Music & Arts Credit Card
Play Today.
Pay Over Time.
Get the name-brand musical instruments and gear you need with flexible financing options^
No Interest if Paid in Full Within 6 Months*
On qualifying online and in-store purchases of $199 or more made with your Music & Arts credit card. Interest will be charged to your account from the purchase date if the promotional balance is not paid in full within 6 months. Minimum monthly payments required.
Great for:
Upgrading Your Instrument
Outfitting Your Music Room
Discover Your Dream Instrument & Unlock Your Sound
Whether you’re a trumpet student who’s ready for a step-up horn, or a guitarist in search of the coolest amplifiers and effects, Music & Arts has you covered. No annual fee† and see if you prequalify with no impact to your credit score.
1
Select ‘See If You Prequalify’ to get started today
2
Shop for your instrument on musicarts.com
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Use the ‘Music & Arts Credit Card’ option at checkout
Explore our flexible financing options for musical instruments and gear today!
Manage Existing Synchrony AccountYour Neighborhood Music Store, Nationwide
- Musical instruments and gear for all musicians and budgets
- The biggest band and orchestra instrument retailer in the U.S.
- Shop online or visit one of our 250+ locations
- EZ-Pay system offers seamless, hassle-free automatic payments
- Quick credit decisions
- The nation’s largest instrument repair network, plus in-person customer support
0% Interest for 24 months**
On qualifying in-store purchase of $199 or more made with your Music & Arts credit card. Equal monthly payments required for 24 months.
Find a Store^ Subject to credit approval.
*Excludes the following: gift cards, rentals, lessons, Music Education Series (MES). Qualifying purchase amount must be on one receipt. Cannot be combined with promotional coupons. 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 07/31/2024: Purchase APR 34.99%. Penalty APR 39.99%. Min Interest Charge $2. Existing cardholders: See your credit card agreement terms. Subject to credit approval.
† 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.
**Excludes the following: gift cards, rentals, lessons, Music Education Series (MES). Qualifying purchase amount must be on one receipt. and cannot be combined with promotional coupons. No interest will be charged on amount financed 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. New Accounts as of 07/31/2025: Purchase APR is 34.99%. Penalty APR is 39.99%. Min Interest Charge is $2. Existing cardholders: See your credit card agreement terms. Subject to credit approval.