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Card1/4 on file
Annual fee: issuer restricts access
Synchrony Bank / Synchrony Financial · Card

Guitar Center Gear Card

The Guitar Center Gear Card is a credit card from Synchrony Bank / Synchrony Financial. Synchrony Bank / Synchrony Financial's site does not let us read its terms, so we leave the annual fee blank — check it on Synchrony Bank / Synchrony Financial's own site. Here is what we hold on it, and what we do not.

Top earn rate5xon in-store or online purchases made with your Gear CardChecked guitarcenter.com
Apply on Synchrony Bank / Synchrony FinancialCompare this card
Opens Synchrony Bank / Synchrony Financial’s site

Bank with branches in: Utah (1). Where it has branches is not a rule on who may apply.

Source: FDIC BankFind (api.fdic.gov) · read Oct 7, 2026

Ledger entry

The receipt

Every cost line we hold for the Guitar Center Gear Card, exactly as recorded.

Annual fee
Not confirmedWe couldn't verify this · check with the issuer
Supplementary card
Not confirmed
Foreign transaction
Not confirmedIssuer restricts access — check their site
Purchase APR
34.99%Checked files.consumerfinance.gov
Income requirement
Not confirmed
Network
Not confirmed
Credit needed
Not confirmed
Sign-up

The welcome offer

No welcome offer on file

We hold no published welcome offer for the Guitar Center Gear Card. That may mean there isn’t one, or simply that we have not recorded it — Synchrony Bank / Synchrony Financial’s own page is the place to check.

We couldn't verify this · check with the issuer
Rewards

What it earns

Published category multipliers for the Guitar Center Gear Card.

CategoryEarn rateCap
in-store or online purchases made with your Gear Card5xNo cap on file
Checked guitarcenter.com
Next step

Ready to apply for the Guitar Center Gear Card?

You'll finish the application on Synchrony Bank / Synchrony Financial's own site. Terms can change without notice, so check the fee and offer there before you commit.

Apply nowOpens Synchrony Bank / Synchrony Financial’s site
Questions

Questions about the Guitar Center Gear Card

How much is the Guitar Center Gear Card annual fee?

We could not verify the Guitar Center Gear Card's annual fee, so we do not print one. Check the current annual fee on Synchrony Bank / Synchrony Financial's own site before you apply.

What does the Guitar Center Gear Card earn?

The Guitar Center Gear Card earns 5x on in-store or online purchases made with your Gear Card. The full table is on this page.

What network is the Guitar Center Gear Card on?

We hold no card network on record for the Guitar Center Gear Card. The network determines where a card is accepted and which network-level benefits apply, so confirm it with Synchrony Bank / Synchrony Financial before you apply.

Is the Guitar Center Gear Card available in United States?

Yes — the Guitar Center Gear Card is issued by Synchrony Bank / Synchrony Financial and is available to eligible applicants in United States. Approval depends on the issuer's own credit and income criteria.

When were the Guitar Center Gear Card figures last checked?

We checked its purchase APR in October 2026 and its earn rates in September 2026, each against a published document. Synchrony Bank / Synchrony Financial's site restricts access, so we could not check: foreign transaction fee. We could not verify, so we do not print: annual fee and welcome offer. Check them with Synchrony Bank / Synchrony Financial. Terms can change without notice, so confirm the current details with Synchrony Bank / Synchrony Financial before you apply.