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Gear Card Essentials Card

Now thru Dec. 3, 2025

Earn 10% back In Rewards**

when you spend $499+ with your Gear Card

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See if you prequalify

Instant decision, no credit score impact.

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Get your dream gear with a Gear Card.

Gear Card Rewards Program

Earn 5 points for each $1 spent on in-store or online purchases made with your Gear 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

Financing Offers

^†Select Brands

FAQs

How do I join the Gear Card Rewards Program?

The Gear Card Rewards Program is automatically available for your Guitar Center Gear Card account, if it is open, in good standing and not more than two payments past due, both at the time points are earned and at the time Gear Card Rewards Certificates are issued and redeemed. The Gear Card Rewards Program is free.

Where can I find the Terms & Conditions for the Gear Card Rewards Program?

Full program Terms & Conditions can be found at guitarcenter.com/gearcardrewards.

How are Rewards points calculated?

You will earn five points for every one dollar spent. If returns and adjustments exceed purchases in any billing statement period, this could result in negative Rewards points. Once you accumulate 1,000 points (or $200 in purchases), you will earn a $10 Rewards certificate or 5% in Rewards. You will continue to earn Rewards certificates in $10 increments, up to $100 per certificate, for every 1,000 points earned. Additional points may be earned during periodic special promotions, such as 2x points, determined at Guitar Center’s discretion.

When did I start earning points toward Rewards?

As of October 14, 2016, points began accruing toward rewards with purchases made with your Gear Card.

I made a purchase at Guitar Center today, when will I get my points?

Points will be awarded to your account at the time of your credit card billing cycle (if they have posted to your account) and will appear on your monthly statement. Points will remain in pending status for up to three billing periods. You can check your points balance by calling 866-396-8254, entering your account number, and pressing zero or saying “agent” to speak to a representative.

When will I get my certificates?

Gear Card Rewards certificates will be issued up to three billing periods after your net Rewards points balance equals or exceeds 1,000 points. You will receive your certificates with your credit card statement in the mail and via email if we have your email address. Please visit mysynchrony.com to confirm your email address if you would like to receive your Rewards certificate(s) via email. If you receive electronic statements, you can also go online to mysynchrony.com and download or print your statements and Rewards certificate(s) once issued. Your Rewards points balance will automatically be reduced by 1,000 Rewards points for every $10 in Gear Card Rewards issued to you. Gear Card Rewards expire 90 days after issuance.

Where can I use my Gear Card Rewards certificates?

To redeem Gear Card Rewards, you must come to a Guitar Center store, go online to guitarcenter.com or call 866-498-7882 by the expiration date shown on the Gear Card Rewards certificate. Gear Card Rewards redeemed in-store must be surrendered at time of purchase. To redeem Gear Card Rewards online at guitarcenter.com, you must enter the barcode number printed on the Gear Card Rewards certificate. You can redeem multiple Gear Card Rewards on a single transaction. A limit of $500 in Gear Card Rewards can be redeemed per transaction. Gear Card Rewards can be combined with any promotional offer. If the value of a purchase is less than the value of the Gear Card Rewards being redeemed, then any remaining Gear Card Rewards balance will be forfeited. Gear Card Rewards cannot be credited to an account or redeemed for cash.

How many certificates can I use at one time?

There is no limit on the number of certificates that may be redeemed. However, the maximum total of all certificates may not exceed $500 per transaction.

Can I let someone else use my Gear Card Rewards certificate?

Yes, Gear Card Rewards certificates may be used by someone other than the cardholder to whom the certificate was issued. However, Gear Card Rewards are not "gift certificates" and are not intended for gift-giving purposes. Gear Card Rewards cannot be used to purchase Guitar Center gift certificates.

More Options

You can now pay later with PayPal for your Guitar Center purchases. Choose a Pay Later offer when checking out with PayPal.

B2B Program

Reserved for our professional clients, our Business-to-Business Program allows you and other authorized users to make purchases in any store throughout the country and receive one monthly bill. Having an established account also allows us to facilitate quick and easy solutions to your equipment emergencies when you're on the road.

Learn More

Essentials Card

If you did not qualify for the Gear Card, you may still qualify for a secondary form of credit. Our Essentials Card is often the right choice for people who may not have an extensive credit history or have had trouble getting financing in the past. This is an in-cart offer for those who have not qualified for the Gear Card.

Pay Your Essentials Card

Lease-to-own

Less than perfect credit? Lease-to-own is a convenient way to get the items you want now–without a big upfront payment or a long-term commitment. Progressive Leasing offers affordable payments and flexible choices on how to purchase your items.

More Details

**Subject to credit approval. Purchases made between 11/13-12/3/2025 will earn 10% in Rewards instead of 5% as set forth in your Rewards Program Terms. See your Rewards Program Terms or visit guitarcenter.com/gearcardrewards.

*Excludes the following: Special orders, gift cards, Guitar Center Rentals, Guitar Center Lessons, Guitar Center Repairs, used items, vintage items, open-box items, clearance items and any purchase where a manual discount is taken at register. Qualifying purchase amount must be on one receipt and cannot be combined with promotional coupons. No interest will be charged and equal monthly payments are required on promo purchase until it is paid in full. The payments equal the amount financed divided by the number of months in the promo period, rounded up to the next whole dollar. These payments may be higher than the payments that would be required if this purchase was a non-promo purchase. During the last month(s) of the promo period the required monthly payment may be reduced due to the prior months’ rounding. Regular account terms apply to non-promo purchases. For New Accounts as of 7/31/2025: Purchase APR is 34.99%. Penalty APR 39.99%. Min Interest Charge $2. Existing cardholders: See your credit card agreement terms. Subject to credit approval. Offer available 11/13-12/3/2025.

^Offer applies only to single-receipt qualifying purchases, excluding the following: Special orders, gift cards, Guitar Center Rentals, and Guitar Center Lessons. No interest will be charged on the promo balance if you pay it off, in full, within the promo period. If you do not, interest will be charged on the promo balance from the purchase date. The required minimum monthly payments may or may not pay off the promo balance before the end of the promo period, depending on purchase amount, promo length and payment allocation. Regular account terms apply to non-promo purchases and, after promo period ends, to the promo balance. New Accounts as of 07/31/2025: Purchase APR 34.99%. Penalty APR 39.99%. Min Interest Charge $2. Existing cardholders: See your credit card agreement terms. Subject to credit approval.