Guitar Center Credit Cards: Apply, Benefits, and Reviews

If you're a music enthusiast, you're likely familiar with Guitar Center, one of the largest music retailers in the world. Guitar Center offers a credit card program that can help you save money, earn rewards, and make purchases easier.

The Guitar Center credit card is issued by Synchrony Bank and can be applied for online or in-store. You can also check your eligibility for a credit card by visiting Guitar Center's website.

To be eligible for a Guitar Center credit card, you'll typically need to have a good credit history and meet certain income requirements. The credit card application process is straightforward and can be completed in just a few minutes.

You can make Guitar Center Credit Card payments online, by phone, through the Synchrony Bank mobile app, or by mail.

The online payment process involves logging in to your online account and clicking on "Make Payment." You can also set up automatic payments.

To make a payment by phone, call (866) 396-8254 and enter your card information when prompted.

The Synchrony Bank mobile app allows you to make payments by logging in to your account and selecting your card, then tapping "Make a Payment."

You can also pay by mail by sending a check or money order to Synchrony Bank, P.O. Box 960013, Orlando, FL 32896. Be sure to write your credit card number on the check and send it early enough to arrive by the due date.

Here are the payment methods summarized:

A 25% down payment is required for the installation of the guitar at Guitar Center.

Applying for a Guitar Center credit card is a straightforward process that can be completed online or in-store.

You can apply online by visiting the Guitar Center website and filling out the application form, which typically takes around 5-10 minutes to complete.

To be eligible for a credit card, you must be at least 18 years old and have a valid Social Security number.

Approval is usually granted within a few minutes, but in some cases, it may take up to 7-10 business days.

Checking your application status can be a frustrating process, but it's a crucial step in getting the information you need. You can check your application status by calling the issuer's customer service at (866) 396-8254.

To check your status, you'll need to provide your application number, which will help the issuer match you to your application. This is a straightforward process that can be completed with a quick phone call.

If you prefer to speak with a representative, you can ask to be connected with one, and they'll be happy to assist you. They'll need your application number to check your status.

Here are the steps to check your application status:

By following these simple steps, you'll be able to get the information you need and move forward with your application.

Getting your Guitar Center Credit Card approved is just the first step - now you're wondering how long you'll have to wait to get your hands on it. It should take 7 to 10 business days to receive your card after approval.

You can start using the card right away, though. Your card information will be available in your Guitar Center account, so you can use it for online and in-store purchases before the physical card arrives.

Unfortunately, expedited shipping isn't an option for new cards.

If your Guitar Center Credit Card application is denied, you'll likely receive a letter from Synchrony Bank explaining the reason. The letter might mention a low credit score, not enough disposable income, or too much debt as the cause.

You can try calling Synchrony Bank's customer service at 1-866-419-4096 to get further clarification on the denial.

Possible reasons for a denied application include a credit score that's too low. Your credit score plays a significant role in determining your creditworthiness.

Here are some possible reasons your application might have been denied:

Earn 5 points per $1 spent in-store or online with the Guitar Center credit card.

You can receive $10 in rewards with your statement for every 1,000 points earned, up to a maximum of $100 per certificate.

No membership fees are required to use the credit card.

Guitar Center Credit Card Special Financing Offers are available to Preferred Player credit card holders, allowing for special financing options on purchases.

You can apply for the credit card online or in person at your nearest Guitar Center, and make qualifying purchases with special financing deals.

A 25% down payment is required for the installation of a guitar at Guitar Center, and items will be picked up and you will be charged the balance if you do not pay it in 30 days.

Guitar Center offers exclusive financing deals with their Gear Card.

You can apply online or in person at your nearest Guitar Center to get a Gear Card.

A 25% down payment is required for the installation of a guitar at Guitar Center.

The Guitar Payments Calculator Tool is a free tool that helps you determine which guitar to purchase.

Guitar Center accepts Zip and QuadPay as payment methods, allowing you to make payments in installments.

You can pay for your next purchase at Guitar Center in installments of 4 over 6 weeks using Zip.

Quadpay allows you to pay for your purchases using your current credit or debit card.

Guitar Center also offers a variety of financing options to fit your needs.

You can pay with your Guitar Center Credit Card online, by phone, via your mobile app, or by mail.

Automatic payments can be set up in addition to online payments.

Guitar Center Credit Card Special financing offers are only available to Preferred Player credit card holders.

Once you've been approved, you can begin shopping right away.

You can obtain special financing options for the purchase of musical instruments, accessories, and equipment at Guitar Center.

Guitar Center accepts VISA, MasterCard, American Express, Discover, and the Guitar Center Gift Card, as well as eGift Cards and the Guitar Center Gear Card.

The cost of your lease will be determined by the price of the equipment and the length of time it will take to purchase it.

You'll earn 5 points per $1 spent in-store or online, which is a pretty high rewards rate. This means you'll rack up points quickly, making it easier to redeem rewards.

The rewards program is straightforward: receive $10 in rewards with your statement for every 1,000 points earned, up to a maximum of $100 per certificate. This is a great way to get the gear you want without breaking the bank.

Certificates are valid for 90 days, so be sure to use them within that timeframe to get the most out of your rewards. This gives you plenty of time to plan and shop for what you need.

To qualify for a Guitar Center credit card, you'll need good to excellent credit, with a minimum credit score of 640.

Applicants must also have a steady income and a history of making on-time payments.

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.

You can request a reconsideration by calling 1-866-226-5638, but it's not a guarantee.

To request a credit limit increase, call Synchrony's customer service department at (800) 374-9700.

The Essentials Card is an option for those who may not have an extensive credit history or have had trouble getting financing in the past.

The Guitar Center Credit Card has a rewards program that's definitely worthwhile for frequent shoppers. You'll get 5% back on all purchases, which translates to $10 in store credit for every $200 spent.

However, there's no initial bonus, which means you won't get any discounts on your first purchase. This might be a drawback for people planning a single big purchase, like a new instrument.

One thing to keep in mind is that rewards certificates expire after 90 days, so you'll need to use them quickly to avoid losing out on the rewards. This is another reason why the card is best suited for regular Guitar Center customers.

If you're not able to pay your bill in full each month, this card might not be the best choice for you. The 0% interest offer can be ruined by deferred interest, and the regular rate is a steep 33.09%.

Reviews can provide valuable insights into a credit card's performance, and the Guitar Center Credit Card is no exception. The card has received 297 reviews from users, which can be a good starting point for your research.

The rewards program is a major selling point for the card, offering 5% back on all purchases. However, this reward is only redeemable for store credit, not cash.

Some users have praised the card's rewards program, citing its ease of use and flexibility. Others have noted that the rewards certificates expire after 90 days, which can be a drawback for those who don't plan to make frequent purchases.

If you're considering applying for the Guitar Center Credit Card, be aware that it's not the best choice for financing big-ticket purchases. The card's 0% interest offer is marred by a feature called deferred interest, which can lead to high interest rates if you don't pay your bill in full.

To qualify for the card, you'll need at least fair credit, which is a relatively accessible credit score. You can check your credit score for free on WalletHub to see if you're eligible.

Here are some key takeaways from the reviews:

If you're looking for alternatives to the Guitar Center Credit Card, there are several options worth considering. The Prime Visa, for example, has a WalletHub rating of 4.3, which is higher than the Guitar Center Credit Card's rating of 3.3. This suggests that the Prime Visa may offer more benefits to cardholders.

The Prime Visa also offers a $100 Amazon gift card as a bonus offer, which could be a nice perk for frequent Amazon shoppers. In contrast, the Guitar Center Credit Card does not offer a bonus offer.

Here's a comparison of the fees associated with these cards:

The Wells Fargo Active Cash Card has a higher Editor's Rating of 4.9, indicating that it may be a more competitive option. However, it's worth noting that the fees associated with each card are subjective and may vary depending on individual needs and preferences.