Buy Now, Pay Over Time^

No Interest if Paid in Full Within 6 or 12 Months*

On purchases of $0 – $699 or $700 or more made with the Synchrony Music Credit Card. Interest will be charged to your account from the purchase date if the promotional balance is not paid in full within 6 or 12 Months. Minimum monthly payments required.

No Interest for 24 or 36 Months**

On purchases of $1000 or $2000 or more made with your Synchrony Music Credit Card. Equal monthly payments required for 24 or 36 months .

Applying is quick, easy and secure

1. Apply
Fill out a secure online application now or at checkout.
Apply Now
2. Credit Decision
You’ll get an instant credit decision shortly after you submit the application.
3. Shop
If you’re approved, we’ll send you a temporary account number and you can start shopping right away.
Manage your account with Synchrony.
Make payments, view your balance, update account information and schedule up to 12 payments at a time.

Frequently Asked Questions

How do I apply for a Synchrony Music Credit Card?

You can apply for a Synchrony Music Credit Card by filling out an application online.

How do I manage my Synchrony Music Credit Card?

Log in to your account at mysynchrony.com to view your balance, schedule payments and view
previous purchase activity.

How do I make a payment on my Synchrony Music Credit Card?

Pay Online: Log in to your account on mysynchrony.com, click “manage my account,” and then click
“payments.”

Pay By Phone: Contact Synchrony Bank Customer Service 1-866-396-8254 Mon – Sunday 8:00 am
to 12:00 midnight EST to make a payment by phone.

Pay By Mail: Mail payment to the address below. Please note: ensure that you have plenty of time for
your payment to arrive prior to the payment due date.
Synchrony Bank
P.O. Box 960061
Orlando, FL 32896-0061

^Subject to credit approval.
* Qualifying purchase amount must be on one receipt.> <Discounts may result in the qualifying purchase amount not being satisfied.> 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. For New Accounts: Purchase APR is 29.99%. Minimum Interest Charge is $2. Existing cardholders: See your credit card agreement terms. Subject to credit approval.
**Qualifying purchase amount must be on one receipt. No interest will be charged, and equal monthly payments are required on promo purchase until it is paid in full. The payments equal the initial total promo purchase amount 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. Regular account terms apply to non-promo purchases. For new accounts: Purchase APR is 29.99%. Minimum interest charge is $2. Existing cardholders: See your credit card agreement terms. Subject to credit approval. We reserve the right to discontinue or alter the terms of this offer anytime.