Guitar Center Gear Card

Guitar Center Gear Card Review

This is a store rewards card issued by Synchrony Bank. If you're wondering whether Guitar Center credit card is the right card for you, read on.

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 odds if your credit score is above 650.

Pros & Cons of Guitar Center credit card

The Good	The Bad
Financing options available. 0% APR on new purchases during the first 24 months. There is then a variable purchase APR of 29.99%. 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. You don't earn rewards on every purchase. 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
Signup Bonus ($)	N/A
Annual Loyalty Bonus	$10
Annual Loyalty Bonus Spend Requirement	$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. This card has higher than average regular APRs.

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

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.

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.