Guitar Center Credit Card ReviewReviews, rates, fees and rewards details for the Guitar Center Credit Card. Compare to other cards and apply online in seconds.John KiernanWalletHubNo membership feesHigh rewards rateQualify with fair creditHigh regular APRDeferred interest
This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Earn Rewards (Store Cards)." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs.
Guitar Center Credit Card has a rating of 3.3/5 according to our proprietary credit card rating system. This rating reflects how appealing Guitar Center Credit Card's terms are compared to a pool of more than 1,500 credit card offers tracked by WalletHub. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is 'Earn Rewards (Store Cards)'. To break it down further, Guitar Center Credit Card earned a score of 5.0/5 for Fees, 2.4/5 for Rewards, 3.3/5 for Cost, and 3.4/5 for User Reviews. Info about the Guitar Center Credit Card has been collected by WalletHub to help consumers better compare cards. The financial institution did not provide the details.
WalletHub Rating Breakdown
User Reviews
3.4/5
296 reviewsRead and write reviews
Editor’s Review
4.2/5
John Kiernan, Credit Card EditorRead full review
Market Comparison
Market Comparison
3.1
The Market Comparison is a key component of the WalletHub Rating, as it measures how appealing the terms of a card are compared to a pool of over 1,500 credit card offers monitored by WalletHub. To ensure cards are evaluated for their most relevant purpose, we score each card across various cardholder needs and select the rating for the need with the highest score, which is “Earn Rewards (Store Cards)” for this card.
Fees
5.0
Rewards
2.4
Cost
3.3
Other Features
0.0
3.1/5
Compared against 1,500+ credit cards
KEY TERMS
Accepted Credit Scores
Accepted Credit Scores
Excellent Credit, Good Credit, Fair Credit
Annual Fee
$0
APR on Purchases
0% intro APR for 6 - 48 months, 29.99% APR after that
Balance Transfer
Balance Transfers Not Allowed
Rewards
Earn 5 points for each $1 spent on in-store or online purchases made with your card.
Receive $10 in rewards with your statement for every 1,000 points earned, up to a maximum of $100 per certificate.
Use your certificates within 90 days to get the gear you want.
Guitar Center Credit Card's Additional Info
Deferred Interest Details: No interest if paid in full within 6 months. Minimum Monthly Payments required.
Limited time offer - Equal Monthly Payment Financing: 0% APR for 24 months on select brand purchases. Minimum purchase vary by brand
Limited time offer - Equal Monthly Payment Financing: 0% APR for 48 months on select brand purchases. Minimum purchase vary by brand.
5% back on all purchases. The Guitar Center Credit Card is what’s known as a store card, meaning you can only use it to make in-store and online Guitar Center purchases. But it’s definitely worthwhile for such spending, as each $1 charged to the card yields 5 rewards points, and every 1,000 points you rack up can be redeemed for $10 in store credit. In other words, you’ll get $10 in store credit for every $200 spent with the the Guitar Center Card, or 5% “cash” back. And that’s what the best store credit cards.
No initial bonus. This is one of the main things preventing the Guitar Center Gear Card (as it’s also known) from being one of the best store cards on the market. The best offers give you at least 15% off a purchase made the day of account opening, in addition to lucrative ongoing rewards. That means the Guitar Center Card is much better for Guitar Center regulars than people planning a single purchase – a new instrument, for instance.
Rewards certificates expire. Each month, you will receive a $10 rewards certificate for every $200 in purchases made that billing period. You’ll have to use those certificates fairly quickly, though, as they expire after 90 days. This is just another reason why you have to be a Guitar Center regular to truly benefit from the Guitar Center Credit Card.
Pass if you can’t pay in full. The Guitar Center Credit Card is not the answer for financing. For starters, it’s a bad choice for paying off big-ticket purchases over time because its offer of 0% interest for 6 - 48 months, depending on what you buy and how much it costs, is ruined by a dangerous feature called deferred interest. This feature allows interest to retroactively apply to your entire original purchase amount – like the 0% rate was never there – if you pay your monthly bill a day late or have an unpaid balance of even $1 when the card’s regular rate takes effect. And that regular rate dwarfs even the average APR for store credit cards: 30.16%. With that in mind, anyone who can’t pay their bill in full every month is better off with a general-purpose 0% credit card than the Guitar Center Gear Card.
For fair credit and up. The Guitar Gear Credit Card, like most store credit cards, requires at least fair credit for approval. So make sure to check your credit score for free on WalletHub before submitting an application.
Note: This review is not provided, commissioned or endorsed by any issuer. Opinions and ratings are our own.
This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Earn Rewards (Store Cards)." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs.
Editor’s Rating
4.2
User Reviews
3.4
Market Comparison
3.1
fees: 5.0
rewards: 2.4
cost: 3.3
Other Features: 0.0
4.3WalletHub Rating
WalletHub Rating
4.3
This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Earn Rewards." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs.
Editor’s Rating
4.2
Market Comparison
4.3
fees: 5.0
rewards: 4.1
cost: 4.5
Other Features: 0.0
4.4WalletHub Rating
WalletHub Rating
4.4
This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Earn Rewards." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs.
Editor’s Rating
5.0
User Reviews
3.1
Market Comparison
4.4
fees: 3.8
rewards: 4.7
cost: 4.7
Other Features: 0.0
(296)
(7)
(162)
annual fee$0
annual fee$0
annual fee$0
Purchase Intro APR0% for 6 - 48 months
Purchase Intro APRNot Offered
Purchase Intro APR0% for 15 months from account opening
transfer intro aprNot Offered
transfer intro aprNot Offered
transfer intro apr0% for 15 months from account opening on qualifying balance transfers|Transfer Fee:3% intro for 120 days, then up to 5% (min $5)
Can't find what you are looking for? Submit your question about Guitar Center Credit Card to our community. Editorial and user-generated content is not provided, reviewed or endorsed by the issuer of this offer. Please keep in mind that it is not a financial institution’s responsibility to ensure all posts and questions are answered. In addition, WalletHub independently collected information for some of the cards on this page.
Online: Log in to your online account and click on “Make a Payment.” Then, choose how much to pay, when to pay it, and where the payment is coming from. You can also pay without logging in, but you'll first have to register your account.
Through the mobile app: Download the mobile app, log in to your account and select your card, then tap “Make a Payment.”
Over the phone: Call (866) 396-8254 and enter your card information when prompted. Please note that making a payment over the phone with a representative involves a fee.
By mail: Send a check or money order (but not cash) to the following address: Synchrony BankP.O. Box 965003Orlando, FL 32896-5003
Payments through the mail take the longest to process. So, make sure to send it early enough that it will arrive by the due date. Write your credit card number on the check, too.
The Guitar Center Credit Card credit score requirement is 640 or better. That means people with fair credit or better have a shot at getting approved for the Guitar Center Credit Card.
You should note that while your credit score is an important factor, there are plenty of other things that will impact your chances of being approved for the Guitar Center Credit Card, too. Some other key criteria include your income, existing debt load, recent credit inquiries, number of open accounts, housing...
The credit limit for the Guitar Center Credit Card can be as low as a few hundred dollars, or as high as a few thousand. It depends on your creditworthiness, income and debt.
Synchrony Bank, the issuer, sometimes offers automatic credit limit increases after about six months. To request a credit limit increase, call Synchrony's customer service department at (800) 374-9700.
You cannot use your Guitar Center Credit Card anywhere. The Guitar Center Credit Card is what's known as a store card, meaning you can only use it to make in-store and online Guitar Center purchases.
You can use your Gear Card to buy pro audio equipment or any type of equipment they sell at Guitar Center for that matter. Keep in mind that clearance items do not qualify for the special financing promo and...
You can check your Guitar Center Credit Card application status by calling customer service at (866) 396-8254. When you call, you'll have to provide the application number so that the issuer can match you to your application.
How to Check Your Guitar Center Credit Card Application Status
Follow the automated prompts that lead to an application status check, or connect with a representative and tell them you'd like to check your application status.
Give the application number when asked.
The automated voice or customer service rep will tell you if your application is pending, approved, or denied.
Typically, you'll receive a decision on your application immediately after applying, though in some cases it might take up to 30 days. If you haven't heard back after 30 days, then call customer service to ask about the delay.
If the issuer denied you, there might still be some hope left. Ask the customer service representative for a reconsideration by explaining your situation. If they don't change their decision about your denial, consider becoming an authorized user on someone else's account.
It should take 7 to 10 business days to get the Guitar Center Credit Card after you get approved. Unfortunately, expedited shipping is not available for new cards.
However, if you need the card sooner, please note that you can start using the card right after approval. The card information will become available in your Guitar Center account, so you can use it for online and in-store purchases before you receive it in the mail.
Share your insights and review for the Guitar Center Credit Card
5
17%
4
30%
3
38%
2
9%
1
5%
3.4
296 reviews
296 reviews
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William @willnfp
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1 Star Rating
Verified Customer
I have made hundreds of transactions with this card. The card was good until one day I went to purchase an item and my account was closed for no reason. I used it frequently, mostly paying it off all the time, then suddenly it was closed with no reason or notification. I lost $50 worth of points because the certificates won't work without an active account.
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gian paolo @gpbruschi
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1 Star Rating
Verified Customer
I do not have this debit at all,I bought and returned a guitar in 1 week. I asked to close this debt but it seems still there and I lost 10 credit points
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0
0
curtis @foreverkurtis02
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4 Star Rating
Verified Customer
Good card just need more buying power!vbut otherwise great card for purchasing gear,I haven't had any problems with the use of this card!
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0
0
Thomas @tom_heher
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2 Star Rating
Verified Customer
Pros: Reward certificates and regular access to 0% financing. Cons: I didn't use it for a year and they cut my credit limit significantly, (10K to 4.5K). There were no other factors for the reduction. I have, and continue to have, high credit scores, no missed payments, and under 2% utilization.
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0
0
Harold @harolda_47
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5 Star Rating
Verified Customer
Excellent card great card to get started with what are the best cards I have ever had you should try... I didn't think I would be a fruit but I was thank you so much
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0
0
Maribeth @dolojanm
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4 Star Rating
Verified Customer
I always avail of their 0% interest offers and so far it has been working great for us. I will recommend the Guitar Center promotions.
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0
0
Jeremy @jeremyk_31
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5 Star Rating
Verified Customer
Jam out with out being empty. If your looking for a card that hits the sweet notes in that spot that rocks.. this is the card for you. God I hate word count minimums.
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0
0
Cat Conway @thiscat2022
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2 Star Rating
Good for snapping up a promo and getting a big ticket item, but don't expect to be allowed to keep it once you pay off your balance. My account was just closed after less than 3 weeks of having a $0 balance. No notice. No explanation. Nothing. Just got notified by credit karma of the closure - and that makes one less revolving account on my credit report. Thanks. I hate it!
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0
Michael @aksgeekfish
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5 Star Rating
Verified Customer
Always pay off my credit cards so that someday I’ll be able to build a new home. This is a great app and way for me to improve my credit score and learn more about managing my credit
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Richard @harrisonrichard261
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5 Star Rating
Verified Customer
Great card with very good rates it's a great place for me to shop for my equipment needs ...
* WalletHub is committed to transparency and editorial independence. The information about the following cards has been independently collected by WalletHub: Sam Ash Credit Card, Musician's Friend Credit Card, and Guitar Center Credit Card
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