6
Benefits2
Reward Categories2x
Max Reward—
APR FromBasic Information
PENDINGProgram ID: musicians-friend-platinum-visa
Issuer: Synchrony
Card Name: Musician's Friend Platinum Visa® Credit Card
Card Type: Credit
Network: Visa
Card Tier: Platinum
Approved: Pending
Data Complete: Complete
Rewards Program (Detailed) 2 Categories
PENDING| Category | Rate | Type | Description | Annual Cap | Status |
|---|---|---|---|---|---|
| Musician's Friend & Guitar Center Purchases | 2x | Points | Qualifying purchases made at Musician's Friend and Guitar Center. | No Cap | |
| All Other Purchases | 1x | Points | All other purchases everywhere Visa is accepted. | No Cap |
Rewards Summary
PENDINGReward Type: Rewards Dollars
Base Rate: 1x
Bonus Rate: 2x
Categories: Musician's Friend purchases
Quarterly Rotating: No
Expiration Policy: Rewards Dollars expire 12 months from the date they are earned.
Point Value: 0.01¢
Travel Portal Multiplier: 1x
Redemption Penalties: Minimum redemption of $5 Rewards Dollars. Rewards Dollars can only be redeemed for purchases at Musician's Friend.
Benefits & Protections (Detailed) 6 Total
PENDINGFinancial 1
No Annual Fee
$0The Musician's Friend Platinum Visa Card does not charge an annual fee for card membership.
Rewards 3
Earn Rewards on Musician's Friend Purchases
2 points per $1 spentEarn 2 points for every $1 spent on purchases made at Musician's Friend, including online and in-store transactions.
Earn Rewards on All Other Purchases
1 point per $1 spentEarn 1 point for every $1 spent on purchases made everywhere else Visa is accepted, outside of Musician's Friend.
Musician's Friend Rewards Redemption
Varies based on points accumulated and redemption valuePoints accumulated through card spending can be redeemed for Musician's Friend Rewards, which can be applied towards future purchases at Musician's Friend.
Security 1
Fraud Protection
Zero LiabilityCardholders are protected against unauthorized purchases with standard Visa fraud protection, including Zero Liability for unauthorized transactions, meaning you are not held responsible for fraudulent charges.
Shopping 1
Special Financing Offers
Varies by promotional offerCardholders can take advantage of special financing offers on qualifying purchases made at Musician's Friend. These offers typically involve deferred interest or 0% APR for a specified period, allowing customers to pay over time.
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 |
| Authorized User Fee: | $0.00 |
| Min Interest Charge: | $2.00 |
Additional Fees
PENDING| Late Fee: | $41.00 |
| Returned Payment: | $41.00 |
Interest Rates & APR
PENDINGStandard APR
Intro APR Offers
Approval Criteria & Requirements
PENDINGCredit Score Requirements
Application Process
Issuer Rules & Policies
PENDINGRules: For 2026, the Musicians Friend Platinum Visa from Synchrony is expected to maintain its core rewards structure: typically 5% back in rewards on Musicians Friend purchases, 2% on select categories like gas and groceries, and 1% on all other eligible purchases. New cardholders may be offered a one-time sign-up bonus, such as a $100 statement credit after spending $500 outside of Musicians Friend within the first 90 days, or special promotional financing offers on initial large purchases at Musicians Friend. Eligibility requirements include being at least 18 years of age (19 in AL/NE), a U.S. resident with a valid SSN or ITIN, and possessing a good to excellent credit history. Synchrony will also assess verifiable income and your existing credit relationship with them.
Max Cards Per Issuer: 6
Min Spend Interval: 3 months
Cliff Effect Rules: Synchrony does not enforce strict 'card family' rules that directly prevent eligibility for one card based on holding another. However, your overall credit relationship with Synchrony, including the total credit extended across all your Synchrony accounts and your recent application history, will significantly influence approval for new cards. Having too many Synchrony accounts or a high total credit limit can lead to denials or lower starting limits for new applications.
Special Events: Musicians Friend typically offers enhanced reward rates or special promotional financing during major sales events such as Black Friday, Cyber Monday, Memorial Day, Labor Day, their anniversary sale, and specific product launch promotions. Cardholders may receive exclusive early access or additional discounts during these periods.
Holiday Promos: Key promotional periods include Black Friday, Cyber Monday, the entire December holiday shopping season, New Year's sales, Memorial Day, and Labor Day. Expect special financing offers or increased reward earnings during these times.
International Friendly: No
User Analytics & Insights
PENDINGUser Ratings
Average Rating: 3.0 / 5.0
Top Positive:
Excellent special financing offers for large purchases, good rewards for Musician's Friend purchases, no annual fee, accepted anywhere Visa is.
Top Negative:
High APR after promotional period, frequent customer service issues with Synchrony, points only redeemable for Musician's Friend credit, some users report issues with promotional terms.
Approval Experience: 70.0 / 100
Recommended Alternatives
- Sweetwater Card
- Guitar Center Gear Card
- PayPal Cashback Mastercard
Card Value Score: 65.0 / 100
Est. Annual Rewards: $70.00
Approval Probability: 75.0%
Version Control
PENDINGVersion ID: v1.0