Yamaha Music Credit Card

Synchrony Pending

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4

Benefits

0

Reward Categories

—

Max Reward

30%

APR From
Basic Information
PENDING

Program ID: yamaha-music-credit-card

Issuer: Synchrony

Card Name: Yamaha Music Credit Card

Card Type: Credit

Network:

Card Tier:

Approved: Pending

Data Complete: Complete

Created: Feb 17, 2026 16:43

Last Scraped: Feb 17, 2026 16:45

Apply URL: Visit

Home URL: Visit

SCRA Benefits (Military Members)

Synchrony complies with the Servicemembers Civil Relief Act (SCRA). Eligible active duty service members may have their interest rate reduced to 6% on Synchrony credit card accounts for the duration of their active duty.

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) 4 Total
PENDING
Financing 2
6-Month Special Financing
6 months no interest

No interest will be charged on qualifying purchases of $199 or more if paid in full within 6 months. Minimum monthly payments are required. Interest will be charged to your account from the purchase date if the promotional purchase is not paid in full within 6 months.

12-Month Special Financing
12 months no interest

No interest will be charged on qualifying purchases of $199 or more if paid in full within 12 months. Minimum monthly payments are required. Interest will be charged to your account from the purchase date if the promotional purchase is not paid in full within 12 months.

Lifestyle 1
Online Account Management
Online access

Access and manage your Yamaha Music Credit Card account online through Synchrony's portal, allowing you to view statements, make payments, and update personal information conveniently.

Security 1
Zero Fraud Liability
$0 liability for unauthorized use

Cardholders are not responsible for unauthorized charges made with their Yamaha Music Credit Card, providing protection against fraudulent activity.

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
Penalty APR: 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

Purchase APR: 29.99% - 29.99%

Cash Advance APR: 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 purchase 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
Supported
Application Process
Available
Not specified
Experian, Equifax, TransUnion
Issuer Rules & Policies
PENDING

Rules: The Yamaha Music Credit Card primarily offers special financing promotions (e.g., 0% APR for X months) on qualifying Yamaha purchases, rather than traditional sign-up bonuses. Eligibility requirements for application typically include: being at least 18 years of age (19 in AL/NE), having a valid U.S. Social Security Number or ITIN, being a U.S. resident, and meeting Synchrony's credit approval criteria, which generally requires a fair to good credit history. Applications are subject to a credit check and approval of terms and conditions.

Max Cards Per Issuer: 7

Min Spend Interval: N/A - primary benefit is special financing, not a spend-based bonus.

Shutdown Risk Triggers: Missed payments, high credit utilization across Synchrony accounts, suspected fraudulent activity, breach of terms and conditions, excessive credit inquiries/new accounts signaling high risk, significant derogatory marks on credit report (e.g., bankruptcy).

Cliff Effect Rules: Not applicable; Synchrony store cards are generally independent and do not have 'family' rules that restrict applications based on other Synchrony store cards held.

Special Events: Frequent special financing promotions tied to Yamaha product launches, seasonal sales, and specific authorized dealer events. These often include extended 0% APR periods or deferred interest offers on qualifying purchases.

Holiday Promos: Commonly offers enhanced financing during major shopping holidays (e.g., Black Friday, Cyber Monday, Christmas, Back-to-School, Memorial Day, Labor Day) to incentivize large purchases.

International Friendly: No

User Analytics & Insights
PENDING
User Ratings

Average Rating: 3.5 / 5.0

Top Positive:
Easy financing for Yamaha products; special promotional offers; convenient monthly payments; helps manage large purchases without immediate full payment.

Top Negative:
High standard APR after promotional period; limited use outside Yamaha stores; potential for deferred interest if balance is not paid in full by the end of the promotional period; customer service issues reported with Synchrony Bank.

Approval Experience: 75.0 / 100

Recommended Alternatives
  • Sweetwater Card (Synchrony)
  • Amazon Store Card (Synchrony)
  • Wells Fargo Reflect Card

Card Value Score: 80.0 / 100

Est. Annual Rewards: $50.00

Approval Probability: 85.0%

Version Control
PENDING

Version ID: 2023-10-01