GAP Store Card Reviews: Is It Worth It? (2026)Reviews, rates, fees, and rewards details for The GAP Store Card. Compare to other cards and apply online in secondsJohn KiernanWalletHubNo membership feesHigh rewards rate20% discount initial rewards bonusQualify with fair creditHigh regular APR
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 Store Card has a rating of 3.6/5 according to our proprietary credit card rating system. This rating reflects how appealing GAP Store 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 Store Card earned a score of 5.0/5 for Fees, 3.5/5 for Rewards, 3.6/5 for Cost, and 3.8/5 for User Reviews. Info about the GAP Store 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
3.8/5
273 reviewsRead and write reviews
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, Fair Credit
Annual Fee
$0
APR on Purchases
33.24% (V)
Balance Transfer
Balance Transfers Not Allowed
Rewards
Receive 20% off your first purchase with your card within 14 days of account opening.
Earn 5 points for every $1 spent at Gap, Banana Republic, Old Navy, and Athleta.
500 points = $1 Reward redeemable in the Encore Market with exclusive products, offers, and experiences or on purchases at Gap Inc. brands.
Free standard shipping on orders of $35 or more for eligible All-Access members when signed in and paying with your card.
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.
User Reviews
3.8
Market Comparison
3.6
fees: 5.0
rewards: 3.5
cost: 3.6
Other Features: 0.0
3.6WalletHub Rating
WalletHub Rating
3.6
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 Gas 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
4.5
User Reviews
3.6
Market Comparison
3.5
fees: 5.0
rewards: 3.0
cost: 3.6
Other Features: 0.0
4.0WalletHub Rating
WalletHub Rating
4.0
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
4.7
User Reviews
3.9
Market Comparison
4.0
fees: 2.1
rewards: 4.3
cost: 4.6
Other Features: 0.0
(273)
(1,068)
(1,621)
annual fee$0
annual fee$0
annual fee$0 intro 1st yr, $95 after
rewards rate 5 points / $1
rewards rate 1 - 5% Cash Back
rewards rate 1 - 6% Cash Back
bonus offer20% discount
bonus offerNone
bonus offer As High As $300 Cash Back. Find Out Your Offer.
Purchase Intro APRNot Offered
Purchase Intro APRNot Offered
Purchase Intro APR0% for 12 months
transfer intro aprNot Offered
transfer intro aprNot Offered
transfer intro apr0% for 12 months|Transfer Fee:3% (min $5)
Can't find what you are looking for? Submit your question about GAP Store 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.
No, you cannot pay your GAP Credit Card in person at a store, as GAP locations do not provide this option. The only ways to make payments on your GAP Credit Card are by mail, phone or online, and online is usually the fastest option.
Ways to Make a GAP Credit Card Payment
Online by going to https://gap.barclaysus.com/servicing/home
Over the phone by calling (866) 383-5315
By mail (Card Services/P.O. Box 60517/City of Industry, CA 91716-0517)
No matter how you pay your GAP Credit Card bill, make sure to make at least the minimum required payment by the due date each month. Paying in full, if possible, is ideal for your credit score and lets you avoid interest. You can learn more about the best strategies for paying credit card bills right here on WalletHub.
You can buy a gift card with the GAP Store Card, but you can only do so at GAP stores or on GAP.com. The GAP Store Card is a store card, which means you can't use the card everywhere.
The GAP Store Card standard spending-based rewards are typically credited after each respective purchase is processed and posts to your account. Your first-purchase discount will be applied at checkout.
Annual bonuses should be distributed within a month or two of you qualifying for them.
No, you cannot use your GAP Store Card anywhere you want. The GAP Store Card is a store card, which means it is not backed by any major credit card network and only works at affiliated locations.
Even though store credit cards have limited acceptance, they can still be a good deal for brand-loyal customers. The GAP Store Card offers 5 points per $1 spent at Old Navy, Gap, Banana Republic and Athleta. It also has an annual fee of $0.
Once you become eligible for Gap Silver Status, the benefits should be automatically applied to any purchase you make from then on. If that's not happening, we recommend contacting Synchrony Bank's customer service department at 1-800-887-1198.
Share your insights and review for the GAP Store Card
5
23%
4
59%
3
7%
2
4%
1
7%
3.8
273 reviews
273 reviews
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Armie Balce @apbalce
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1 Star Rating
Verified Customer
After thinking I had paid the entire balance based on the total amount sent in the invoice, no more paper bills arrived by mail. Two months later, with two late payment charges as well as interest charged on the previous interest that I was unaware of, my credit score plummeted. I looked into it and found that it was due to this GAP Citibank Card. I demanded that customer service and a manager rectify this since it was not a problem on my part. They were unable to do anything on their end and were unable to drop a late payment charge, although I'm certain they have the capability. Chase is much better as, based on experience, they are capable of handling all those issues. The whole idea of paying the full balance was to increase my credit score; unfortunately, with this company, they made it worse. Never again. I don't even want to shop at GAP or Banana Republic unless they switch their sponsor to Chase, nor do I want to attend any shows or sporting events at the Barclays.
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0
0
Stacy Lopez @stacyl12
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1 Star Rating
If I could give this zero stars, I would. It seems every time I went to pay they magically lost all my sign in information online. So, whenever I had a balance and wanted to pay it off, it would be no less than an hour to log on. Now I'm in dispute because I found out that a balance that was paid thirteen months ago, Gap forgot to mark it as paid. I seriously think there's something shady going on with this company.
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2
1
Chelsea Hickok @chelseah6
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1 Star Rating
The customer service on this card is incredibly shitty. I've called so many times trying to talk to an actual person. The automated system is horrible. It takes a week to get statements older than three months. I plan on paying this off as quickly as possible and closing my account.
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6
0
Tom Smith @tomsmith_tam
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4 Star Rating
I had the Gap credit card in the past, and I was overall pretty pleased with it. It requires decent credit to open, but you do get 15% off your shopping purchase. If you like to shop at Banana Republic, Piperlime, Athleta and Old Navy, you also earn points per dollar you spend there too. There are $10 rewards gift cards for every 1,000 points you earn. There are special savings for your birthday as well. The interest rate is fairly high so I would recommend using this card with caution and paying it off in full monthly.
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5
0
Arie Fay @arief2
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5 Star Rating
As a loyal Gap shopper, I got the Gap Credit Card because the 5 points per dollar spent at Gap and her sister stores was very attractive. During promotions, Gap cardholders often enjoy bigger discounts compared to non-cardholders. I spent over $1,000 in my first year as a cardholder which got me upgraded to Silver status. Holding Silver status, not only do I enjoy free shipping at gap.com that is not subject to a minimum purchase, I also get free shipping from all Gap brick and mortar stores nationwide. The aforementioned benefit makes hunting for a particular item stress free.
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3
1
Amanda McDaniel @amandam_38
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5 Star Rating
I have had a GAP card for many years. The best thing about this card is the rewards. If you know you're going to be purchasing an item with this card and can be responsible with paying it off every month, it is a no brainer. The rewards are easy to accumulate and can help with future purchases. There are also special deals for card holders on certain days. Right now it is 10% off on Tuesdays.
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Comment
6
0
Brianna Gillett @briannag1
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4 Star Rating
This card has been pretty useful overall. I applied for it a few years ago when I needed to do some back to school shopping for college. I was happy when they gave me a $1000 line of credit with very little hassle, and a low interest rate as well. I have been using the card for purchases at GAP and affiliated stores ever since with no trouble. I pay off the balance every single month, which is probably why I've had no problems. I have heard of some people who get their interest rates jacked up because they've missed a payment, but I kind of think that's to be expected. Another cool thing about the GAP card is the discounts that you can earn when you spend a certain amount of money. I get coupons in the mail all the time, and they can add up to pretty significant savings. I recommend this card to anyone who intends to pay the balance off in full every month and wants to get free rewards.
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6
4
Selena Makrides @selenam_1
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2 Star Rating
I got this card because, living in a smaller town for college, Gap was one of the only stoppable stores in town and the 15% discount was pretty appealing. I fully expected to be denied but they offered me an $800 line of credit right off the bat which seemed to be incredibly irresponsible and unnecessary for a moderately priced store. This card comes with a few perks if used responsibly, for example monetary rewards after certain spending amounts which can be used at any stores within the Gap conglomerate. Unfortunately, I didn't use it responsibly and reaped the punishment. The interest rate is astoundingly high and after missing a couple months of payment (each carrying a $35 fine) I was in the hole pretty deep. They sent me to collections almost immediately it seemed, with no effort to contact me aside from the usual paper bill. I only see this card as being worth it for people who shop won't exclusively at Gap and its sister stores and who have the rigor to pay off such a fickle card regularly and responsibly. Don't leave a balance on the card!
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4
8
Laura Jacobs @Laura.L.Jacobs
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3 Star Rating
I've used the Gap card for so many years I've lost count. If you're someone who carries a balance, the interest rate is simply awful. If, however, you pay off your balance on a monthly basis, you'll be accumulating bonus points that you can use to buy clothes at any of the stores under their umbrella. I definitely have taken advantage of their card member only offers too many times, thus raising my membership to the Silver level, which gives you even more benefits than their regular card. All in all, it's not a bad card, if you use it properly. If you don't you can get into trouble with that high interest rate. I've been there, and don't recommend it!
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Comment
3
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Red M Raider @redm.raider
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5 Star Rating
I've had my Gap card for a few years now and it's the only credit card that I own. I primarily shop at Gap brands, especially Athleta. I love that the more I shop the more rewards I can earn which are SUPER easy to use, either in store or online. I can also use the card outside of the store and earn rewards. Fill up my car and buy groceries, then get free Kate Spade earrings at Piperlime? Yes please!!! The APR is really high but I simply pay off my card every month so thankfully I don't have to worry about the interest rates. Oh one more thing, they usually have cardholder appreciation days where you can pre-shop the sales plus get substantial percentages off of your purchase.
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