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



  • 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 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

  • 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:  
 0 reviews

The Insider

Abigail Welles
How to Protect Yourself From Credit Card Fraud: Scams, Skimmers, and Phishing
Abigail Welles | Sep 20, 2019

Do you know what a credit card skimmer is? You may have swiped your card through one without even knowing, leaving your information in the hands of a thief.

Read More
Jacob Lunduski
2019 Survey: 40% of Retail Store Credit Cardholders Regret Applying
Jacob Lunduski | Sep 19, 2019

Do you have a retail store credit card? Is it useful, or do you get hit with interest and fees? Learn why so many people regret getting store cards here.

Read More
Abigail Welles
What Is a Data Breach and What Should I Do If I Am a Victim of One?
Abigail Welles | Sep 17, 2019

Data breaches are more common than ever, exposing the confidential information of millions of Americans each year. Have you been involved in a breach?

Read More