We generally only recommend Sam Ash Credit Card if you have at least a 630 credit score (otherwise known as a "fair" credit score). The reason being you can get a relatively high APR if you have a low credit score, plus it will be much harder to get approved.
Is Sam Ash Credit Card a good credit card for me?
Every situation is different, so it's hard to give a blanket recommendation on whether or not Sam Ash Credit Card is the right card for you.
However, they are known to be relatively generous with their reward points & other perks, so it may be worth it. Keep in mind you may have to acquire a minimum amount of points before you are able to redeem them.
Is Sam Ash Credit Card worth it?
There are 100s of different credit card options that are best suited to a wide range of situations. Which makes it hard for us to honestly answer whether or not Sam Ash Credit Card is worth it for you.
We recommend considering the following when looking into getting any credit card (as a starting point at least):
- Are you a responsible spender? You can quickly get yourself into too much debt if you're not responsible with your credit card
- Are there are signup bonuses available with this card?
- What annual fees does it have?
- Are there penalty APRs?
- Does it have an interest free period, and if so, how long is it?
- How does it's APR compare to other cards?
- How does the rewards/points system work?
What are the approval odds for Sam Ash Credit Card?
The approval odds are going to be heavily dependant on your credit score, income & expenses.
If you have a credit score of 750+, you can basically get approved for most credit cards, including the Sam Ash Credit Card. But if you have a "poor" credit score, it's going to be a lot more difficult.
What credit score do I need for Sam Ash Credit Card?
A general rule of thumb is if you have a "good" credit score (670-739) or above, then you're approval odds are relatively high.
Anything below that and the odds go down, you may be able to get approved with a "fair" credit score, but if you have a "poor" score, then it is extremely unlikely you'll be approved (unless the card is secured).
Improve your credit score BEFORE applying for Sam Ash Credit Card
If your credit score is preventing you from qualifying for Sam Ash Credit Card, we recommend you call one of our friendly credit experts for a free consultation. We'll review your credit report with you (in real-time), and see if there is anything we can do to help your score.
Once we've improved your score for you, you'll be in a much better place to apply & get approval for Sam Ash Credit Card. Not to mention all the other benefits that come with a great credit score!
How to Maximize the Benefits of Your Sam Ash Credit Card
Maximize the benefits of your Sam Ash credit card and save money on all your musical purchases. Get familiar with its benefits, such as 0% interest financing for up to 24 months on select purchases, exclusive discounts, and no annual fee. Use it for all music-related purchases, be it online or in-store, and take advantage of special financing options available. Pay off larger purchases within the promotional period to avoid interest charges. Look out for exclusive deals and discounts offered to cardholders - use them when they become available! With wise use, you can save money with your Sam Ash credit card and make the most out of your passion for music.
The Benefits of Having a Great Credit Score
Having a great credit score can provide you with many benefits in life. It makes it easier for you to obtain loans and credit cards with favorable terms and lower interest rates, improving your chances of getting approved for rental applications and even helping you get a job. You may also gain access to more financial products and rewards, such as cash back or airline miles. Ultimately, having a great credit score can help you reach your financial goals and improve your quality of life - making the effort to maintain it is certainly worthwhile.