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Gap Visa

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

Gap Visa

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

Highlights & Features


  • 5X points per dollar spent at the Gap and affiliated brands, both in-store and online
  • 1X point per dollar spent on all other purchases
Introductory Bonus
  • Free shipping and 20% off your first purchase

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 3%
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 28.49% Variable
Cash Advance Fee 4%, $10 minimum
How to Get a Cash Advance with a Credit Card
Gap Visa


  • Earn 5X points per dollar spent on the Gap and affiliated brands, both in-store and online
  • Earn 1X point per dollar spent on all other purchases
  • 20% off your first Gap purchase using your card
  • 10% off every time you shop at the Gap
  • Earn a $5 reward every time you earn 500 points
  • 20% quarterly bonus reward points at the end of each quarter if you earn 5,000 points in a calendar year and achieve Silver status cardmembers
  • Free basic alterations at Banana Republic and for Gap Silver cardmembers
  • No receipt needed for returns


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

Try a different phone number
See all Issuer Cards

The Gap Visa offers rewards at the GAP and its affiliated brands, as well as wherever Visa is accepted.

Affiliated brands include:

  • Banana Republic
  • Old Navy
  • Piperlime
  • Athleta

You’ll get 10% off every time you shop at the Gap and Gap Factory stores, plus 20% off your first Gap purchase. You won’t ever need a receipt for your returns.

This card has a high APR of 25.99% Variable, and no annual fees.

The Gap also offers the Gap Credit Card, which can only be used at the Gap and affiliated stores.

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

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