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Our rating
Min. credit level: Fair
Annual Fee: $0
Regular APR: 28.24% Variable


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


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 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 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 N/A
Cash Advance Fee N/A
How to Get a Cash Advance with a 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 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

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.