GapCard


For People with
Fair Credit

The GapCard is an in-store credit card that may be a great card for you if you shop at the Gap and its affiliated brands.

Affiliated brands include:

  • Banana Republic
  • Old Navy
  • Piperlime
  • Athleta

This card offers 5X points per dollar on all Gap purchase in-store and online, and you’ll get 20% off and free shipping on your first purchase within 30 days of account opening.

For a card from the Gap that you can use anywhere Visa is accepted, check out the Gap Visa (Review).

For a comparison of both cards, see our Review of the GapCard and GapVisa Credit Card.

Card Quick Facts

Card Quick Facts

  • Earn 5X points per dollar spent at the Gap and affiliated brands, both in-store and online
  • Earn a $5 reward every time you earn 500 points
  • 10% off every day every time you shop at Gap and Gap Factory stores
  • 20% off and free shipping for your first purchase within 30 days of opening your account
  • Get a free birthday gift on your special day
  • No receipt necessary for returns
  • 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

Manage My Card

Want to pay a bill or check your balance?

Card Details

Rewards

Rewards

  • 5X points per dollar spent on the Gap and affiliated brands, both in-store and online
How to Redeem

Introductory Bonus

  • 20% off and free shipping on your first purchase within 30 days of account opening
Card Stats

Card Stats

Annual Fee $0
Additional Cards Annual Fee -
Regular Purchase APR 28.24% Variable
Intro Purchase APR -
Foreign Transaction Fee -
Chip Technology None
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 -
Cash Advance Fee -

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

    Apply for your card and go paperless on gap.com to get a $10 reward.

  • 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.

  • 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

Gap Silver Status is awarded once you earn 5,000 points in a calendar year. Benefits include:

  • 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 on 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.

Visitor Reviews

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