Minimum Credit Score Needed 
Good
GAP Credit Card
By:
Synchrony Bank
Info about the GAP Credit Card has been collected by WalletHub to help consumers better compare credit cards. The financial institution did not provide the details.
Editor’s Take
John Kiernan, Credit Card Editor
May 25, 2018
GAP Credit Card Review
- 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? Furthermore, you can score two $5 gift certificates just by registering your email address and signing up for paperless statements.
- 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 22.34%, according to WalletHub’s latest Credit Card Landscape Report.
- Must have good credit to get the Visa. There are two Gap Credit Cards: a Visa and a store card. The Gap Visa Credit Card can be used to make purchases anywhere Visa is accepted and gives you 1 point per $1 spent outside the Gap family of brands. 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 Visa Card’s best features. You can check your credit score for free on WalletHub to see which card you’re likely to get.
May 25, 2018
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Rates & Fees | Terms Apply
Purchase Intro APR
Not Offered
Transfer Intro APR
Not Offered
Regular APR
17.74% - 26.74% (V)
Annual Fee
None 1st yr, $95 after
Rewards Rate
2 - 6 points / $1
Rewards Bonus
75,000 points
Minimum Credit
Good
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GAP Credit Card's Rewards
- Save 20% on your first purchase and enjoy free shipping on your first purchase with the Gap Credit Card.
- Earn 5 points per $1 spent at Gap, Banana Republic, Old Navy and Athleta. Earn 1 point per $1 spent everywhere else Visa credit cards are accepted.
- Get $5 Reward Card for every 500 points earned
- Earn 500 points when you register your e-mail address and 500 bonus reward points if you sign up for paperless statements.
- Access to special events with exclusive discounts, bonus point shopping days and a special birthday gift.
- Earn 5,000 points in a calendar year and enjoy Gap Silver Status with benefits like 20% quarterly bonus Rewards points, free online shipping and more
GAP Credit Card's Key APRs & Fees
Purchase Intro APR
Not Offered
Transfer Intro APR
Balance Transfers Not Allowed
Regular APR
26.49% (V)
-
ANNUAL FEE
None
GAP Credit Card's Additional Info
-
MAX LATE FEE
$38
-
MAX OVERLIMIT
FEE
None
-
MAX PENALTY APR
None
-
GRACE PERIOD
23 days
-
ONLINE RESPONSE
No
-
CASH ADVANCE
APR
28.49% (V)
-
CASH ADVANCE
FEE
4% (min $10)
-
FOREIGN
TRANSACTION FEE
3%
-
SMART CHIP
Yes, chip-and-signature
- Access your account online 24/7.
- Zero fraud liability.
at Synchrony Bank 's secure site
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Customer Questions and Answers
Don't see what you're looking for? Submit your question about GAP Credit Card to our community.
Where can you use an Old Navy credit card? Reply 1711
WalletHub
Dec 20, 2016 · @WalletHub
The Old Navy Visa Store Card, which you’re likely to get if you have good credit, can be used anywhere Visa is accepted. But if you have „fair” credit and get approved for the Old Navy Store Credit Card instead, you’ll only be able to use it at can be used at Old Navy, Athleta, Banana Republic, Gap and Piperlime.
17
Upvotes
Can I extend my GAP credit card rewards' expiration date? My $5 reward will it expire in one day. Reply
Andrew Hawkins
Jun 5, 2018 · @andrew_hawkins
Sorry, can't change the expiration date for the rewards.
0
Upvotes
Can I transfer a GAP credit card balance to another credit card? Reply
Sebastian House
Mar 2, 2018 · @sebastianhouse
Sure, as long as that card accepts balance transfers.
0
Upvotes
I applied for my credit card a month ago, but still did not arrive. Will there be a penalty fee? How will I pay for it? Reply
Josephine V
Jan 10, 2018 · @josephinevey6
Are you sure you were approved? If so, you should definitely call them at 1-800-887-1198. It’s not supposed to take that long to get to you.
0
Upvotes
How will I see my charges? When Can I get my real card and where can I pay? I just got approved and have been purchasing using my temporary GAP card. Reply
0
Upvotes
If I cancel my card, do I still have to pay interest? Reply 1
WalletHub
Nov 3, 2017 · @WalletHub
Yes, you do. You can’t completely close a credit card account with an unpaid balance, because you still have some of the money you borrowed -- hence, the issuer charges interest on that remaining balance even if you cancel the card and close the account. It’s therefore always best to confirm that you have zero balance with a customer service representative before requesting closure. For the Gap Store Card, please call 800-887-1198, and for the Gap Visa Credit Card, call 866-450-4467.
1
Upvote
Does this card offer purchase insurance? Reply
Thom Fotenberg
Nov 28, 2017 · @thom.f
Since this is a Visa, you should get purchase insurance coverage. This means that within 90 days after your made your purchase, some items you buy can be replaced, repaired, or you can get your money back. You should check with the issuer too, tho, because the extent of the coverage varies.
0
Upvotes
How can I get cash without a PIN? Reply 1
Bob Polk
Aug 19, 2017 · @bobpolk
If you don’t want to withdraw cash at an ATM by using your PIN, you can get a cash advance with the convenience checks that can be used for the same purpose. These are sent to you by the issuer. You might want to think again about using your card for this purpose – cash advances are rather expensive. Read WalletHub’s detailed study on the topic here: https://wallethub.com/edu/credit-card-cash-advance/25829/.
1
Upvote
GAP Credit Card Reviews
Share your insights and review the GAP Credit Card.
Jul 07, 2018
Just wanted to relay some feedback about your credit card. I have a credit score over 800. I\'ve never carried a balance on a credit card in the 23 years that I\'ve used them. I typically use only one major credit card for everything that I ever purchase but I reluctantly decided to use my GapCard in May because the sales person informed me of how much more of a discount I would get by using it. After coming home from vacation, I never one time received a statement, an email, or a phone call from the Gap credit card company. It never even occured to me to check into this because I honestly forgot that I had used it. Until yesterday when I received an email from Synchrony stating that my payment was overdue. THIS WAS THE FIRST OF ANY CORRESPONDENCE that I received. I am furious about this. I got online and paid my full balance of $237 which included a $25 late fee. That late fee completely negates the whole reason I used this card in the first place.I will never use this card again and will post this review publically for others to see as well. This is a pretty shady way to do business and this has effected my credit score.… read more
Comment
Nov 28, 2017
Customer service is really bad. AI system is incapable of understanding what you say (and I have a pretty neutral accent very easy to understand). Their customer service AI system forces you to say the same thing again and again in different ways but still doesn't understand a word and doesn't transfer to a customer service rep (human) easily either. The reps on top of that are trained to answer only a limited set of questions so anything asked out of their list and they repeat the same answers that do not apply to your question. The benefit is the rewards if you shop at banana republic, gap, etc. a lot. But I am not sure how they handle rewards reimbursements on returned items and customer reps aren't helpful in explaining how that works. So for all you know, and based on previous reviews here they are probably not handling that well.
Overall, it's stressful and I am planning to quit this card.… read more
Overall, it's stressful and I am planning to quit this card.… read more
Jul 01, 2017
Worst customer service ever. I was very disappointed how Hazel, the manager, treated the customer. She can close the card easily, but can not sent verification via email since my card was blocked. Goodbye GAP card, not worth it at all.
Jul 01, 2017
Worst customer service ever. I was very disappointed how Hazel, the manager, treated the customer. She can close the card easily, but can not sent verification via email since my card was blocked. Goodbye GAP card, not worth it at all.
May 08, 2017
I am so frustrated with the lack of service this card offers when needed. You will be on hold most of the phone call. I over paid and they have now misinformed me as to the turn around time. It has really changed my view on shopping with Gap and definitely will never be using this card.
Jun 20, 2016
Decent rewards - horrible fraud detection. Basically you can only use the card in your state. Forget mail order, traveling, online,.... When you call they have the worst customer service I have ever experienced. They want you to call before using - stay on hold,...
May 28, 2016
Beware of Fake promotions sent my Mail.I was sent a promotion by mail saying 5X points for every $1 spent outside Gap.I spent $3000 and i am supposed to receive $150 in rewards(15000 points) but i was not given the reward.When i called the customer service they simply said the rewards team is not going to honor the promotion.GAP sends out promotion just to lure customers use GAP credit card and then not giving the rewards as promised.… read more
Apr 19, 2016
This is the WORST CARD EVER I'm all ready pay the 85% of my balance an I still have to pay the same interest for the 100% of my debit, no just for the 15% remain balance
Apr 16, 2016
Ridiculously high interest rate and DO NOT BE LATE EVER, you'll pay for it.
04/16/16
Oh and the fees, lawdy there's no savings with this card unless you pay it off each month. The last straw was receiving a snail-mail letter saying they were unsuccessful emailing my statement and I was now late. I never changed my email and have no idea why they suddenly were unable to send the statement. I got charged a $25 fee plus $25 late fee. I don't even know what the first $25 fee was for, I guess because they couldn't send my statement via the same email I've had on file since day ONE. At this point I didn't care and canceled it, paid off the full balance. I'm done.… read more
Mar 08, 2016
one of the worst cards ever to have. Gap lures customer to get the card saying it's a rewards card and not clearly state that it is a credit card.
Jan 03, 2016
These guys are bad in customer service and their software are not good enough in maintaining your card balance. Credits for an item purchased at their Banana store was not applied to their own card and after raising dispute and multiple followups no one is ready to listen. every time I call their customer service to followup in dispute I raised , I have to tell the,m the whole story from scratch. Seems these guys are not even maintaining account properly.… read more
Dec 04, 2015
I am so sick of Gap Credit Card . They are a joke ! I got approved for a credit card October 26, 2015 and never received my card and it's now December 4, 2015 . I have called them multiple times and I have been told 1000 different things . They transferred me 7 different times and one of the reps told me I would get the block of my account as well so I could use it in stores . I was told they can't send my card because I didn't send documentation for my new address but yet they sent my statement there ! I wish I would have NEVER EVER got this credit card ! Their customer service is the worst and sucks so bad ! DO NOT GET THIS CREDIT CARD or any other card with Synchrony Bank !!!!… read more
Nov 14, 2015
I recently had bad experience with gap credit card ..I didn't received my card with chip in it so called customer service and they of course close old one and sent new..but rep. Omitted to tell me there was balance due of $1.99 ..so as I go about month charging spending, and I check my mobile gap account but I do not see anything wrong..today I was in McDonald's in line about 20min lunch (crowd) cashier tells me card is declined, how embarrassing. Called CSR..So their system doesn't care if it $1 or 100 or 1000. Late is late and we make no apologies for it ..it's the system ..well gap system sucks ..you have technology to text me about sale and rewards but not about my 1.99 transfer you did when gap closed my account. Thanks gap for wonderful education that humans don't control the machines and people screw people. Thank for letting me rant and share something about gap policy if you didn't know.… read more
Oct 31, 2015
Customer service people sitting with half knowledge and they act like they are very smart and intelligent...sometime i just laugh inside with anger. when i ask them to prove they just become horrible and rude. They don't know what they provide information to their customers. Reward point is big joke. if you return using your reward points, they wont credit back those point. I already lost $200 worth points with this so called Gap Visa credit card. I used my other credit cards like master and discover many time to transfer monry through western union. they never charged me extra $10 fees and with gap visa, First time I used this card to transfer money through western union and boom i see $10 extra fees. outrageous..I don't recommend anyone to go Gap Visa Credit card. WORST CREDIT CARD EVER ;-(… read more
Oct 29, 2015
The GAP credit card is great for the avid GAP/Banana Republic shopper, with all of the discounts they provide. However, the interest rate is outrageous; and honestly, who regularly shops at these shops anymore? I honestly prefer my Citicard. I get 1 point for every dollar spent on anything, and 2 points on every dollar spent on gas and groceries; plus my APR is only 12%.
Sep 04, 2015
Do not touch this card with a ten foot pole. It kept declining on me (I used it for my daycare to get the rewards.) Not only was it embarrassing, but every time it declined, I was charged $25, even though I paid the balance every month and there was plenty of room on the card. I called them every time it declined and every time they said the issue was fixed and I could use the card. Then they refused to refund the money they charged for the decline fees!
Rip off. Stay away.… read more
Rip off. Stay away.… read more
Aug 13, 2015
Save yourself a huge problem and don't get this card! High APR, the "rewards" aren't even usable and customer service is THE WORST...worse than Comcast, which should say something. Credit cards make money for the company, they don't care to keep your account open and help with your issues.
Aug 05, 2015
The Gap Credit Card is great of you shop at stores like the Gap and the other retailers where the card offers points. It works out to about a 5% discount on all your purchases to the retailers like The Gap, Old Navy, etc. There are other reward points that add up to even more savings.This seems generous compared to other cards. The APR is high, so if you don't pay your balance every month you might not save very much.… read more
Jun 23, 2015
I've been a card member since 2001 and was a GAP employee for about 5 years, so being as loyal to GAP as I am, I'm appalled on how the customer service has been to get a payment situation handled. I made a payment through my bank that was sent through my old account number (received a new card w/a new number after the fact) and called to get my funds transferred over to the new account. It's been a month and after SEVERAL OUTSOURCED phone calls, the situation has not been resolved and my money is no where in sight. Now the past due amount is on my credit report where they say they will get this resolved and I don't feel confident that this will happen. So disappointed. They have lost a valued customer, that's for sure. No longer using the GAP card.… read more
May 19, 2015
This card is a pretty decent stand alone card for somebody who frequently shops at GAP or Old Navy. I've found that the rewards system of this card doesn’t quite compare with other stores’ rewards cards (such as Amazon), offering less for having to spend more money. However, if you are a big fan of the GAP or Old Navy or an affiliate, it is not a bad deal.
May 01, 2015
I love the GAP credit card. You can use this card at many different locations, including Old Navy and Banana Republic! I really enjoy the 15% off you get towards your first purchase when you sign up for the card. I also enjoy earing points towards their rewards system. The APR is a little high, but if you pay your bill on time, there is no problem!
Apr 16, 2015
Gap credit card is the best! You can use this card at a number of locations, but my favorite is Gap, Old Navy and Gap Factory. While you get points for every dollar you spend, there are lots of times you get updates when points are doubled and then they send you an email that tells you your rewards. It is easy to use and easy to pay your bills online. Once you sign up you get a 15% off your order and then you can add up those points quickly by signing up for emails and paperless billing. The emails enable you to special sales and deep discounts. I haven't been disappointed yet!… read more
Apr 16, 2015
The GAP Credit Card is great! I love the 500 bonus points for paperless statements as well as the member exclusive benefits and the 2000 bonus points for email sign up. In comparison to my TJ Maxx credit card, the GAP credit card offers a better initial sign up bonus which is great. The only disadvantage I see to this credit card is the high interest rate.
Mar 30, 2015
I've had this card for some time now and what I enjoy the most is that aside from the initial 15% off you get when you sign up, they send you coupons with every statement. This might prove to be too much fuel for a shopaholic but it's a very pleasant bonus. What I dislike though is that compared to our store cards they don't offer a discounted or 0% APR for certain purchase amounts. This honestly has been a deal breaker for most store cards I get.… read more
Feb 26, 2015
I was just approved for my card, and the one thing that I love about this card that you don't see to often is that you can use it at other "sister" stores. I can shop at GAP for myself, head over to Banana Republic for my daughter, and then to Old Navy for my husband and son, and use the same card for each store! The interest is a little high for a store card, however you are immediately given 15% of your purchase when you are approved. On top of that there are other card benefits like you earn points on your purchases and you are notified of offers exclusive to cardholders. Their website is user friendly to manage and pay bills, and I am sent an email reminder in case I forget to pay.… read more
Feb 05, 2015
I actually like this card in terms of the amount of rewards you can receive -- as long as I am shopping in those stores at the time. I have not been earning as many rewards as the GAP has not had stellar kids' clothes in the last year. Therefore, I did not make Silver this year, which I think is kind of weak to just cut off it a person doesn't make it in a year. One of the main reasons why I HAVE this card is to get the free shipping. However, in years past, I have easily earned a lot of rewards and used them across the GAP's various brands, namely GAP Kids and Banana Republic. I also like that you can combine items from the brands to get free shipping.… read more
Jan 06, 2015
I think this is a pretty weak rewards card. I think it would be alright if you shop at the Gap, Old Navy, Piperlime or Athleta ALOT. If you do not then I don't see much benefit. I think a non-store based rewards card is much smarter. My PNC points card earns about the same and they give bonuses for maintaining a checking account. The best thing is I can spend money anywhere and qualify for the bonuses. I don't like being limited in the way a card like the GAP card does. Finally let's note the huge APR! My PNC points card APR is much lower than that.… read more
Nov 12, 2014
It is a great deal that Gap is offering 15% off a purchase when you get approved for this card! You can earn points by spending at two additional stores other than Gap. With my old credit card through American Eagle Outfitters you could only earn points from that store. This Gap card is so much better than my AEO card, they even offer a 23 day grace period and put a $35 cap on late fee. To top off all of this, card holders have the benefit of a weekly 10% discount!… read more
Oct 16, 2014
This is your typical store branded credit card, but you could also use anywhere else where Visa is accepted. I like the benefits that this card gives to its users such as 10% off on tuesday at Gap, Old Navy and Piperlime (It would definitely encourage you to use the card to save a bit more on your purchases), and those purchases also comes with a fair rewards point system, but nothing that I haven't already seen in other store cards. My TJ Maxx card has the same point system. Cash advance rates and cash advance fees seem rather high, but all can be avoided if you don't take money off this card. Everything else seems fairly reasonable in terms of fees. Just pay it off on time, and you will be fine. Overall this card is an okay store credit card which will favor the die hard Gap, Old Navy fans.… read more
Sep 15, 2014
This VISA-branded GAP Credit Card is basically a store card that can also be used just like a regular credit card. That fact may explain a GAP Credit Card requires a credit score range of Excellent or Good, which is more demanding than the average store card.
The unlimited overlimit fees and high interest are more in line with a regular store card, and may come as a shock for customers used to lower fees concomitant with better credit scores than the regular store card bearer, who have a lower credit score range, for which this card may be out of reach.
Compared with my regular Discover credit card, who also has a 100pt-equals-$1 bonus program, this card is only an advantage if you are sure to pay up at the end of the month, and spend a lot of money in the stores promoted on this card. Otherwise, if you have that good of a credit score, you can probably find cards with better bonus point programs than this one.
Notice also the 15% discount on Tuesdays does not help in raking up more points, though it does help with your clothing expenses. I guess you cannot win them all!… read more
The unlimited overlimit fees and high interest are more in line with a regular store card, and may come as a shock for customers used to lower fees concomitant with better credit scores than the regular store card bearer, who have a lower credit score range, for which this card may be out of reach.
Compared with my regular Discover credit card, who also has a 100pt-equals-$1 bonus program, this card is only an advantage if you are sure to pay up at the end of the month, and spend a lot of money in the stores promoted on this card. Otherwise, if you have that good of a credit score, you can probably find cards with better bonus point programs than this one.
Notice also the 15% discount on Tuesdays does not help in raking up more points, though it does help with your clothing expenses. I guess you cannot win them all!… read more
Sep 02, 2014
I feel like this card offers some unique savings that are also great business promotions, like the 10% off Tuesdays at the select stores. A no interest on purchases of a certain limit, like the Home Depot credit card of $300, would make me interested in using this card. That would skew the interest being somewhat high on this card.
Aug 08, 2014
This Gap card offers many different incentives for signing up, and would be a great card for the consumer who shops at Gap often. This interest rate is comparable to other store cards, such as Old navy and JC Penny.
Jul 26, 2014
the gap credit card looks like a good card .in my option i dont think it is.i wouldnt use this kind card.there is so many better ones to choose from.visa and master cards are pretty good
Jul 05, 2014
The GAP credit card offers a variety of incentives, all which are applicable at many of my favorite stores. This is better than the KOHL’s credit card, which can only be used at a Kohl’s store. However, the interest rate on the GAP card is rather high compared to the lower rate offered by Kohl’s.
Jun 06, 2014
As a holder of a few store credit cards, I would have to say that the APR rate on the GAP Credit Card is about average. It is a perfect card to have if you pay off your bill in full each month. The reward points are great. They will send you a gift card code via email once you hit a certain amount of points. The great thing about this card is you can use it through several different stores.… read more
May 27, 2014
Compared to my student Discover Card, the APR on the Gap Credit Card seems very high, as does the Cash Advance Rate. And since I don't do a lot of clothing shopping, this doesn't seem like a program whose rewards would be terribly useful to me. It might be good for someone who does a lot of shopping at Gap, Banana Republic, or Old Navy though, but I like the broader rewards offered by Discover, personally. I like that there is a benefit for using paperless statements but ultimately wouldn't get a lot of use out of this card.… read more
May 09, 2014
Compared to my visa card from macys the cash advance rate and the regular rate seem pretty darn high. the rewards program seems like it would be pretty good. and 10% off every tuesday it nice as well.
Apr 17, 2014
I've actually used this card in the past and I can say that I never really enjoyed the rewards. Points only applied on clothing purchases in Gap stores and that got old fast. I soon switched to other cards with more comprehensive offerings.
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We work hard to show you up-to-date product terms, however, this information does not originate from us and thus, we do not guarantee its accuracy. When you click "Apply Now" you will be directed to the offering institution's website. In addition, keep in mind that actual rates and other information may vary for a number of reasons including the applicant's' creditworthiness and differences between an individual's situation and the criteria/assumptions used to generate the information displayed. Before submitting an application, always verify all terms and conditions with the offering institution. Please let us know if you notice any differences.
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Irrespective of whether an offering institution is a paid advertiser, the presence of offer information on WalletHub does not constitute a referral or endorsement of the institution by us or vice versa. Furthermore, offers have not been reviewed or approved by the offering institution. Information is displayed first and foremost to help consumers make better decisions.
Editorial and user-generated content on this page is not provided, commissioned, reviewed, approved or otherwise endorsed by the issuer. In addition, it is not issuer’s responsibility to ensure all posts and/or questions are answered.
Last updated on: May 25th, 2018 at 13:28
Related Credit Cards
If you are interested in the GAP Credit Card, check out the following credit cards as well:
Other Gap Cards
WalletHub is an independent comparison service.
We work hard to show you up-to-date product terms, however, this information does not originate from us and thus, we do not guarantee its accuracy. When you click "Apply Now" you will be directed to the offering institution's website. In addition, keep in mind that actual rates and other information may vary for a number of reasons including the applicant's' creditworthiness and differences between an individual's situation and the criteria/assumptions used to generate the information displayed. Before submitting an application, always verify all terms and conditions with the offering institution. Please let us know if you notice any differences.
Ad Disclosure: Offers originating from paying advertisers are noted as “Sponsored” at the top of this page. Advertising may impact how and where offers appear on this site (including, for example, the order in which they appear). At WalletHub we try to present a wide array of offers, but our offers do not represent all financial services companies or products.
Irrespective of whether an offering institution is a paid advertiser, the presence of offer information on WalletHub does not constitute a referral or endorsement of the institution by us or vice versa. Furthermore, offers have not been reviewed or approved by the offering institution. Information is displayed first and foremost to help consumers make better decisions.
Editorial and user-generated content on this page is not provided, commissioned, reviewed, approved or otherwise endorsed by the issuer. In addition, it is not issuer’s responsibility to ensure all posts and/or questions are answered.
Offer last updated: May 25th, 2018 at 13:28 ET