No Interest
6 months no interest on $199+ purchases

No interest will be charged if the promotional purchase is paid in full within 6 months on qualifying purchases of $199 or more made with your Kraft Music Credit Card. Otherwise, interest will be charged to your account from the purchase date. Minimum monthly payments are required.

Special Financing: 12 Months No Interest
12 months no interest on $499+ purchases

No interest will be charged if the promotional purchase is paid in full within 12 months on qualifying purchases of $499 or more made with your Kraft Music Credit Card. Otherwise, interest will be charged to your account from the purchase date. Minimum monthly payments are required.

Special Financing: 18 Months No Interest
18 months no interest on $799+ purchases

No interest will be charged if the promotional purchase is paid in full within 18 months on qualifying purchases of $799 or more made with your Kraft Music Credit Card. Otherwise, interest will be charged to your account from the purchase date. Minimum monthly payments are required.

Special Financing: 24 Months No Interest
24 months no interest on $1199+ purchases

No interest will be charged if the promotional purchase is paid in full within 24 months on qualifying purchases of $1199 or more made with your Kraft Music Credit Card. Otherwise, interest will be charged to your account from the purchase date. Minimum monthly payments are required.

Special Financing: 36 Months No Interest
36 months no interest on $1999+ purchases

No interest will be charged if the promotional purchase is paid in full within 36 months on qualifying purchases of $1999 or more made with your Kraft Music Credit Card. Otherwise, interest will be charged to your account from the purchase date. Minimum monthly payments are required.

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
Min Interest Charge: $2.00
Additional Fees
PENDING
Late Fee: $41.00
Returned Payment: $41.00
Balance Transfer: None
Cash Advance: None
Foreign Transaction: 0.00%
Interest Rates & APR
PENDING
Standard APR

Purchase APR: 29.99% - 29.99%

Intro APR Offers

Promo Financing: Special Financing

Approval Criteria & Requirements
PENDING
Credit Score Requirements
620 - 720
Good
Hard Pull Only
Application Process
Not Available
Not Available
Experian, Equifax, TransUnion
Issuer Rules & Policies
PENDING

Rules: The Kraft Music Credit Card, issued by Synchrony, primarily offers promotional financing on eligible purchases made at Kraft Music. For 2026, typical offers are expected to include 0% APR for a specified period (e.g., 6, 12, 18, or 24 months) on purchases meeting a minimum spend threshold (e.g., $299, $499, $799). Eligibility requirements for application include being at least 18 years of age (19 in AL and NE), a U.S. resident with a valid Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN), and having a satisfactory credit history as determined by Synchrony's underwriting criteria. While traditional sign-up bonuses are rare for store cards, specific limited-time offers for new cardholders (e.g., a small statement credit after first purchase) may be introduced.

Max Cards Per Issuer: 3

Min Spend Interval: 3-6 months (if applicable for a specific bonus offer, otherwise N/A for promotional financing)

Shutdown Risk Triggers: High cumulative credit limit across multiple Synchrony accounts, missed or late payments on any Synchrony account, excessive credit inquiries in a short period, rapid application for multiple Synchrony cards, significant changes in credit score, or suspected fraudulent activity. While less common for store cards, unusual spending patterns significantly outside typical Kraft Music purchases could also trigger review.

Cliff Effect Rules: Synchrony does not have a strict 'card family' rule like some major issuers (e.g., Chase 5/24). However, they manage overall credit exposure across all accounts they issue to an individual. Applying for too many Synchrony cards or accumulating a high total credit limit across their portfolio can lead to denials for new applications or credit limit reductions on existing accounts, even if individual accounts are in good standing. Approval for one Synchrony card does not guarantee approval for another, and existing credit limits may influence new application outcomes.

Special Events: Exclusive financing offers during product launches or major sales events, member-only discounts on select Kraft Music gear, early access to new inventory, and enhanced promotional financing terms during specific promotional periods (e.g., 'Gear Up for Summer' sale, 'Holiday Studio Upgrade' event).

Holiday Promos: Black Friday, Cyber Monday, Christmas/Holiday Season (November-December), Memorial Day, 4th of July, Labor Day, and Back-to-School season (July-August).

International Friendly: No

User Analytics & Insights
PENDING
User Ratings

Average Rating: 3.0 / 5.0

Top Positive:
Easy approval process, provides flexible financing options for large purchases at Kraft Music, useful for managing budget on musical equipment.

Top Negative:
High interest rates after promotional periods, limited utility outside of Kraft Music, reports of challenging customer service experiences with Synchrony Bank, low initial credit limits.

Approval Experience: 80.0 / 100

Recommended Alternatives
  • Citi Double Cash Card
  • Chase Freedom Unlimited
  • Discover it® Cash Back

Card Value Score: 65.0 / 100

Est. Annual Rewards: $0.00

Approval Probability: 75.0%

Version Control
PENDING

Version ID: October 2023