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Review of the Gap Credit Card and Gap Visa Credit Card

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Brendan Harkness By Brendan Harkness Dec 30, 2014 | Updated Jun 24, 2020
Our rating
Min. credit level: Fair
Annual Fee: $0
Regular APR: 28.24% Variable
Our rating
Min. credit level: Fair
Annual Fee: $0
Regular APR: 27.49% Variable

Gap Credit Card

Our rating
Fair Min. credit level
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Gap Visa

Our rating
Fair Min. credit level
Apply Now Apply Now

There are two credit cards associated with the Gap: the Gap Credit Card and the Gap Visa.

The first can only be used at the Gap and affiliated stores, but the second can be used anywhere Visa is accepted.

Points are awarded for shopping, and special discounts and coupons are provided. Neither of these cards have an annual fee, but they both have a high APR that you’ll want to avoid.

Gap Visa

Our rating
Min. credit levelFair
Details
Annual Fee$0
Regular APR27.49% Variable
Apply Now

securely on the issuer's website

  • 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

Gap Credit Card

Our rating
Min. credit levelFair
Details
Annual Fee$0
Regular APR28.24% Variable
Apply Now

securely on the issuer's website

  • 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 Rewards

With each card, 5 points are awarded for purchases made at:

  • The Gap
  • Banana Republic
  • Old Navy
  • Piperlime
  • Athleta

With the Gap Visa card only, 1 point is awarded for all other purchases (the Gap Credit Card cannot be used elsewhere).

Up to 2,000 bonus points can be earned for signing up for email and voice message alerts.

Every 1,000 points ($200 spent) will earn a $10 reward card.

The Benefits

A 15% discount will be applied to the first online purchase made with the card.

Cardholders will get advance notice of sales, and will also have access to exclusive deals. Each year, a special birthday discount will be sent.

Every Tuesday, a 10% discount is available at the Gap and at Piperlime.

By spending at least $800 annually with either card at the Gap or affiliated stores, you’ll be upgraded to Gap Silver status. This upgrade includes:

  • An exclusive toll-free customer service line
  • Free shipping on all online purchases
  • Free basic alterations at Banana Republic
  • Special opportunities like Triple Points Days

Additional authorized users can be added to the account and given their own cards to use.

The Costs & Fees

Card Regular APR Cash Advance APR Foreign Transaction Fee

Gap Credit Card

28.24% Variable

Not Applicable

Not Applicable

Gap Visa

27.49% Variable

28.49% Variable

3%

Card Late Fee

Gap Credit Card

Up to $39

Gap Visa

Up to $39

The Bottom Line

The Gap cards can be a good way to save money at the Gap and affiliated stores, but they should generally only be an option for you if you already shop at those stores already. Otherwise, you may be better off with a general purpose rewards card.

Learn about rewards cards and see our picks for the best ones

If you do shop at those stores somewhat regularly and could benefit from the cards, be sure to pay off your balance each month before you revolve it to next month and incur interest. The high interest rates will quickly reduce or reverse any savings you may gain in the form of points or discounts.

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