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Gap Credit Card

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The Gap Credit Card features rewards and perks for people who love to shop at Gap and its affiliate stores. While it can only be used therein, you’ll earn 5X points per dollar and for every 500 points you’ll automatically receive a $5 reward. On top of that, you’ll get bonus point days and a surprise birthday gift.

Our rating
Min. credit level: Fair
Annual Fee: $0
Regular APR: 25.99% Variable

Gap Credit Card

Our rating
Fair Min. credit level
$0 Annual Fee
Apply Now Read Our Review

Highlights & Features


  • 5X points per dollar spent on the Gap and affiliated brands, both in-store and online
Introductory Bonus
  • 20% off and free shipping on your first purchase within 30 days of account opening

Balance Transfers

A balance transfer is a way to move debt from one card to another with the goal of saving money on interest.

Intro Balance Transfer APR N/A
Regular Balance Transfer APR N/A
Balance Transfer Fee N/A
How to Transfer a Balance on a Credit Card


Penalty APR N/A
Late Fee Up to $39
Returned Payment Fee N/A
Additional Cards Annual Fee N/A
Foreign Transaction Fee N/A
Learn About Types of Credit Card Fees

Cash Advances

Borrowing cash on your card is a cash advance. Cash advances usually come with very high fees. Even worse, cash advances can signal to lenders that you’re being irresponsible with money.

Cash Advance APR N/A
Cash Advance Fee N/A
How to Get a Cash Advance with a Credit Card
Gap Credit Card


  • 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


Synchrony has several card types depending on your needs.

Manage your Account & Pay your Bill

You can usually pay your bill online on your

Credit card issuer's website

Speak to Customer Service

1-866-450-4467 or

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The Gap Credit Card 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 Gap Credit Card and GapVisa Credit Card.

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