Make your music dreams possible
Get what you need — from instruments to sound equipment and more — and start playing today with the Synchrony Music & Sound credit card.*
Synchrony partners with top music brands and stores to bring you a way to pay with convenient monthly payments and exclusive offers. See if you prequalify with no impact to your credit score and find a location that accepts the card below!
The Synchrony Music & Sound credit card is not accepted at all music retailers included in the locator. Ask yours for details.
Create now, pay over time
It’s safe and secure
With $0 fraud liability and no annual fee.**
Special financing
Exclusive Special Financing options may be available*; see a music retailer near you for details.
Music retailers nationwide
Find the equipment and supplies you need across 1000+ music retailers nationwide.
Play now, pay over time
With the Synchrony Music & Sound credit card pursue your passions and enhance your creativity with convenient monthly payments* on some of your favorite gear such as:
- Guitar
- Percussion Instruments
- Sound Equipment
- Digital Keyboards
Synchrony Music & Sound is a preferred credit card for:
Other cards for music lovers
If you shop for most of your music needs at Sweetwater Music or Guitar Center, you may consider one of these retailer-specific cards. These credit cards are not accepted at all music retailers in the locator. Learn more details below.
Payment calculator
Estimate your monthly payments
Make the best decision on how to budget your purchase with our convenient payment calculator for the Synchrony Music & Sound credit card.
Enjoy even more benefits with Synchrony music cards
- $0 fraud liability
- No annual fee**
- Free access to Your Credit Score1
- Mobile app (iOS & Android)
Explore deals
With your Synchrony Music & Sound credit card, you can take advantage of flexible financing and deals from our partners.
Shop deals
Manage on the go
The MySynchrony app for iOS and Android lets you manage your account and find nearby retailers and offers anywhere, anytime.1
Music & Sound credit card FAQs
Have questions? We have answers.
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Alerts are one-way communications via email or text message about your account. Log in now and set up alerts to stay on top of your account and to track your daily spending.
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If you received your card with a sticker on the front of it, you will need to call the number listed on the sticker to verify your information and activate your account.
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With Autopay, you can have your payment automatically deduct from your bank account each month on your payment due date. The payment will be the amount you select: either the Statement Balance, the Total Minimum Payment Due or a self-selected (other) amount.
*Subject to credit approval. Check with your music retailer for details.
**For new accounts as of 7/31/25: Purchase APR 34.99%. Penalty APR 39.99%. Min Interest Charge $2. Existing cardholders: See your credit card agreement terms. Subject to credit approval.
1Credit score is provided by TransUnion and is available by accessing the online account service site at https://www.synchrony.com/accounts/?client=paysol. Scores are available online only to primary cardholders with an open account.