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  Guitar Center Gear Card

Guitar Center Gear Card

in Personal Credit Cards from Synchrony Bank

Claimed

Guitar Center Gear Card

Claimed

in Personal Credit Cards from Synchrony Bank

Net Recommendation Score -100%

SUPERMONEY NET RECOMMENDATION SCORE

-100%

-100% 0% +100%
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Recommendation score measures the loyalty between a provider and a consumer. It's at 100% if everybody recommends the provider, and at -100% when no one recommends.

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2 users don't recommend
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Highlights
Highlights
Community Rating

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Purchase APR  (Variable APR) 29.99%
Balance Transfer APR  (Variable APR) N/A
Credit Score Range 650 - 850
Annual Fee N/A

Guitar Center Gear Card Review

Guitar Center Gear Card is a store credit card issued by Synchrony Bank. If you're wondering whether Guitar Center Gear Card is the right card for you, read on. This is everything you need to know to make a good choice.

Key Takeaways
  • 0% APR on new purchases. New cardholders receive an introductory 0% APR rate on new purchases for up to 24 months.
  • High APRs. This is not a great card for people who carry a balance. It has a variable purchase APR of 29.99%
  • Fair or better credit required. You stand a chance of qualifying if your credit score is not below 650.
Guitar Center Gear Card Pros & Cons
The Good The Bad
  • Financing options available.
  • 0% APR on new purchases during the first 24 months.
  • Guitar Center Gear Card reports to multiple credit bureaus.
  • High interest rates
  • Higher than average purchase APRs.
  • Does not offer a signup bonus.
  • Does not offer rewards or cash back.
  • You don't earn rewards on every purchase.
  • Does not include many credit card benefits.
Guitar Center Gear Card FAQ

Is there a Guitar Center Gear Card cash back or rewards program?

No, Guitar Center Gear Card does not offer a rewards program.

What are the relevant APRs for Guitar Center Gear Card?

According to the Federal Reserve Board, the average interest rate is 15% for all credit cards and 17% for accounts that carry a balance. Guitar Center Gear Card has higher than average purchase APRs.

Guitar Center Gear Card has a variable purchase APR of 29.99%.

Does Guitar Center Gear Card have an introductory APR offer on balance transfers?

No, Guitar Center Gear Card does not come with an introductory APR offer for balance transfers.

Does Guitar Center Gear Card have an introductory APR offer on new purchases?

This card does offer an introductory APR rate of 0% on qualified purchases for a period of up to 24 months.

Guitar Center Gear Card Purchase Intro Offer
Description
Introductory Rate 0%
Purchase Intro APR Period (months) 24

What are the fees for Guitar Center Gear Card?

The following fees apply to Guitar Center Gear Card:

Guitar Center Gear Card Fees
Fees Amount
Annual Fee
Returned Payment Fee $28
Late Payment Fee up to $39

Does Guitar Center Gear Card report your account activity to credit bureaus?

Guitar Center Gear Card reports your account activity to the following credit reporting agencies:

  • Equifax
  • Experian
  • Transunion

Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and can help improve your credit.

How to apply for Guitar Center Gear Card

  • Visit the Guitar Center Gear Card website.
  • Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, and annual income.
  • Check the information is accurate and submit your application.
  • If you're denied click here to find out why your application may have been rejected and what you can do about it.

If your credit score is preventing you from qualifying for this credit card, check out our guide for the best credit cards for bad credit.

SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...
Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author’s alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.

Availability

  Available in 50 states and Washington, D.C.
  • Alabama
  • Alaska
  • Arizona
  • Arkansas
  • California
  • Colorado
  • Connecticut
  • Delaware
  • Washington, DC
  • Florida
  • Georgia
  • Hawaii
  • Idaho
  • Illinois
  • Indiana
  • Iowa
  • Kansas
  • Kentucky
  • Louisiana
  • Maine
  • Maryland
  • Massachusetts
  • Michigan
  • Minnesota
  • Mississippi
  • Missouri
  • Montana
  • Nebraska
  • Nevada
  • New Hampshire
  • New Jersey
  • New Mexico
  • New York
  • North Carolina
  • North Dakota
  • Ohio
  • Oklahoma
  • Oregon
  • Pennsylvania
  • Rhode Island
  • South Carolina
  • South Dakota
  • Tennessee
  • Texas
  • Utah
  • Vermont
  • Virginia
  • Washington
  • West Virginia
  • Wisconsin
  • Wyoming

Feature Breakdown

Eligible In-Store Purchases (Points) 5
Introductory Rate 0%
Purchase Intro APR Period (Variable APR) 24 months
No Interest Grace Period for Late Payment 23 days
Minimum Interest Charge $2
Returned Payment Fee $28
Late Fee Amount Up to $39
Customer Type Personal
Minimum Age 18
Military Status
  • Active Duty Military
  • Non-Military
  • Veterans
  • Military Dependent
Employment Statuses Considered
  • Employed Full-Time
  • Employed Part-Time
  • Other
  • Retired
  • Self-Employed
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Credit Score Range 650 - 850
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
Bonus Rewards Earn 5% back in Rewards on purchases made every day using your Gear Card.
Purchase APR (Variable APR) 29.99%
Card Type Store Card
Card Network Other

Guitar Center Gear Card Community Reviews

 

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SUPERMONEY NET RECOMMENDATION SCORE

-100%

-100% 0% +100%
No one recommends Everyone recommends

Recommendation score measures the loyalty between a provider and a consumer. It's at 100% if everybody recommends the provider, and at -100% when no one recommends.

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