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Guitar Center Gear card offers 5 points on in-store purchases in certificates redeemable only towards Guitar Center purchases. Also this credit card has a high ongoing APR of 29.99%9. Look at the low interest credit cards. For example, the Discover it® Cash Back credit card may be of interest to you. It comes with 15 months of 0% Intro APR on purchases (when the introductory interest rate is over, the ongoing 13.49% - 24.49% Variable APR will apply). The card has cash back rewards program - you will earn 1% cash back on all purchases and up to 5% cash back in rotating categories on up to the quarterly maximum - you will need to enroll every time a category changes to be able to earn rewards. The cash back never expires. There is no annual fee. Moreover, Discover card does not limit you in terms of redemption - you can spend earned rewards on whatever you want.