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Guitar Center Credit Card Review

Guitar Center Gear Card
Card Category: Consumer
Card Type: See terms
Credit Needed: Fair Credit
Card Rating:
Guitar Center offers a lot of financing plans to meet different purchasing needs of all the amazing musical instruments they sell. Card holders get to enjoy exclusive discounts and granted access to many useful benefits. The company has a list of qualifying brands that entitle card holders to even gaining more benefits. There are specific promotions only available for Gear Card holders. With every purchase Gear Card holders will earn reward points that are still combinable with special financing offers. Gear Cards can be used online on in store and will earn you 5% back on your purchases.

Guitar Center Gear Card Details


  • Earn 5 points for each $1 spent on in-store or online purchases made with your Gear Card9
  • Receive $10 in Rewards with your statement for every 1,000 points earned, up to a maximum of $100 per certificate9
  • Use your certificates within 90 days to get the gear you want9


Max. Rewards: N/A
Sign-up Bonus: Receive $10 in rewards with your statement for every 1,000 points earned, up to a maximum of $100 per certificate.9


Purchase Intro APR: 0% intro APR (6 - 48 months if paid in full)9
Purchase Regular APR: 29.99%9
Cash Advance Fee: See terms
Cash Advance Regular APR: See terms
Balance Transfer Intro APR: See terms
Balance Transfer Regular APR: See terms
Balance Transfer Fee: See terms
Annual Fee: N/A9

Guitar Center Credit Card Benefits

A Guitar Center Credit Card has a lot of benefits. Every $1 spent online or in store, will grant card holders 5 reward points. When you have 1000 reward points in your statement, you will be offered $10 in rewards with your statement, with a maximum of $100 per certificate. The certificate is valid for 90 days so that you can pick up the music gear of your choice.

The card has no annual fees and easy monthly installments. You will not pay any interest for up to 36 months for purchases of $499 or more. However this is only available for specific brands. You can check the company's website for eligible brands. For promotional purchases, 0% interest is available only for 12 months. There is also a 0% interest on Fender Custom Shop purchases that are worth more than $2999.

Guitar Center Gear Card Drawbacks

The benefits apply only to single-receipt purchases. Many items and brands are excluded. Some promotion offers can't be combined with other options.

The problem is that the card always comes with a lot of exceptions. There is only a number of brands that are eligible for the 0% financing plan, even if you are a card holder. So, if you decided to apply for this card to buy a certain musical gear, it is very important to check if this particular brand is included or excluded in the zero percent financing plans. If for any reason, you didn't pay the full debt money during the prep-stated period, the interest will be applied from the day of the purchase. The APR is very high, amounting to 29.99%.

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