Gap Good Rewards Mastercard^®: Full Review [2026]

Great Card If

• You frequently shop at Gap, Old Navy, Athleta, and Banana Republic.
• You shop at these brands online and value free shipping.
• You can pay your bill in full each month.

Don’t Get If

• You don’t shop at Gap or at the other brands within the Gap family.
• You want a card that offers flexible rewards.
• You carry a balance on your card.

Gap Good Rewards Card: Is It Worth It?

The Gap Good Rewards card is only worth it if you frequently shop at Gap, Old Navy, Athleta, and Banana Republic. The card offers perks like free shipping on orders of $50 or more, early access to sales, and special offers, including 20% off your first purchase at Gap with the card (ideal if you’re doing a huge shopping haul). You also get bonus points for shopping at Gap and its family of brands (5 points per $1).

That said, the rewards are very limiting. You only get $1 worth of rewards from 100 points (earned by spending $20), and you can only use them at Gap’s family of brands. Although there’s no annual fee, the card has an extremely high APR, so think twice before carrying a balance.

Gap Good Rewards Card Top Benefits and Perks

These are the perks of the Gap Good Rewards card:

• Get 20% off on your first purchase with your card at Gap (within 14 days of card opening)
• Free shipping on your first purchase
• Free shipping on orders over $50
• Earn 5x Gap Good Rewards points at Gap, Banana Republic, Old Navy, and Athleta
• Earn 1x Gap Good Rewards points for all other purchases
• Enthusiast status in Gap Good Rewards (otherwise, you’d need to spend $500 to reach this)
• No annual fee
• Access to your FICO score
• Early access to sales
• Members-only special offers and discounts
• The ability to donate points to charities (100 points equals $1 donation)
• Fraud liability protection

Best Ways To Earn and Redeem Your Gap Good Rewards

The best way to earn Gap Good Rewards points is to shop at Gap’s family of brands using the Gap Good Rewards card, where you’ll earn 5 points for every $1 spent. Although the bonus earning rate seems high, you’d have to spend $100 to get $5 worth of rewards.

When redeeming rewards, you can only use your reward points for discounts at Gap, Banana Republic, Athleta, and Old Navy.

Alternative Cards to the Gap Good Rewards Card

Consider one of these cards instead of the Gap Good Rewards card, especially if you’d prefer cash-back rewards or flexible rewards.

Blue Cash Everyday^® Card from American Express

If you tend to carry a balance on your credit card, you’ll save with the Amex Blue Cash Everyday card, which offers 0% intro APR on purchases and balance transfers for 15 months from the date of account opening. After that, 19.49%-28.49% variable APR (rates & fees).

Beyond that, you can get 3% back at U.S. supermarkets, on U.S. online retail purchases, and at U.S. gas stations, on eligible purchases in each category, up to $6,000 per year (then 1%).

Chase Freedom Unlimited^®

The Freedom Unlimited card is a cash-back card with no annual fee that offers 5% back on travel purchases made through Chase Travel, 3% back on dining and drugstore purchases, and 1.5% back on all other purchases.

Plus, you can also pair it with a premium Chase Ultimate Rewards-earning card, such as the Chase Sapphire Preferred^® Card, to turn your cash-back into Chase Ultimate Rewards.

Final Thoughts

If you’re an avid Gap shopper or enjoy shopping across the Gap Inc. family of brands, you could get the Gap Good Rewards card. However, it may be more lucrative to shop at Gap with a cash-back card that offers flexible rewards redeemable at Gap or anywhere else. If you get the Gap Good Rewards card, make sure to pay your bill on time each month to avoid high interest charges.