The Gap Credit Cards and Rewards Program – Everything You Need to Know

If you’ve been to a mall, you’ve surely seen a Gap. With recent branch additions like GapKids, babyGap, Gap Factory Stores, and more — plus nearly 4,000 stores in over 90 countries — the brand has really taken over worldwide.

Gap provides an array of casual, modern basics and is always striving to bring the customer wardrobe staples that are both comfortable and stylish.

So what about its credit card? Can it help you save some hard-earned cash on your purchases?

In this review, we delve into the differences between the Gap credit cards, how the Gap credit card rewards program works, the fees and drawbacks, and much more.

We also cover why you might want to consider an alternative rewards card, especially to avoid the high APRs of these 4 Gap credit cards.

Read on to find out if any of these Gap cards are the right ones for your wallet.

The Gap Credit Cards at a Glance

All 4 cards above are rewards-based co-branded credit cards offered by Gap Inc and issued by Barclays.

As you can see in the table above, there are 2 main types of Gap credit cards:

• Basic Gap cards
• Gap Silver “status” cards

Gap Card and Gap Visa Card

These are the basic or base-level credit cards for Gap.

Gap Card

This is a basic store-branded credit card. Usually, this means it can only be utilized for the specific store it’s branded with: in this case, Gap.

However, the Gap credit cards differ slightly from other store-branded credit cards because Gap Inc. has a family of brands (Gap, Old Navy, Banana Republic, and Athleta), so your card can be used at these stores as well. 

The main benefits of the Gap card include:

• 5️⃣ Earn 5 points for every $1 spent across Gap Inc. brands
• 💰 $5 Reward for every 500 points earned
• 🛍 Bonus point shopping days
• 🚫 Zero fraud liability
• 🎂 Surprise birthday gift
• 🙌 20% off of your first purchase

Gap Visa Card

This card is one step up from your basic Gap card. The Visa distinction means this card can be used anywhere Visa is accepted.

Gap Visa cardholders enjoy the same main benefits as Gap cardholders (above), PLUS:

• 💳 1 point per $1 spent anywhere Visa is accepted
• 🔥 Special Visa cardholder offers and promos
• 💪 3,000 bonus points for new Visa cardmembers with qualifying purchase*

* Gap’s fine print states new Visa cardholders will receive 3,000 bonus rewards points if they make a qualifying purchase outside of its brands and the charge posts to the account within 30 days of it being originally opened. Additionally, the account must remain open and be in good standing to receive the bonus.

Gap does not specify what this “qualifying purchase” is. We assume it’s similar to a standard “sign-up bonus” for other popular rewards cards, where cardholders are required to meet a certain minimum spend amount within a specific period of time to achieve this 1-time bonus. You’d likely receive notification of this bonus offer with your approval.

Gap Silver Card and Gap Silver Visa Card

These are Gap’s “status” or elite spending cards. Individuals cannot apply for these cards outright — current Gap card or Gap Visa cardholders must achieve the following to earn Gap Silver status:

• Earn 5,000 reward points (excluding bonus points and returns) within a calendar year
• Make the minimum payment by the due date after reaching the 5,000 points
• Keep their account in good standing

The terms and conditions of this program state that upgrades to Gap Silver status will be processed within 90 to 120 days after the customer qualifies.

Something to note: the cardholder must re-qualify each calendar year to maintain their Gap Silver status.

Gap Silver Card

All Gap Silver cardholders receive benefits above and beyond those mentioned above for basic cardholders.

That means:

• 5️⃣ Earn 5 points for every $1 spent across Gap Inc. brands
• 💰 $5 Reward for every 500 points earned
• 🛍 Bonus point shopping days
• 🚫 Zero fraud liability
• 🎂 Surprise birthday gift
• 🙌 20% off of your first purchase

PLUS:

• 📦 Free 3- to 5-day shipping on any Gap Inc. online order
• ✨ 20% bonus points each quarter
• 🧵 Free basic alterations on Banana Republic purchases
• 🎉 Choose Your Own Sale Day
• 📞 A dedicated Silver cardholder toll-free priority line

As with the basic Gap card, the Gap Silver card can only be utilized at Gap and the Gap Inc. family of brands (Gap, Old Navy, Banana Republic, and Athleta).

Gap Silver Visa Card

This is the upgraded version of the Gap card and can also be used for purchases anywhere Visa is accepted. 

In addition to the perks above, the Gap Silver Visa card includes:

• 💳 1 point per $1 spent anywhere Visa is accepted
• 🔥 Special Visa cardholder offers and promos
• 💪 3,000 bonus points for new Visa cardmembers with qualifying purchase**

** To become a Gap Silver Visa cardholder, you would have initially been a Gap Visa cardholder who was upgraded due to elite points earning. Therefore, it’s likely you would have received this new Visa cardmember offer upon initial approval for your Gap Visa card. The fine print reports that each account is only eligible for 1 offer, so it’s extremely unlikely you would be given the opportunity for this new cardmember bonus again.

Hot Tip: Gap Silver cardmembers can receive free 3-5 day shipping by entering code MYCARD at checkout. 

Additional Visa Card Benefits

In addition to all of the perks already mentioned above, being a Visa cardholder entitles the rewards member to a few additional benefits standard to all Visa credit cards:

• 🔐 Chip and signature technology
• 📞 Cardholder inquiry services
•  Lost or stolen card reporting
•  Emergency card replacement and cash disbursement
•  Auto rental collision damage waiver
•  Roadside dispatch (a pay per use system)

Gap Credit Card Rewards: In-Depth

Earning Points

In general, the Gap credit card rewards program is pretty simple.

Regardless of which of these 4 cards you have, cardholders earn 5 points for every $1 spent across the Gap Inc. brands. Points can be earned in-store, online, or on purchases made by phone or mail.

The Gap Inc. family of brands includes:

As we mentioned in the sections above, if you’re a Gap Visa card or Gap Silver Visa cardholder, you will also earn 1 point per dollar spent on all other purchases (anywhere Visa is accepted) and 20% bonus points each quarter. These points will be applied to your account once the quarter is complete.

You may also earn a 1-time bonus of 500 points each for the following:

• Signing up for emails from Gap Inc. brands
• Enrolling in paperless statements via the online portal

How Rewards Are Issued

Once a rewards member earns 500 points, a $5 Reward will be issued. 

These rewards can be used at any of the Gap Inc. family of brands and are generally issued to the member’s account at the end of each billing cycle.

There is no limit to the number of points a member can earn. However, the program fine print states the max reward that will be issued in any 1 billing cycle is $250.

Additional terms state that points that are less than the number required for the lowest reward denomination (<500) will be applied toward the rewards for the next billing cycle.

Let’s take a look at a simple example from the reward program’s terms and conditions:

“If you earn 2,700 Points on your Gap Account, you will receive a $25 Reward and 200 Points will carry forward in your Rewards balance for your next billing cycle; if you earn 5,000 Points on your Banana Republic Account, you will receive a $50 Reward; and if you earn 1,500 Points on your Old Navy Account, you will receive a $15 Reward.”

Using Your Rewards

Each reward issued will have a clearly printed expiration date, so be sure to check for that and make your purchases within the valid reward window.

The program’s terms state members may redeem up to 3 rewards in a single transaction in-store, but up to 5 rewards if shopping online or purchasing over the phone.

What about stacking? Rewards may be combined with 1 other promotional offer AND they can be applied toward sale items at any store location.

A few important stipulations to note:

• When redeeming a reward, the purchase amount is required to be greater than the reward amount (i.e., you can’t use $15 in rewards for a $12 purchase)
• The residual amount owed on your purchase after redeeming your rewards certificates MUST be paid with a Gap Inc. credit card
• Rewards may only be utilized by the rewards member who earned them — you may not give them to another individual

Managing Your Rewards

You can find more information on viewing and managing your rewards account in the Login and Online/App-Based Account Management section below.

Fees and Drawbacks of the Gap Cards

Every credit card will come with its own fees and drawbacks. Check out this table where we breakdown some of the basics.

Fees

So how do you go about avoiding unnecessary fees or penalties?

Be a responsible cardholder. Plain and simple. 

Being a responsible cardholder means you should aim to pay off your balance in full on time each month. If you can’t, you should attempt to pay as much as you possibly can on time each month, and at the very least make the minimum payment.

Making payments in this manner will ensure you either don’t carry a balance or you carry the smallest balance possible to keep extra fees/penalties to a minimum.

This way, you’ll avoid or minimize the MONSTER purchase APR. At 25.99% variable, a hefty credit card balance will get you into trouble pretty quickly!

Hot Tip: If low APR is important to you, check out our article on the best 0% APR credit cards.

Additional Drawbacks

Obviously, 1 huge drawback of the basic Gap card and Gap Silver card is that both the card and rewards points can only be utilized at Gap (and the Gap Inc. family of brands).

If you’re an avid Gap shopper, this isn’t a drawback because you won’t mind having rewards you can only use in 1 place. However, if you’re interested in diversifying how you spend your rewards (i.e., cash-back to spend on whatever you want or travel rewards with a multitude of redemption options), you won’t find that availability here.

Alternative Rewards Credit Cards (Recommended)

If any of Gap’s credit cards are of interest to you, then you’re likely interested in earning cash-back.

And if this is the case, there are some alternative cards that could be more suited to you and your spending habits.

A great example of this is the Chase Freedom Unlimited^®, which earns 5% back on travel through Chase Travel, 3% back on dining and drugstore purchases, and 1.5% back on all other purchases.

INTRO OFFER

Chase Freedom Unlimited^®

U.P. Rating 

The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

This all-purpose cash-back card offers great bonus categories, including bonus points for every purchase you make!

Apply Now(at Chase's secure site)

Chase Freedom Unlimited^®

This all-purpose cash-back card offers great bonus categories, including bonus points for every purchase you make!

Welcome Offer

Earn an additional 1.5% cash back on everything you buy (on up to $20,000 spent in the first year) - worth up to $300 cash back!

Up to $300 cash-back

Annual Fee

$0

APR

0% Intro APR for 15 months on purchases and balance transfers, then a variable APR of 19.74% - 28.49%.

Credit Recommended

Upgraded Points credit ranges are a variation of FICO^®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.

Good to Excellent (670-850)

Why We Like This Card

The Chase Freedom Unlimited^® is easily one of the best cash-back credit cards on the market. There aren’t many no-annual-fee credit cards that offer multiple great bonus categories like 5% back on travel purchased through Chase, 3% back on dining and drugstore purchases, and 1.5% back on all other purchases.

When paired with other Chase cards in the Ultimate Rewards family, you can transfer that cash back into points if you wish – making it one of the most lucrative cards in your wallet.

Pros & Cons

Pros

• 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 19.74% - 28.49%.
• 5% back on travel purchased through Chase Travel℠
• 3% back on dining and drugstore purchases

Cons

• 3% foreign transaction fee

Read Full Review

Card Highlights

• INTRO OFFER: Earn an additional 1.5% cash back on everything you buy (on up to $20,000 spent in the first year) - worth up to $300 cash back!
• Enjoy 6.5% cash back on travel purchased through Chase Travel℠, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; 4.5% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 3% on all other purchases (on up to $20,000 spent in the first year).
• After your first year or $20,000 spent, enjoy 5% cash back on travel purchased through Chase Travel℠, 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1.5% cash back on all other purchases.
• No minimum to redeem for cash back. You can choose to receive a statement credit or direct deposit into most U.S. checking and savings accounts. Cash Back rewards do not expire as long as your account is open!
• Enjoy 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 19.74% - 28.49%.
• No annual fee – You won't have to pay an annual fee for all the great features that come with your Freedom Unlimited^® card
• Keep tabs on your credit health, Chase Credit Journey helps you monitor your credit with free access to your latest score, alerts, and more.
• Member FDIC

Financial Snapshot

• APR: 0% Intro APR for 15 months on purchases and balance transfers, then a variable APR of 19.74% - 28.49%.
• Foreign Transaction Fees: 3% of each transaction in U.S. dollars

Rewards Center

Chase Ultimate Rewards

Another option is the Blue Cash Everyday^® Card from American Express, which earns 3% cash-back on U.S. online retail purchases of up to $6,000 per year, then 1%.

Terms Apply / Rates & Fees

Blue Cash Everyday^® Card from American Express

U.P. Rating 

The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

This cash-back card offers a capped 3% at U.S. supermarkets, 3% at U.S. gas stations, and 3% on U.S. online retail purchases!

Apply Now(at Amex's secure site)

Apply With Confidence

Know if you're approved with no credit score impact

If you're approved and accept this Card, your credit score may be impacted.

Blue Cash Everyday^® Card from American Express

This cash-back card offers a capped 3% at U.S. supermarkets, 3% at U.S. gas stations, and 3% on U.S. online retail purchases!

Welcome Offer

Earn a $200 statement credit after you spend $2,000 in purchases on your new Card within the first 6 months.

$200

Annual Fee

$0

APR

18.24%-29.24% Variable,0% on purchases for 15 months

Credit Recommended

Upgraded Points credit ranges are a variation of FICO^®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.

Good to Excellent (670-850)

Why We Like This Card

When it comes to cash-back credit cards, there are dozens of options to choose from. So what sets the Blue Cash Everyday^® Card from American Express apart from the rest?

This card is excellent at earning cash-back on your everyday purchases at U.S. supermarkets, U.S. gas stations, and on U.S. online retail purchases. So if you regularly spend money on everyday purchases, this could be the perfect card to add to your wallet.

Pros & Cons

Pros

• 3% back on purchases at U.S. supermarkets on up to $6,000 in purchases each year, then 1% back after.
• 3% back on purchases at U.S. gas stations on up to $6,000 in purchases each year, then 1% back after.
• 3% back on purchases on online retail purchases on up to $6,000 in purchases each year, then 1% back after.

Cons

• Rewards are not flexible and can only be redeemed for cash-back. Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit.

Read Full Review

Card Highlights

• Earn a $200 statement credit after you spend $2,000 in purchases on your new Card within the first 6 months.
• No Annual Fee.
• Enjoy 0% intro APR on purchases and balance transfers for 15 months from the date of account opening. After that, 18.24% to 29.24% variable APR.
• 3% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases, then 1%.
• 3% Cash Back on U.S. online retail purchases, on up to $6,000 per year, then 1%.
• 3% Cash Back at U.S. gas stations, on up to $6,000 per year, then 1%.
• Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit or at Amazon.com checkout.
• Thinking about getting the Disney Bundle which can include Disney+, Hulu, and ESPN+? Your decision made easy with $7/month back in the form of a statement credit after you spend $9.99 or more each month on an eligible subscription (subject to auto renewal) with your Blue Cash Everyday^® Card. Enrollment required.
• Enjoy up to $15 back per month when you purchase a Home Chef meal kit subscription (subject to auto renewal) with your enrolled Blue Cash Everyday^® Card.
• Apply with confidence. Know if you're approved for a Card with no impact to your credit score. If you're approved and you choose to accept this Card, your credit score may be impacted.
• Terms Apply.

Financial Snapshot

• APR: 18.24%-29.24% Variable,0% on purchases for 15 months
• Foreign Transaction Fees: 2.7% of each transaction after conversion to US dollars.

Hot Tip: Earn cash-back for shopping at your favorite stores, including Gap.com, at online shopping portal Rakuten. You can even earn American Express Membership Rewards points in lieu of cash-back! The Gap Inc. family of brands is also occasionally featured on Chase Offers and Amex Offers.

Applying for Gap Credit Cards

Individuals wanting to apply for a Gap credit card can do so online or in-store.

HOT TIP: You won’t choose an application for the Gap card or the Gap Visa card — 1 application is submitted for both cards. Applicants are approved for either the Gap card or the Gap Visa card depending on their creditworthiness (at the creditor’s discretion). 

Neither Synchrony Bank nor Gap Inc. has verified the minimum credit score needed for approval on their cards.

The general consensus from most credit card review sites is that individuals with a fair credit score are likely to be approved for the Gap Card. To be approved for the Gap Visa card, you’re looking at a good credit score requirement. However, these rules aren’t set in stone.

Keep in mind that the Gap Silver cards cannot be applied for directly — this upgrade in status must be achieved by earning 5,000 reward points in a calendar year.

Some applicants may be approved instantly for the Gap credit cards. However, other applications may require a review period (usually about 7 to 10 days).

Managing Your Gap Card Account Online

Online Management

Synchrony Bank provides a platform for Gap cardholders to manage their account online.

If it is your first time utilizing the platform, you will need to register for an account. If you’ve already registered, log in with your username and password.

Within the platform, users have the following options:

• View account activity
• View billing statements
• Make a payment
• Set up paperless statements (and earn bonus points!)
• Set up alerts

Hot Tip: Gap cardholders cannot pay their bill in-store. The only options for payment are online, by phone, or by mail. 

App Management

As an alternative option, Gap has rolled out a mobile app for iOS with a tab for account management.

Via the Wallet tab, users can manage all aspects of their account, including:

• Managing your Gap Inc. credit card
  • Viewing statements
  • Setting up alerts
  • Paying bills
• Managing points and rewards
  • Tracking progress
  • Linking cards

Unfortunately, at this time the Android app does not appear to have the option of managing your Gap card.

Final Thoughts

To sum up, if you’re an avid Gap shopper or enjoy shopping across the Gap Inc. family of brands, this card will likely earn a prized place in your wallet. This is especially true if you earn enough points to achieve Gap Silver status and get the added perks along with it.

However, if you don’t qualify for the Visa, you’re stuck with a card that can only be used at Gap and its brands (Old Navy, Banana Republic, and Athleta). Similarly, no matter which card you have, your rewards will be static — they can only be used within the Gap Inc. family of brands and must be used by their expiration date.

Be sure to pay off your card on time to avoid the hefty APR, and try not to use it for cash advances or foreign transactions as you’ll get slapped with some pretty big fees (many other cards have $0 foreign transaction fees).

If you’re looking for a credit card that is more flexible with its earnings strategy (including bonus points in major lifestyle categories like dining, groceries, gas, etc.), this isn’t the card for you. It’s also not for you if you’d prefer rewards that you can utilize wherever you want.

Lastly, if you’re looking for a more versatile card related to travel rewards, these aren’t the cards for you… you’ve got better options out there!

The information regarding the Gap Credit Card, Gap Visa^® Credit Card, Gap Silver Credit Card, and Gap Silver Visa^® Credit Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer.