Synchrony Music & Sound Credit Card
Basic Information
Program ID: synchrony-music-sound-credit-card
Issuer: Synchrony
Card Type: Credit
Network: Private Label
Card Tier: Standard
Data Complete: Yes
Created: 01/15/2026 13:24
Last Scraped: 01/15/2026 13:26
Fee Structure
| Annual Fee: | $0.00 |
| Year 1 Waived: | No |
| Effective Annual Fee: | $0.00 |
| Authorized User Fee: | $0.00 |
| Penalty APR: | 0.00% |
Additional Fees
| Late Fee: | $41.00 |
| Returned Payment: | $41.00 |
| Balance Transfer: | Either $10 or 5% of the amount of each transfer, whichever is greater. |
| Cash Advance: | Either $10 or 5% of the amount of each cash advance, whichever is greater. |
| Foreign Transaction: | 0.00% |
Interest Rates
Purchase APR Range: 2,999.00% - 3,299.00%
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: 3,399.00%
Rewards Program
Reward Type: Points
Base Reward Rate: 1.00%
Bonus Reward Rate: 5.00%
Bonus Categories: 5x points at participating music and sound retailers, 1x point on all other purchases.
Point Value Estimate: 0.0100 cents/point
Expiration Policy: Points do not expire as long as the account is open and in good standing.
Transfer Partners: N/A
Card Benefits
Protection Benefits
Travel Benefits
Premium Benefits
- Global Entry Credit: $0.00
- TSA PreCheck Credit: $0.00
Approval Criteria
Recommended FICO Range: 670 - 850
Approval Odds Category: Good
Pre-qualification Available
Soft Pull Supported
Hard Pull Bureau: Varies (Experian, TransUnion, Equifax)
Issuer Rules
Rules: The Synchrony Music & Sound Credit Card is a store-specific private label or co-branded credit card designed for purchases at participating music and sound equipment retailers. Eligibility typically requires applicants to be 18 years or older, a U.S. resident, and possess a valid Social Security Number or ITIN. Approval is subject to creditworthiness, generally requiring good to excellent credit, though some applicants with fair credit may be approved for lower limits. The primary 'bonus' for this card is usually promotional financing offers, such as 0% APR for a specified period (e.g., 6, 12, 24, 36, or 48 months) on qualifying purchases, rather than a traditional cash-back or points bonus. Specific financing terms vary by promotion and purchase amount. There may also be an initial discount on the first purchase upon account opening.
Maximum Cards Per Issuer: 5
Minimum Spend Interval: Not applicable for traditional spend bonus; promotional financing terms apply immediately upon qualifying purchase.
Shutdown Risk Triggers: Common triggers include: high cumulative credit exposure across multiple Synchrony accounts, defaulting on promotional financing terms, excessive credit applications in a short period, missed payments, suspected fraudulent activity, or significant changes in credit profile (e.g., bankruptcy, high utilization on other accounts). While less common for store cards, manufactured spending or unusual spending patterns could also be flagged.
International Friendly
User Analytics & Insights
User Ratings
Average Rating: 3.2 / 5.0
Top Positive Feedback:
Easy approval for specific store benefits, good for building credit, useful for targeted spending.
Top Negative Feedback:
High APR, customer service issues, limited rewards outside partner stores, strict credit limits.
Approval Experience Score: 65.0 / 100
Recommended Alternatives
- Capital One SavorOne Cash Rewards Credit Card
- Amazon Prime Rewards Visa Signature Card
- Citi Custom Cash Card
Card Value Score: 60.0 / 100
Est. Annual Rewards: $120.00
User Portfolio Metrics
Avg Portfolio Size: 4 cards
Avg Portfolio Age: 60 months
Store vs Co-brand: 60% General / 40% Co-brand
Risk Assessment
Default Risk Group: Medium
Predicted Approval Probability: 75.0%
Terms Version Control
Version ID: v1.0