Musician's Friend Platinum Card
Basic Information
Program ID: musicians-friend-platinum
Issuer: Synchrony
Card Type: Credit
Network: Private Label
Card Tier: Platinum
Data Complete: Yes
Created: 01/15/2026 11:50
Last Scraped: 01/15/2026 11:52
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: | $41.00 |
| Returned Payment: | $41.00 |
| Balance Transfer: | None |
| Cash Advance: | None |
| Foreign Transaction: | 0.00% |
Interest Rates
Purchase APR Range: 1,499.00% - 2,999.00%
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: $50.00
Spending Requirement: $250.00
Time Period: 90 days
Bonus Timing: Statement credit typically posts within 1-2 billing cycles after the qualifying spend is met.
Rewards Program
Reward Type: Store Credit
Base Reward Rate: 0.00%
Bonus Reward Rate: 5.00%
Bonus Categories: 5x Musician's Friend purchases
Point Value Estimate: 0.0100 cents/point
Expiration Policy: Rewards expire 12 months after issuance if not redeemed
Transfer Partners: None
Card Benefits
Protection Benefits
- Extended Warranty
- Purchase Protection
- Cell Phone Protection
- Price Protection
Travel Benefits
- Travel Insurance
- Primary Rental Protection
- Trip Delay Coverage
- Lost Luggage Coverage
- No Foreign Transaction Fees
Premium Benefits
- Airport Lounge Access
- Concierge Service
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: Eligibility requires applicants to be 18 years or older (19 in AL/NE), a US resident, possess a valid SSN or ITIN, and meet Synchrony's creditworthiness criteria. The card is primarily for purchases at Musicians Friend and its affiliated brands (e.g., Guitar Center). The primary 'bonus' is typically deferred interest financing on qualifying purchases (e.g., 6, 12, 24, 36 months). If the promotional balance is not paid in full by the end of the period, all accrued interest from the purchase date will be charged.
Maximum Cards Per Issuer: 7
Minimum Spend Interval: Not applicable for a traditional sign-up bonus. For deferred interest promotions, the interval refers to the promotional period (e.g., 6, 12, 24, 36 months) during which the balance must be paid in full to avoid accrued interest.
Shutdown Risk Triggers: High cumulative credit limit across all Synchrony accounts, rapid application for multiple Synchrony cards, abuse of promotional financing offers (e.g., repeatedly failing to pay off deferred interest balances), late payments or defaults on any Synchrony account, suspicious or fraudulent activity, and significant adverse changes in credit profile.
International Friendly
User Analytics & Insights
User Ratings
Average Rating: 3.2 / 5.0
Top Positive Feedback:
Excellent for financing large music gear purchases with 0% interest promotions; Relatively easy approval process, even for those with fair credit.
Top Negative Feedback:
Deferred interest can lead to high costs if the balance isn't paid in full by the promotional end date; High standard APR; Customer service can be inconsistent.
Approval Experience Score: 75.0 / 100
Recommended Alternatives
- Sweetwater Card (Synchrony)
- Guitar Center Gear Card (Synchrony)
- Best Buy Credit Card (Citi)
Card Value Score: 65.0 / 100
Est. Annual Rewards: $0.00
User Portfolio Metrics
Avg Portfolio Size: 4 cards
Avg Portfolio Age: 48 months
Store vs Co-brand: 100% Store / 0% General
Risk Assessment
Default Risk Group: Medium
Predicted Approval Probability: 75.0%
Terms Version Control
Version ID: v1.0