The Woodwind & Brasswind Credit Card

Synchrony Pending

Back Apply Now

7

Benefits

0

Reward Categories

—

Max Reward

30%

APR From
Basic Information
PENDING

Program ID: woodwind-brasswind-credit-card

Issuer: Synchrony

Card Name: The Woodwind & Brasswind Credit Card

Card Type: Credit

Network:

Card Tier:

Approved: Pending

Data Complete: Complete

Created: Feb 17, 2026 17:21

Last Scraped: Feb 17, 2026 17:23

Apply URL: Visit

Home URL: Visit

Rewards Program (Detailed)
No Reward Data Available

Click "Get Data" button below to fetch reward information for this card.

Rewards Summary
PENDING
Benefits & Protections (Detailed) 7 Total
PENDING
Account Management 1
Online Account Management

Cardholders can conveniently manage their Woodwind & Brasswind Credit Card account online, including making payments, viewing statements, and checking balances.

Application 1
Easy Application Process

The application for the Woodwind & Brasswind Credit Card is designed to be quick and easy.

Financial 1
No Annual Fee
$0 annual fee

The Woodwind & Brasswind Credit Card does not charge an annual fee.

Shopping 4
6-Month Special Financing
0% APR for 6 months on purchases $199-$498.99 (deferred interest)

No interest will be charged on purchases of $199-$498.99 if the promotional purchase is paid in full within 6 months. If not, interest will be charged from the purchase date.

12-Month Special Financing
0% APR for 12 months on purchases $499-$998.99 (deferred interest)

No interest will be charged on purchases of $499-$998.99 if the promotional purchase is paid in full within 12 months. If not, interest will be charged from the purchase date.

18-Month Special Financing
0% APR for 18 months on purchases $999-$1998.99 (deferred interest)

No interest will be charged on purchases of $999-$1998.99 if the promotional purchase is paid in full within 18 months. If not, interest will be charged from the purchase date.

24-Month Special Financing
0% APR for 24 months on purchases $1999 or more (deferred interest)

No interest will be charged on purchases of $1999 or more if the promotional purchase is paid in full within 24 months. If not, interest will be charged from the purchase date.

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
Min Interest Charge: $2.00
Additional Fees
PENDING
Late Fee: $41.00
Returned Payment: $41.00
Interest Rates & APR
PENDING
Standard APR

Purchase APR: 29.99% - 29.99%

Intro APR Offers

Promo Financing: Deferred Interest

Promo Duration: 12 months

⚠️ Interest will be charged to your account from the purchase date if the promotional balance is not paid in full within 6 or 12 months or if you make a late payment.
Approval Criteria & Requirements
PENDING
Credit Score Requirements
580 - 739
Good
Hard Pull Only
Application Process
Not Available
Not Available
Not specified
Issuer Rules & Policies
PENDING

Rules: The Woodwind & Brasswind Credit Card, issued by Synchrony, primarily offers special financing options on eligible purchases made at Woodwind & Brasswind. Eligibility requirements for 2026 include being at least 18 years of age (19 in AL/NE), a U.S. resident with a valid Social Security Number or ITIN, and possessing verifiable income. Approval is subject to Synchrony's credit underwriting standards, which typically require fair to good credit. The card's 'bonus' is generally ongoing promotional financing offers (e.g., 0% APR for a specified period on qualifying purchases) rather than a traditional sign-up bonus with a spend requirement. Specific financing terms vary by promotion and purchase amount.

Max Cards Per Issuer: 5

Min Spend Interval: Not applicable; primary benefits are ongoing special financing offers and discounts, not a one-time spend bonus.

Shutdown Risk Triggers: High cumulative credit limit across multiple Synchrony accounts, excessive credit utilization, missed or late payments, suspected fraudulent activity, rapid accumulation of new Synchrony credit lines, or significant adverse changes in credit profile.

Cliff Effect Rules: Not applicable; Synchrony store cards are generally independent and do not have 'card family' restrictions or upgrade/downgrade paths that impact eligibility for other Synchrony store cards.

Special Events: Annual sales events (e.g., 'Gear Up' sales, 'Holiday Instrument Showcase'), specific brand promotions, trade-in events, and educational workshops often accompanied by special financing offers.

Holiday Promos: Black Friday/Cyber Monday, Christmas/New Year's, Back-to-School season (August-September), and specific music industry events (e.g., NAMM show promotions, though these are B2B, they can influence retail promos).

International Friendly: No

User Analytics & Insights
PENDING
User Ratings

Average Rating: 3.0 / 5.0

Top Positive:
Easy application process, special financing offers are beneficial for large purchases, no annual fee.

Top Negative:
High standard APR after promotional period, limited use outside of Woodwind & Brasswind, potential customer service issues with Synchrony.

Approval Experience: 80.0 / 100

Recommended Alternatives
  • Capital One Platinum Credit Card
  • Discover it® Secured Credit Card
  • Amazon Store Card

Card Value Score: 65.0 / 100

Est. Annual Rewards: $0.00

Approval Probability: 85.0%

Version Control
PENDING

Version ID: 2024-01-01