Guitar Center Credit Card

Synchrony Pending

Back Apply Now

5

Benefits

1

Reward Categories

5x

Max Reward

—

APR From
Basic Information
PENDING

Program ID: synchrony-music-sound-credit-card

Issuer: Synchrony

Card Name: Guitar Center Credit Card

Card Type: Credit

Network:

Card Tier:

Approved: Pending

Data Complete: Complete

Created: Jan 15, 2026 13:24

Last Scraped: Feb 15, 2026 16:41

Apply URL: Visit

Home URL: Visit

SCRA Benefits (Military Members)

Synchrony provides SCRA benefits to eligible Servicemembers and their dependents, including interest rate reductions on accounts opened prior to active duty.

Rewards Program (Detailed) 1 Categories
PENDING
Category Rate Type Description Annual Cap Status
Guitar Center & Musician's Friend Purchases 5x Cash Back Qualifying purchases made with the Gear Card at Guitar Center and Musician's Friend. Rewards are issued as certificates redeemable for future purchases at Guitar Center and Musician's Friend. No Cap
Rewards Summary
PENDING

Quarterly Rotating: No

Benefits & Protections (Detailed) 5 Total
PENDING
Account Management 1
Online Account Access
24/7 online access

Manage your account online 24/7 through Synchrony's secure portal. Cardholders can view statements, make payments, set up alerts, and monitor their account activity conveniently from any device.

Fees 1
No Annual Fee
No annual fee

The credit card does not charge an annual fee for card membership, allowing cardholders to maintain their account without recurring costs.

Financing 1
Special Financing Offers
Varies by promotion (e.g., 0% APR for 24 months)

Cardholders can access promotional financing options, such as deferred interest or low APR periods, on qualifying purchases made with the card. Specific offers vary by retailer and promotion, allowing customers to pay for their music and sound equipment over time.

Security 1
Fraud Protection
Zero liability for unauthorized charges

Cardholders are protected against unauthorized charges made on their account. Synchrony Bank monitors for suspicious activity and provides zero liability for fraudulent transactions, ensuring peace of mind for purchases.

Shopping 1
Exclusive Cardholder Offers
Varies by offer

Access to special discounts, promotions, and sales events offered exclusively to cardholders by the partner retailer. These offers can include savings on instruments, audio gear, accessories, and more.

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
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
Foreign Transaction: 0.00%
Interest Rates & APR
PENDING
Standard APR
Intro APR Offers
Approval Criteria & Requirements
PENDING
Credit Score Requirements
600 - 700
Good
Hard Pull Only
Application Process
Not Available
Not Available
Experian, TransUnion, Equifax
Issuer Rules & Policies
PENDING

Rules: Eligibility for the Synchrony Music & Sound Credit Card requires good to excellent credit, US residency, being 18 years or older, and possessing a valid SSN/ITIN. Applications are typically processed online or in-store at the associated music/sound retailer. Bonus offers commonly feature promotional financing (e.g., 0% APR for 6-24 months on qualifying purchases above a specified threshold) or an immediate discount on the first purchase, contingent on specific retailer promotions.

Max Cards Per Issuer: 7

Min Spend Interval: Not applicable for a traditional spend bonus; promotional financing terms (e.g., 6-24 months) apply to qualifying purchases, or initial discounts are immediate.

Shutdown Risk Triggers: High cumulative credit limit across all Synchrony accounts, excessive applications for Synchrony products within a short period, late or missed payments on any Synchrony account, suspicious activity or potential fraud, extended periods of account inactivity, and abuse of promotional financing terms.

Cliff Effect Rules: Synchrony evaluates the overall credit relationship with an applicant. While there are no direct 'cliff effect' rules like bonus eligibility restrictions based on past card ownership, a high number of existing Synchrony accounts or a large total credit exposure can negatively impact approval for new Synchrony cards or lead to credit limit reductions on existing accounts.

Special Events: Major music industry trade shows (e.g., NAMM Show), back-to-school season, Black Friday/Cyber Monday, seasonal sales (Spring, Summer, Fall), and specific retailer anniversary sales.

Holiday Promos: Black Friday/Cyber Monday (November), Christmas/Holiday Season (December), New Year's Sales (January), President's Day (February), Memorial Day (May), Independence Day (July), Labor Day (September).

International Friendly: No

User Analytics & Insights
PENDING
User Ratings

Average Rating: 3.5 / 5.0

Top Positive:
Easy to get approved for store-specific financing, good promotional offers and discounts at partner retailers.

Top Negative:
High interest rates outside of promotional periods, customer service can be inconsistent, limited general utility.

Approval Experience: 70.0 / 100

Recommended Alternatives
  • Sam's Club Mastercard
  • Amazon Store Card
  • Lowe's Advantage Card

Card Value Score: 65.0 / 100

Est. Annual Rewards: $170.00

Approval Probability: 75.0%

Version Control
PENDING

Version ID: v1.0