Gap Visa

For People with
Fair Credit



The GapVisa offers rewards at the GAP and it’s affiliated brands, as well as wherever Visa is accepted.

Affiliated brands include:

  • Banana Republic
  • Old Navy
  • Piperlime
  • Athleta

You’ll get 10% off every time you shop at the Gap and Gap Factory stores, plus 20% off your first Gap purchase. You won’t ever need a receipt for your returns.

This card has a high APR of 28.24% Variable, and no annual fees.

The Gap also offers the GapCard, which can only be used at the Gap and affiliated stores.

For a comparison of both cards, check out our Review of the GapCard and Gap Visa Credit Card.

Card Quick Facts

Card Quick Facts

  • Earn 5X points per dollar spent on the Gap and affiliated brands, both in-store and online
  • Earn 1X point per dollar spent on all purchases
  • 20% off your first Gap purchase using your card
  • 10% off every time you shop at the Gap.
  • Earn a $5 reward every time you earn 500 points
  • 20% quarterly bonus reward points at the end of each quarter if you earn 5,000 points in a calendar year and achieve Silver status cardmembers
  • Free basic alterations at Banana Republic and for Gap Silver cardmembers
  • No receipt needed for returns

For People with
Fair Credit



Manage My Card

Want to pay a bill or check your balance?

Card Details



  • 5X points per dollar spent at the Gap and affiliated brands, both in-store and online
  • 1X point per dollar spent on all other purchases
How to Redeem

Introductory Bonus

  • 20% off your first purchase
Card Stats

Card Stats

Annual Fee $0
Additional Cards Annual Fee -
Regular Purchase APR 28.24% Variable
Intro Purchase APR -
Foreign Transaction Fee 3%
Chip Technology Chip-and-Signature
Minimum Credit Limit -
Maximum Credit Limit -
Free Credit Score No
Penalty APR None
Late Fee Up to $39
Returned Payment Fee -
Balance Transfers

Balance Transfers

Intro Balance Transfer APR -
Regular Balance Transfer APR -
Balance Transfer Fee -
Cash Advances

Cash Advances

Cash Advance APR 29.24% Variable
Cash Advance Fee 4%, $10 minimum

Card Benefits

Check your card’s Guide to Benefits to learn the specific benefits your card offers and how to access them.

  • $10 Reward Extra

    Sign up for your card and go paperless on and you’ll get a $10 reward.

  • 20% Off First Purchase

    Get 20% off and free shipping when you make your first purchase using your card.

  • 10% Off

    10% off at Gap stores and online, everyday, every time you shop.

  • Exclusive Access

    Access to discounts and special events for cardholders only.

  • This Card Comes with Visa Benefits

    You will be provided with a list of benefits available to you once you get approved for your card.

  • Special Birthday Savings

    You get special savings on your birthday!

  • No Receipt Necessary for Returns

    There’s no need for a receipt when you return items purchased on your card.

Gap Silver Status

  • 20% Quarterly Bonus Reward Points

    Get a 20% bonus at the end of each quarter.

  • Choose Your Own Sale Day

    You get to pick your own day during the year where you can enjoy sales at the Gap and affiliate stores.

  • Free Online Shipping

    Get free shipping on online orders, just enter the code MYCARD at checkout.

  • Free Basic Alterations on Banana Republic Purchases

    Get free alterations purchases made at Banana Republic stores and

  • Special Silver Cardmember Events

    Exclusive events for Silver status cardholders.

  • Priority Hotline

    1-866-450-4468. Silver status members get their own priority hotline.

  • Fraud Protection

    You will not be held responsible for unauthorized charges made on your card.

Visitor Reviews

Read about experiences others have had with this card and leave your own review here.

Submit your review

Create your own review

Average rating:  
 2 reviews
by eastcoastncgal
My Go To Card= $$$ Rewards

LOVE this card! I use it for everything (MUST pay it off monthly or else it's high interest) and with spending $3000-$4500/mo (gas, groceries...everything), I get $100-$250/mo in rewards I can used to buy clothes/shoes for my whole family. Use responsibly and it will be very rewarding!

by Tonya McGill
Customer Service is Awful

I went through a divorce about 1 year ago and got left with about $7500 in debit on this card, They turned my debt over to collections, I then contacted collections to settle this account for $5650 (basically penalties and interest waived), I made the payment to the 3rd party and now 3 months later Gap Visa is saying they didn't settle and want the rest of their money. I was told by customer service last month it was fixed and being reported to the credit agencies. As I sit on hold for over an hour just today I assure you it isn't fixed and they have no intention of making their settlement good! I'm past disgusted.

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