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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

This product is strongly not recommended by SuperMoney users with a score of -100, equating to 1 on a 5 point rating scale.

-100

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
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 $0

Guitar Center Gear Card Review

This is a store rewards credit card issued by Synchrony Bank. If you're wondering whether Guitar Center credit card is the right card for you, read on. This review will provide you with with all the details you need 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%
  • No annual fee*. This is a great option for people looking for a low-maintenance rewards card. It gives you rewards on your purchases, but you don't have to pay an annual fee for the privilege.
  • Fair or better credit required. You will have good approval oods if your credit score is above650.
Pros & Cons of Guitar Center credit card
The Good The Bad
  • Financing options available.
  • 0% APR on new purchases during the first 24 months.
  • No annual fee.
  • Cardholders can earn rewards on their purchases.
  • 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 include many credit card benefits.
Guitar Center credit card FAQ

Does Guitar Center credit card have a cash back or rewards program?

Guitar Center credit card is a rewards card.

Guitar Center credit card Rewards
Rewards rate (all purchases) N/A
Max rewards rate N/A
Annual rewards limit N/A
Annual Loyalty Bonus $10
Annual Loyalty Bonus Spend Requirement $1000

Does Guitar Center credit card have a signup bonus?

This card doesn't offer a cash signup bonus.

Does Guitar Center credit card offer an annual loyalty bonus?

Yes, it offers cardholders an annual bonus worth up to $10 after spending $1000.

What are the Guitar Center credit card benefits?

It provides the following benefits:

  • Zero fraud liability
  • Reports to major credit bureaus

What are the relevant APRs for Guitar Center credit card?

According to the Federal Reserve Board, the average regular APR is 15% for all credit cards and 17% for accounts that carry a balance. It has higher than average regular APRs.

It has a variable purchase APR of 29.99%.

Does Guitar Center credit card have an intro APR offer on balance transfers?

No, it does not come with an intro APR offer for balance transfers.

Does Guitar Center credit card have an intro APR offer on new purchases?

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

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

What are the fees for Guitar Center credit card?

The following fees apply:

Guitar Center credit card Fees
Fees Amount
Annual Fee $0
Returned Payment Fee $28
Late Payment Fee up to $39

This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost rewards card.

What is the customer service phone number for Guitar Center credit card?

The Guitar Center credit card customer service number is (866) 226-5638.

What is the support contact email for Guitar Center credit card?

The support contact email for Guitar Center credit card is customer.service@mail.synchronybank.com.

How do people rate the customer service and user experience of Guitar Center credit card?

Overall, Guitar Center credit card is strongly not recommended based on community reviews that rate customer service and user experience.

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

Yes, 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 may help improve your credit.

How to apply for Guitar Center credit card

  • Visit the Guitar Center credit 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 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.

Message From Synchrony Bank

As an FDIC-insured online bank, we’re unburdened by the expense of traditional brick-and-mortar branches. That means we can pass those savings on to our customers through our market-leading rates. We’re a part of Synchrony—a Fortune 500 company that’s been helping consumers reach for what’s important for more than 80 years. We’re also the leading provider of private-label credit cards in the United States, so we might already be in your wallet supporting one of your favorite retailers.

The Gear Card Rewards Program is automatically available for your Guitar Center Gear Card account, if it is open, in good standing and not more than two (2) payments past due, both at the time points are earned and at the time Gear Card Rewards Certificates are issued and redeemed. The Gear Card Rewards program is free.

Contact

Hours of Operation

  • Sunday 8:00am - 12:00am
  • Monday 8:00am - 12:00am
  • Tuesday 8:00am - 12:00am
  • Wednesday 8:00am - 12:00am
  • Thursday 8:00am - 12:00am
  • Friday 8:00am - 12:00am
  • Saturday 8:00am - 12:00am

Other Services by Synchrony Bank

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View all personal credit cards offered by Synchrony Bank

Availability

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

Feature Breakdown

Eligible In-Store Purchases (Points) 5
Every Purchase (Points) Earn 5 points for each $1 spent on in-store or online purchases made with your Gear Card
Introductory Rate 0%
Purchase Intro APR Period (Variable APR) 24 months
No Annual Fee
Annual Fee $0
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
  • Other
  • Employed Full-Time
  • Employed Part-Time
  • Self-Employed
  • Retired
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Credit Score Range 650 - 850
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
Credit Card Benefits
  • Fraud Liability
Annual Loyalty Bonus $10
Annual Loyalty Bonus Spend Requirement $1,000
Rewards Categories
  • 5x Points on In-Store Eligible Purchases
Balance Computation daily balance
Purchase APR (Variable APR) 29.99%
Card Type
  • Rewards
  • Store Card
Card Network Other

Guitar Center Gear Card Community Reviews

 

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SUPERMONEY NET RECOMMENDATION SCORE

This product is strongly not recommended by SuperMoney users with a score of -100, equating to 1 on a 5 point rating scale.

-100

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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