GAP Credit Card Reviews: Is It Worth It? (2025)Reviews, rates, fees, and rewards details for The GAP Credit Card. Compare to other cards and apply online in secondsJohn KiernanWalletHubNo membership feesHigh rewards rate20% discount initial rewards bonusNo intro APR on purchasesNo intro APR on balance transfersForeign feeRequires good/excellent credit
This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Earn Rewards (Store Cards)." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs.
GAP Credit Card has a rating of 3.5/5 according to our proprietary credit card rating system. This rating reflects how appealing GAP Credit Card's terms are compared to a pool of more than 1,500 credit card offers tracked by WalletHub. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is 'Earn Rewards (Store Cards)'. To break it down further, GAP Credit Card earned a score of 5.0/5 for Fees, 3.5/5 for Rewards, 3.6/5 for Cost, and 2.5/5 for User Reviews. Info about the GAP Credit Card has been collected by WalletHub to help consumers better compare cards. The financial institution did not provide the details.
WalletHub Rating Breakdown
User Reviews
2.5/5
311 reviewsRead and write reviews
Editor’s Review
3.5/5
John Kiernan, Credit Card EditorRead full review
Market Comparison
Market Comparison
3.6
The Market Comparison is a key component of the WalletHub Rating, as it measures how appealing the terms of a card are compared to a pool of over 1,500 credit card offers monitored by WalletHub. To ensure cards are evaluated for their most relevant purpose, we score each card across various cardholder needs and select the rating for the need with the highest score, which is “Earn Rewards (Store Cards)” for this card.
Fees
5.0
Rewards
3.5
Cost
3.6
Other Features
0.0
3.6/5
Compared against 1,500+ credit cards
KEY TERMS
Credit Score
Credit Score
Excellent Credit, Good Credit
Annual Fee
$0
APR on Purchases
33.74% (V)
Balance Transfer
APR: 33.74% (V)
Balance Transfer Fee:5% (min $5)
Rewards
Receive 20% off your first purchase made at Gap within 14 days of account opening.
Earn 5 points for every $1 spent at Gap, Banana Republic, Old Navy, and Athleta, and 1 point for every $1 spent on all Mastercard purchases made outside the family of brands.
100 points = $1 reward redeemable across the family of brands, no merchandise restrictions.
Free fast shipping on all online orders $50 or more.
Cardmembers will unlock the Icon membership status on total qualifying purchases of $1,000 at family of brands or by earning 5,000 base points (points earned excluding bonus points) during a calendar year. Terms apply.
GAP Credit Card's Additional Info
Early Access to select sales.
Members Only Exclusive Offers.
By applying, you agree that you’ll first be considered for the GAP Credit Card which can be used anywhere Mastercard is accepted. If not approved for the GAP Credit Card, you’ll then automatically be considered for the GAP Store Card which can be used across all Gap Inc. stores and online.
Easy way to save 20%. You will automatically get 20% off the first purchase you make at gap.com or gapfactory.com with your Gap Credit Card. So if you’re going to buy something from Gap’s website, why not earn a little something in the process?
Earn 5% back at Gap and more. You will earn 5 points per $1 spent at Gap, Old Navy, Banana Republic and Athleta. That works out to 5% back, since every 500 points you earn gets you $5 in store credit.
Make sure to pay in full. The Gap Card is not kind to people who carry balances from month to month, charging interest at a lofty annual rate. For context, the average credit card for fair credit charges 27.48%, according to WalletHub’s latest Credit Card Landscape Report.
Must have good credit to get the Mastercard. There are two Gap Credit Cards: a Mastercard and a store card. The Gap Mastercard Credit Card can be used to make purchases anywhere Mastercard is accepted and gives you 1 point per $1 spent on all purchases. It also requires at least good credit for approval. You only need fair credit to get the Gap Store Card, which isn’t a bad consolation prize, considering it has all of the Gap Mastercard Card’s best features. You can check your credit score for free on WalletHub to see which card you’re likely to get.
Note: This review is not provided, commissioned or endorsed by any issuer. Opinions and ratings are our own.
This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Earn Rewards (Store Cards)." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs.
Editor’s Rating
3.5
User Reviews
2.5
Market Comparison
3.6
fees: 5.0
rewards: 3.5
cost: 3.6
Other Features: 0.0
4.4WalletHub Rating
WalletHub Rating
4.4
This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Earn Rewards." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs.
Editor’s Rating
4.9
User Reviews
3.3
Market Comparison
4.4
fees: 3.8
rewards: 4.7
cost: 4.7
Other Features: 0.0
4.1WalletHub Rating
WalletHub Rating
4.1
This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Finance New Purchases." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs.
Editor’s Rating
4.2
User Reviews
3.6
Market Comparison
4.2
fees: 4.3
rewards: 5.0
cost: 4.3
APR: 3.8
(311)
(221)
(2,938)
annual fee$0
annual fee$0
annual fee$0
rewards rate 1 - 5 points / $1
rewards rate 2% Cash Rewards
rewards rate 1 - 3% Cash Back
bonus offer20% discount
bonus offer $200 Cash Rewards
bonus offer $200
Purchase Intro APRNot Offered
Purchase Intro APR0% for 12 months from account opening
Purchase Intro APR0% for 15 months
transfer intro aprNot Offered
transfer intro apr0% for 12 months from account opening on qualifying balance transfers|Transfer Fee:3% intro for 120 days, then up to 5% (min $5)
transfer intro apr0% for 15 months|Transfer Fee:3% (min $5)
Can't find what you are looking for? Submit your question about GAP Credit Card to our community. Editorial and user-generated content is not provided, reviewed or endorsed by the issuer of this offer. Please keep in mind that it is not a financial institution’s responsibility to ensure all posts and questions are answered. In addition, WalletHub independently collected information for some of the cards on this page.
You can make GAP Credit Card payment online, by phone, or by mail. To pay your GAP Credit Card bill online, log in to your online account and find the payment button. Then, choose how much to pay, when to pay it, and where the payment is coming from. Barclays does allow cardholders to set up automatic payments, too.
Ways to Make GAP Credit Card Payment
Online: Log in to your online account and find the payment button.
By phone: Call 866-383-5315 and enter your card information when prompted.
By mail: Send a check or money order (but not cash) to
Barclays P.O. Box 13337 Philadelphia, PA 19101-3337.
Make sure to send it early enough that it will arrive by the due date. Write your credit card number on the check, too.
In conclusion, there are multiple ways to make a GAP Credit Card payment, so just choose whichever method is easiest for you. The important part is to not miss payments, as that can seriously damage your credit score.
Online: Visit the GAP Credit Card's webpage and click on “Apply Now”. You will be asked to provide your name, contact details, address, Social Security Number, date of birth, and...
The GAP Credit Card's rewards are 1 - 5 points per $1, depending on the type of purchase. It is worth noting that the GAP Store Card's rewards are almost identical to these offered by the GAP Credit Card. But the store version can only be used at the GAP family of brands.
GAP Credit Card Rewards & Perks:
Receive 20% off your first purchase made at Gap within 14 days of account opening.
Earn 5 points for every $1 spent at Gap, Banana Republic, Old Navy, and Athleta, and 1 point for every $1 spent on all Mastercard purchases made outside the family of brands.
100 points = $1 reward redeemable across the family of brands, no merchandise restrictions.
Free fast shipping on all online orders $50 or more.
Cardmembers will unlock the Icon membership status on total qualifying purchases of $1,000 at family of brands or by earning 5,000 base points (points earned excluding bonus points) during a calendar year. Terms apply.
GAP Credit Card points are worth 1 cent each. So, when you earn 500 points, you'll receive $5 in rewards. These points can be redeemed in-store or online at...
The GAP Credit Card can be used anywhere Mastercard is accepted. Mastercard cards benefit from extensive worldwide acceptance. So you can use a GAP Credit Card credit card pretty much everywhere that takes plastic around the world.
The GAP Store Card, on the other hand, can only be used at Gap, Old Navy, Athleta, Banana Republic, and their affiliated online stores.
Plus, this card gives you 5 points per $1 spent at Gap, Banana Republic, Old Navy and Athleta and 1 point per $1 spent on all other purchases.
Lastly, it is worth noting that the GAP Store Card also comes with a $0 annual fee. With this card, you get 5 points per $1 spent at Old Navy, Gap, Banana Republic and Athleta.
Yes, you can use both the Gap Visa Credit Card and the Gap Store Credit Card at Old Navy. You can also use them at Banana Republic and Athleta. Gap owns all three other brands.
No, you cannot get a cash advance with your GAP Credit Card without a PIN. You can get a PIN for your GAP Credit Card either online or over the phone, by calling (866) 928-8598. Once you get your PIN, you will be able to use your card to withdraw cash from an ATM.
The GAP Credit Card reports to the credit bureaus once each month, within days after the end of your monthly billing period. Barclays reports the card's credit limit, account balance, payment status, and more to TransUnion, Equifax, and Experian.
After the GAP Credit Card reports your account information to a credit bureau each month, it may take a few days before the updates appear on your credit report. When you first open a new GAP Credit Card, you may not...
Share your insights and review for the GAP Credit Card
5
8%
4
15%
3
19%
2
37%
1
21%
2.5
311 reviews
311 reviews
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Manish Ranjan Sinha @manishrsinha
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5 Star Rating
I have been using this card for the last 5 years. I love the nice rewards it provides for shopping with other merchants. P.S. I always make my full credit card payment on time, so I have never had the issue of high interest rates.
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0
0
Sabrina Delphine @sabrinadoesitup
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1 Star Rating
This card contacts me when I'm not using it enough and then charges me with high interest and late fees if I don't pay early. Recently, I've had an issue between Barclays and my bank involving fraudulent payments, which were resolved, but then my bank was locked, and I couldn't pay my bills for four weeks. I had to accept late fees, interest charges, and a dip in my credit score because they didn't know how to unblock my bank account. I spent over three weeks calling Barclays and my bank, and in the end, it was all Barclays' fault for not unblocking my card when I asked them to. They take no responsibility. This company does not care about you.
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0
0
marianna_chip @marianna_chip
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1 Star Rating
Rewards are not paid in full. They used to have a great rewards program, but the last two to three years have been agonizing. I had to call to remind them, and at this point, I'm quite done with that.
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1
0
Lynshell Dangerfield @lynshell0630
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2 Star Rating
I just don't know about this card. I got this card back in 2005 when my kids were younger, and there was a need for it. I was going to keep it, but I've asked repeatedly to have the interest rate lowered. Since I've been with them so long, I thought they would comply. I do enjoy the little rewards, but I'll move my business elsewhere if they don't lower the interest rate. It's too high, and all these fees are ridiculous.
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0
0
hennigk @hennigk
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1 Star Rating
Had the card for over a year but when there was issue with the app for it on my phone I had to call in to customer service. I was not able to understand the girl in customer service since her accent was so heavy. I eventually talked with another girl who was extremely rude. I cancelled the credit card right then and I am happy to be rid of their rude customer service reps
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0
0
Alejandrago90 @Alejandrago90
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1 Star Rating
I would rate them a 0 star….Worst Card…I called to pay off in full because the interest are in the sky. To my understanding I didn’t have a balance after I paid it all off. Then I received an email saying I had a balance because off past interests fees and a late fee! DO NOT APPLY FOR THIS CARD! They will find a way to get more money out of you.
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0
0
danielrpt03 @danielrpt03
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1 Star Rating
Worst credit card I have ever had. Poor communication, horrible website with confusing statements, transactions do not update daily (they show randomly). Cherry on top, had a fraud transaction, they said they will take care of it an didn't, reported my account as past due and my credit score dropped 60 points. After hours on the phone, I false promises, I just paid the charge and closed the account before another report of past due. RUN AWAY from this CARD.
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kimberly_corliss @kimberly_corliss
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1 Star Rating
WORST card ever. Locked me out of my online banking for Barclays and Synchrony when they made the bank transition and charged me a late fee even though I literally had no way to pay. Pure idiocy and STEALING from customers. I had perfect credit until they messed it up. I want to be compensated for my hours on the phone correcting their system. I wasn’t planning to be a pro bono one order for the Gap’s credit card service. Their card is a despicable scandal. Don’t risk jeopardizing your credit score by signing up with this horribly run, unprofessional, incompetent team.
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0
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Tiane @tianer
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1 Star Rating
Verified Customer
I went from a 2500 credit to 250 without expectations they dropped it when I owned 280.00 and it drop my credit score 50 points. How does that work
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2
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motherbug2001 @motherbug2001
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1 Star Rating
Awful card. Card was only opened for 6 months before being closed due to “credit worthiness” just randomly closed without notice. TYPICAL OF SYNCHRONY BANK. THEY ARE UNCHECKED EVIL
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* The information about the following cards has been independently collected by WalletHub: Banana Republic Credit Card, Old Navy Credit Card, Target Credit Card, Macy's Store Card, GAP Credit Card, and GAP Store Card.
