12
Benefits0
Reward Categories—
Max Reward32.2%
APR FromBasic Information
PENDINGRewards Program (Detailed)
No Reward Data Available
Click "Get Data" button below to fetch reward information for this card.
Rewards Summary
PENDINGQuarterly Rotating: No
Travel Portal Multiplier: 1x
Benefits & Protections (Detailed) 12 Total
PENDINGAccount Management 1
Online Account Management
Online accessAccess and manage your credit card account online, including viewing statements and making payments.
Financial 1
No Annual Fee
No annual feeThe Music & Arts Credit Card does not charge an annual fee.
Financial Management 1
Convenient Monthly Payments
Flexible payment optionsCardholders can make convenient monthly payments on their purchases.
Shopping 9
Exclusive Cardholder Offers
Varies by offerReceive special promotions and discounts available only to Music & Arts Credit Cardholders.
Accepted at Music & Arts
Music & Arts purchasesThe Music & Arts Credit Card can be used for purchases at all Music & Arts store locations and online at musicarts.com.
6 Months Special Financing
6 months deferred interestNo interest if paid in full within 6 months on purchases of $299 or more. Interest will be charged to your account from the purchase date if the purchase balance is not paid in full within 6 months or if you make a late payment.
12 Months Special Financing
12 months deferred interestNo interest if paid in full within 12 months on purchases of $499 or more. Interest will be charged to your account from the purchase date if the purchase balance is not paid in full within 12 months or if you make a late payment.
24 Months Special Financing
24 months deferred interestNo interest if paid in full within 24 months on purchases of $999 or more. Interest will be charged to your account from the purchase date if the purchase balance is not paid in full within 24 months or if you make a late payment.
36 Months Special Financing
36 months deferred interestNo interest if paid in full within 36 months on purchases of $1,999 or more. Interest will be charged to your account from the purchase date if the purchase balance is not paid in full within 36 months or if you make a late payment.
48 Months Special Financing
48 months deferred interestNo interest if paid in full within 48 months on purchases of $2,999 or more. Interest will be charged to your account from the purchase date if the purchase balance is not paid in full within 48 months or if you make a late payment.
60 Months Special Financing
60 months deferred interestNo interest if paid in full within 60 months on purchases of $3,999 or more. Interest will be charged to your account from the purchase date if the purchase balance is not paid in full within 60 months or if you make a late payment.
72 Months Special Financing
72 months deferred interestNo interest if paid in full within 72 months on purchases of $4,999 or more. Interest will be charged to your account from the purchase date if the purchase balance is not paid in full within 72 months or if you make a late payment.
Benefits Summary (Flags)
PENDINGExtended 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 |
| Foreign Transaction: | 0.00% |
Interest Rates & APR
PENDINGStandard APR
Purchase APR: 32.24% - 32.24%
Intro APR Offers
Promo Financing: Deferred Interest
Promo Duration: 12 months
Approval Criteria & Requirements
PENDINGCredit Score Requirements
Application Process
Issuer Rules & Policies
PENDINGRules: Eligibility for the Music & Arts Credit Card (2026) requires applicants to be at least 18 years of age, a U.S. resident, and possess a valid Social Security Number or ITIN. Approval is contingent upon creditworthiness and Synchrony's internal lending policies. New cardholders typically receive a bonus such as 10% off their first Music & Arts purchase (up to a maximum discount, e.g., $100) made within 30 days of account opening. Additionally, cardholders frequently qualify for special financing offers, such as 0% APR for 6, 12, or 18 months on qualifying purchases over a specified amount (e.g., $299). These financing offers are subject to promotional terms and minimum payment requirements.
Max Cards Per Issuer: 6
Min Spend Interval: 3 months (for spend-based bonuses; initial purchase discounts are immediate)
Cliff Effect Rules: Synchrony primarily manages overall credit exposure rather than strict 'card family' rules. While there isn't a direct equivalent to a 5/24 rule, accumulating a high number of Synchrony accounts or a very high total credit limit across multiple Synchrony cards in a short period can lead to application denials or credit limit reductions on existing accounts due to perceived over-extension.
Special Events: Exclusive cardholder-only sales events, early access to new instrument releases, special financing promotions during Back-to-School (July-September), Spring Recital Season (March-May), and other Music & Arts specific promotional periods.
Holiday Promos: Black Friday/Cyber Monday (late November), Christmas/Holiday Season (December), New Year's Sales (January), President's Day (February), Memorial Day (May), Independence Day (July).
International Friendly: No
User Analytics & Insights
PENDINGUser Ratings
Average Rating: 3.0 / 5.0
Top Positive:
Excellent for financing large musical instrument purchases with deferred interest options. Helps manage cash flow for musicians and students.
Top Negative:
High standard APR if promotional terms are not met, leading to significant interest charges. Customer service can be inconsistent.
Approval Experience: 75.0 / 100
Recommended Alternatives
- Sweetwater Card
- Guitar Center Card
- Amazon Store Card
Card Value Score: 60.0 / 100
Est. Annual Rewards: $0.00
Approval Probability: 75.0%
Version Control
PENDINGVersion ID: January 2024