*Qualifying purchase amount must be on one receipt, excluding the following: Gift certificates, open box and used gear. Cannot be combined with promotional coupons or manual discounts. Discounts may result in the qualifying purchase amount not being satisfied. . No interest will be charged on the 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. For new accounts: as of 7/31/2025: Purchase APR is 34.99%. Penalty APR is 39.99% Minimum interest charge is $2. Existing cardholders: See your credit card agreement terms. Subject to credit approval. Offer available December 31, 2025 – February 5, 2026.

**Qualifying Rewards points exclude the following: Gift certificates, open box and used gear.

**‡Used gear and gift card purchases are not eligible to earn rewards under the Musician’s Friend Rewards program Brand Grid