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Guitar Center Credit Card

Consumers must read the terms and conditions before applying for a Guitar Center credit card, which, like any other store credit card, has merits as well as demerits.

The card, issued in partnership with Capital One, N.A. , can make financing easy for a musical instrument purchased at a Guitar Center store near your location. The downside is that you may end up paying a hefty amount in interest if you fail to make payment in full within the specified promotion period.

Known by different names, such as Guitar Center Gear Card and Guitar Center Preferred Player Card, these cards can allow you to pay for a musical instrument purchase in flexible installments over a period ranging from 6 to 36 months.

It is possible to buy more than one product subject only to the credit available with your card. Each product is treated separately, so while you have paid off a product, you may still have balances due on other products.

Guitar Center Credit Card Application

You can apply for a Guitar Center gear card or preferred player card at any of its store located near you. Guitar Center is the largest retailer of musical instruments in the world, with about 260 locations in the United States alone.

Headquartered in Westlake Village in California, the company offers a wide selection of popular guitars, basses, amplifiers, drums, keyboards, workstations, percussion, microphones, stage lighting, DJ equipment and more.

What are the financing options?

A Guitar Center store may offer you any of the following financing plans in partnership with Capital One, N.A.

  • "Same as Cash"/Monthly Payment with promotion duration options of 6, 12, 15, 18, and 24 months – No interest is chargeable during the specified period, but interest will be imposed from the date of purchase if the items purchased are not paid in full within the period.
  • Waived Interest Charges/Monthly Payments with promotion duration options of 6, 12, 15, and 18 months – Interest is waived during the specified period and you only need to pay the interest accrued after the period has expired and you have not paid in full.
  • Waived Interest Charges/Equal Payment with promotion duration options of 6, 12, 15, 18, 24, and 36 months – Same as the previous one, but the minimum payments required as per your monthly billing statement must be equal.
  • Reduced Rate/Equal Payment with promotion duration options of 6, 12, 15, 18, 24, and 36 months – the promotional APR is applicable during the specified period, after which the rate will increase to the variable APR of 22.90%.

How to apply?

If you are musician or a music aficionado, you are not likely to have missed a visit to a Guitar Center store. The store is more than happy to offer you financing for anything you purchase there. The financing usually comes in the form of a credit card, which allows you to defer payment until the expiry of the promotional period.

To apply for a Guitar Center credit card, you can go to a store and fill out an application. Another way to apply is to download the application form from, fill it out and submit it to a Guitar Center store. Note you must make minimum payment to avoid a late fee or the accrual of interest during the period.

Guitar Center Credit Card Payment

The best way to pay Guitar Center credit card is to go online, though you can also pay by phone or mail. Note a fee may be applicable when you choose to pay by phone. The mailing address to send a check or money order is as follows.

Capital One, PO Box 5226,
Carol Stream, IL 60197-5226

For online payment, you must have the necessary login details to sign in to the Capital One payment portal First-time users must sign up to set their User Name and Password. With online account access, you can pay your bill, view your statement, receive email alerts, and obtain all necessary information pertaining to your credit card account.

To report an error in your statement or your dissatisfaction with the product you purchased using your credit card, you can write to the following.

Capital One PO Box 5893,
Carol Stream, IL 60197-5893

The Guitar Center credit card customer service phone number is 1-866-498-7882.

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