Gap Visa


For People with
Fair Credit

REVIEWS

Reviews

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

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 GapVisa Credit Card.

Card Quick Facts

Card Quick Facts

  • Earn 5 points for every $1 spent on the Gap and affiliated brands, both in-store and online
  • Earn 1 point for every $1 spent on all purchases
  • Earn a $5 reward every time you earn 500 points
  • Extra points offers for cardholders only
  • 20% quarterly bonus reward points at the end of each quarter for Silver status cardmembers

For People with
Fair Credit

REVIEWS

Reviews

Manage My Card

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Card Details

Rewards

Rewards

  • Earn 5 points for every $1 spent on the Gap and affiliated brands, both in-store and online
  • Earn 1 point for every $1 spent on all purchases
  • Earn a $5 reward every time you earn 500 points
  • Extra points offers for cardholders only
  • 20% quarterly bonus reward points at the end of each quarter for Silver status cardmembers
How to Redeem

Introductory Bonus

  • 15% off your first purchase
Card Stats

Card Stats

Annual Fee $0
Additional Cards Annual Fee -
Regular Purchase APR 24.99% (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 $38
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 26.99% (Variable)
Cash Advance Fee 4%; Min:$10

Card Benefits

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

Visitor Reviews

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

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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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