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
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.
Confused about all the different amounts listed on your credit card bill? Read our guide to paying credit cards here.
- Annual Fee $0
- Intro Purchase APR -
- Regular Purchase APR 24.99% (Variable)
- 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
- Signup Bonus 15% off your first purchase
- Chip Technology Chip-and-Signature
- Foreign Transaction Fee 3%
- Intro Balance Transfer APR -
- Regular Balance Transfer APR -
- Cash Advance APR 26.99% (Variable)
- Penalty APR -
- Late Fee Up to $38
- Returned Payment Fee -
Check your card's Guide to Benefits to learn the specific benefits your card offers and how to access them. Learn more about credit card benefits here.
- $10 Reward: Sign up for your card and go paperless on gap.com and you’ll get a $10 reward.
- 10% Tuesdays: 10% off at Gap stores and online, and the first Tuesday of every month at Gap Factory Stores.
- Exclusive Access: Access to discounts and special events for cardholders only.
- 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 BananaRepublic.com.
- 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.
- 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.
Read about experiences others have had with this card and leave your own review here.
Submit your review
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!
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.