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

Affiliated brands include:

  • Banana Republic
  • Old Navy
  • Piperlime
  • Athleta

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

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

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Confused about all the different amounts listed on your credit card bill? Read our guide to paying credit cards here.


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  • Rewards
    • Earn 5 points for every $1 spent on the Gap and affiliated brands, both in-store and online
    • 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 -
  • Intro Balance Transfer APR -
  • Regular Balance Transfer APR -
  • Cash Advance APR -
  • Penalty APR -
  • Late Fee Up to $35
  • Returned Payment Fee -

Card Benefits

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.

Added Perks

  • $10 Reward: Sign up for your card and go paperless on 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
  • Special Silver Cardmember Events: Exclusive events for Silver status cardholders.
  • Priority Hotline: 1-866-450-4468. Silver status members get their own priority hotline.

Security Benefits

  • 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.

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