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GapCard

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Our rating
Credit range: Fair
Annual Fee: $0
Regular APR: 28.24% Variable

GapCard

Our rating
Fair Credit range
$0 Annual Fee
Apply Now Read our Review

Highlights & Features

Rewards

  • 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 credit card debt from one credit card to another with the goal of saving money on interest.

Intro Balance Transfer APR None
Regular Balance Transfer APR None
Balance Transfer Fee None
How to Transfer a Balance on a Credit Card

Fees

Penalty APR None
Late Fee Up to $39
Returned Payment Fee None
Additional Cards Annual Fee None
Foreign Transaction Fee None
Learn About Types of Credit Card Fees

Cash Advances

Borrowing cash on your credit 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 None
Cash Advance Fee None
How to Get a Cash Advance with a Credit Card
ABOUT THE ISSUER

Synchrony Bank

Synchrony Bank 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
GapCard

Highlights

  • 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

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.