Basics of the Sweetwater Credit Card
5% cash back and promotional financing (0% interest)
The Sweetwater credit card has primarily two perks: Special financing with 0% interest for payment within specific timeframes (e.g., 48, 36, 24, or 12 months) and a 5% cash back option in store credit, which is ideal for frequent gear purchases.
There are two main perks with the Sweetwater credit card:
- 5 percent cash back in the form of "Bonus Bucks"
- Special financing (0 percent interest for monthly payments over varying periods of time)
What are Sweetwater Bonus Bucks?
Bonus Bucks are essentially a type of Sweetwater store credit, which you can rack up whenever you buy from them. As these accrue, you can use them to buy more gear.
The number of Bonus Bucks you get will depend on the gear you buy.
Here are some examples of bonus buck deals:
Some of the cash back options or "Bonus Bucks" for products purchased with the Sweetwater credit card.
For example, if you buy the Gibson SG Standard you'll get $300 back in Sweetwater store credit.
Now, this only makes sense if you're buying a lot of gear or you buy from Sweetwater regularly. It's also going to depend on the product and the brands that are (or aren't) participating.
The language used is "qualifying purchase" and depends on the promotional offer for a given time period.
Not all products within a participating brand will be a qualifying purchase.
Special Financing Options
Special financing with the Sweetwater credit card means you get an extended period of time to pay off a purchase without being charged any interest.
Here are some of the variables involved:
- Period of time for 0 interest
- Brand participation
- Product exclusions
For example, certain PRS guitars/products are participating in 0% interest for 48 months of equal payments.
Certain brands will have products that qualify for longer periods of 0% interest financing, effectively a free loan.
If you click on "Shop All PRS" you'll be taken to the regular PRS landing page.'
Here's an example of one of the guitars that offer Bonus Bucks and the 48 month financing agreement.
Here's an example of a product that qualifies for 48 month financing and cash back if you use the Sweetwater credit card.
All special financing monthly payment options
As of publishing this piece, here are the payment period options available:
- 48 months
- 36 months
- 24 months
- 12 months
- 6 months
Brand participation varies depending on when you check, and promotional offers, in general, are always changing.
Wrapping up the Sweetwater credit card
The Sweetwater credit card makes a lot of sense in the following scenarios:
- Buying gear where you want to split up the payments
- Expensive studio equipment and live sound setups
- Regular purchases from Sweetwater
We've worked with Sweetwater for a long time and can vouch for their company, insomuch as they care about what they do and treat their customers well. Whether or not their credit card makes sense for your particular situation is a call you've got to make.
Hopefully I've given you enough information to see if it's a good fit.
If you have more questions, hit up the comments section below and we'll help as much as we can.
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