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Earn $50 in Bonus Bucks** when you open a Sweetwater Card. Offer valid now through June 8, 2026. Exclusions apply. Earn $50 in Bonus Bucks** when you open a Sweetwater Card. Offer valid now through June 8, 2026. Exclusions apply.

Sweetwater Card

Here’s how it works:

  • 0% APR with 48 equal monthly payments* on qualifying purchases of $499 or more!
  • 0% APR with 24 or 36 equal monthly payments* on qualifying purchases of $399 or more!

Please note: Some manufacturers may have their own minimum purchase requirements.

Why wait? Apply now and pay over time!

The Sweetwater Card

Why the Sweetwater Card is so... sweet:

  • 0% interest with up to 48 equal monthly payments* for qualifying purchases. Promotional financing options, minimum purchase amount, and offer period may vary by brand. See below for our list of brands!
  • Choose promotional financing or earn 5% back in Bonus Bucks† on qualifying purchases of $99 or more when you use your Sweetwater Credit Card.
  • Hundreds of participating music brands.
  • Quick & easy to apply.
  • Use your approved credit amount to buy the gear of your dreams...today!
  • See if you prequalify with no impact to your credit score.
Prequalify Now

See if you prequalify:
Get a decision in seconds with no impact to your credit score.

Apply Now

Apply for the Sweetwater Card
Ready to apply? Enjoy up to 48 months* promotional financing on qualifying purchases!

Manage Account

Already a cardholder?
You can easily check your balance, view statements, and make payments securely on Synchrony's website.

The reviews are in...

Getting an instrument with the Sweetwater card makes it so so easy for me to get a more highly prized guitar. Thank you, Sweetwater!

Michael T.

The financing option was simple and quick! My equipment arrived within 2 days. Thank you!

Matthew P.

I got an MPC Live and I love it – especially with 24 months and no interest! Wow! I’ll be a returning customer for sure!

Matthew S.

These popular items qualify for special financing with your Sweetwater Card

Learn How Product Photo DJI Osmo Pocket 3 Creator Combo
$539.00
Learn How Product Photo Manhasset Model 48 Symphony Music Stand 6-pack - Black
$325.50
Learn How Product Photo ToneWoodAmp ToneWoodAmp2 Acoustic-electric Guitar Multi-effects Processor
$310.00
Learn How Product Photo Tech 21 SansAmp Bass Driver DI V2 Pedal
$269.00

Your favorite brands offer special financing through the Sweetwater Card

No results in promotional financing.

Sorry, we can't seem to find the brand you are looking for. However, 6 month deferred interest is available on all brands when you use your Sweetwater Card. See below for details.

0% Interest for 48 Months*

On purchases of select manufacturers' products made with your Sweetwater Card on invoices of $499+ now through the expiration dates listed below. Minimum purchase amount may vary by brand. Equal monthly payments required for 48 months.

Already a Cardholder? You can easily check your balance, view statements, and make payments securely on Synchrony Bank's website.

0% Interest for 36 Months*

On purchases of select manufacturers' products made with your Sweetwater Card on invoices of $399+ now through the expiration dates listed below. Minimum purchase amount may vary by brand. Equal monthly payments required for 36 months.

Already a Cardholder? You can easily check your balance, view statements, and make payments securely on Synchrony Bank's website.

0% Interest for 24 Months*

On purchases of select manufacturers' products made with your Sweetwater Card on invoices of $399+ now through the expiration dates listed below. Minimum purchase amount may vary by brand. Equal monthly payments required for 24 months.

Already a Cardholder? You can easily check your balance, view statements, and make payments securely on Synchrony Bank's website.

No Interest if Paid in Full within 6 Months‡

On qualifying purchases made with your Sweetwater credit card. Interest will be charged to your account from the purchase date if the promotional purchase is not paid in full within 6 months. Minimum monthly payments required.

Already a Cardholder? You can easily check your balance, view statements, and make payments securely on Synchrony Bank's website.

Offer applies only to single-receipt qualifying purchases. Select manufacturers may require that only the manufacturer’s products qualify towards the minimum purchase amount needed to be eligible for promotional financing. Otherwise, an invoice that meets the minimum purchase amount and contains at least one qualifying manufacturer product is eligible for promotional financing. No interest will be charged on promo purchase balance, 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.

Offer applies only to single-receipt qualifying purchases. 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 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.

The estimated required monthly payment shown which excludes taxes and delivery equals the amount financed divided by the number of months in the promo period, rounded up to the next cent. During the last month(s) of the promo period the required monthly payment may be reduced due to this rounding. These payments apply only with the financing offer shown. If you make these payments by the due date each month, you should pay off this amount financed within the promo period, if it is the only balance you are paying off. If you have other balances on your account, this payment will be added to any other minimum monthly payments.

Applies only to select items from this manufacturer. Ask your Sweetwater Sales Engineer for more details.

† Subject to credit approval. Offer valid 05/01/26 – 01/30/27. This offer cannot be combined with financing. The 5% back in Sweetwater Bonus Bucks will be calculated after all other applicable discounts are applied at point of sale. Excludes shipping charges. Minimum purchase of $99 required. Sweetwater Bonus Bucks will be loaded to your Sweetwater.com account once all purchased items have shipped, and they will expire in 60 days from load date. We reserve the right to discontinue or alter the terms of this offer anytime. Sweetwater Bonus Bucks terms and conditions apply. See this page for details.

** Subject to credit approval. To qualify for this offer, you must open a new Sweetwater Credit Card between May 22, 2026 – June 8, 2026. Sweetwater Bonus Bucks will be delivered via email for a future purchase within 48 hours of opening an account and they will expire in 60 days from the email date. Offer is valid for newly opened Sweetwater accounts only and only one $50 Bonus Bucks can be earned per account. Accounts approved after June 8, 2026 are not eligible for this offer. If application is submitted during the offer period, but is approved outside the offer period, cardholder will not be eligible for the offer.