THE CARDTUNED DATABASE
Guitar Center Gear Card
Issuer: Synchrony
5 points per $1 on eligible Guitar Center purchases, issued as $10 reward certificates for each 1,000 points
- Annual fee
- $0
- Foreign transaction fee
- Not applicable — closed-loop/store account
- Intro APR
- Promotional equal-payment financing may be available on qualifying products; term, eligible brands and end date vary by offer.
- Regular APR
- 34.99% purchase APR for new accounts as of 2025-07-31
Full card review date:
This date covers the full card review. Individual terms may have been checked separately afterward; see dates noted in the terms and offer below.
Earning rates
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| Category | Rate | Eligible purchases and conditions |
|---|---|---|
| Eligible purchases | 5 points | per $1 on eligible Guitar Center purchases, issued as $10 reward certificates for each 1,000 points |
Additional benefits
• $10 reward certificate for every 1,000 points earned
• Certificates may be combined with eligible promotional offers
• Special financing automatically applies to qualifying purchases
• Prequalification without impact to the credit bureau score
Restrictions to know
Points expire 12 months after they are earned, and certificates expire 90 days after issuance. Certificates are capped at $100 each and redemption is capped at $500 per transaction. Strymon, Waldorf and Nord, gift cards, services, tax and shipping are excluded. The account must be open, in good standing and not more than two payments past due.
Who can apply
Subject to Synchrony credit approval and identity verification; U.S. application and product-specific requirements apply.
Credit profile: Issuer underwriting applies; no universal public score cutoff