Gap Visa Card Review

Disclosure: We are committed to recommending the best products for our readers. We may receive compensation when you click on links to products, but this never affects our reviews or recommendations.

The Gap Visa Card from Synchrony Bank offers a traditional first-purchase discount, but true brand fans will enjoy the ability to earn rewards points for every purchase, as well as an impressive discount on each Gap purchase. 

Gap Visa Card

overall rating
2.9
Gap Visa Card
Recommended Credit Score Our recommended ranges are based off of the FICO® Score 8 credit-scoring model. Credit score is one of the many factors lenders review in considering your application.
350 579
580 669
670 739
740 799
800 850
Fair - Excellent
Regular APR (%) 27.49% variable
Annual Fee $0
Rewards Earning Rate Earn 5 points for every $1 spent at Gap brands. Earn 1 point for every dollar spent on all other purchases.
Ratings Breakdown
for Interest
1.8
for Fees
4.1
for Rewards
4.2
for Credit
4.2

Open a new Gap Card online to receive a 20% off your first Gap or Gap Factory product purchase with your new card.

Top Rated For

Who is This Credit Card Best For?

  • Avatar for Deal Seeker Persona
    Diligently searches for the best products and delights in a good bargain
    Deal Seeker
  • Avatar for Family Shopper Persona
    Looks for good quality at a fair price while buying for the household
    Family Shopper
  • Avatar for Trendsetter Persona
    Loves being the first to try something new
    Trendsetter
  • Avatar for Brand Loyalist Persona
    Frequently shops with a particular merchant and wants to be rewarded for their loyalty
    Brand Loyalist

If you regularly shop at Gap, Old Navy, Banana Republic, and Athleta, this card will graciously reward your brand loyalty. But because it’s a Visa card, you can use it at more places than the less flexible GapCard, and it will help you earn a few more rewards. 

If you’ve got the ability to get other credit cards, this one shouldn’t be your primary rewards card. But either way, if you’re still building up your credit and diligent about paying off card balances each month, consider adding this store card to your wallet to save money on your future purchases at stores owned by Gap Inc.

Pros

  • Earn rewards on purchases at popular clothing chains

  • 10% off each Gap and Gap Factory purchase

  • Easy bonus points for extra tasks

  • Access to more discounts and shopping offers

Cons

  • High APR

  • Low rewards rate on non-Gap purchases

  • Restrictions on how you can redeem rewards

Pros Explained

  • Earn rewards on purchases at popular clothing chains: You’ll get a good amount of points each time you shop at Gap and any of the other stores owned by Gap Inc. (Old Navy, Banana Republic, and Athleta), which is a competitive offer for a clothing-store credit card. All those points can add up for discounts on future purchases. More about all that in the Earning Points & Rewards section below. 
  • 10% off each Gap and Gap Factory purchase: This is the best ongoing discount we know of offered by a store card right now, and a nice perk for those who already shop frequently at these stores. We like that the savings is automatic when you use your card, and you can combine it with rewards discounts, too. You can enjoy this benefit until April 30, 2020.
  • Easy bonus points for extra tasks: Do a few simple things, like registering for electronic statements, and you can get up to 4,000 extra points in your rewards account, which is equal to $40 off a future purchase. More about that is also in the Earning Points & Rewards section below. 
  • Access to more benefits and shopping offers: Cardholders may feel a little extra special because of perks like receipt-free returns, a birthday gift, and additional saving and earning opportunities. You just have to watch your email for news about upcoming offers.  

Cons Explained

  • High APR: Store cards are known for having high interest rates, and this card is no different. The high purchase APR makes it absolutely crucial you pay off your balance in full each month, so don’t shop till you drop. Just buy what you can afford.
  • Low rewards rate on non-Gap purchases: You only get 1 point per dollar you spend at places outside the Gap Inc. stores, like at gas stations or grocery stores. The option to earn points this way is nice considering it’s a store card, but that’s not a high earning rate compared to general cash-back cards. 
  • Restrictions on how you can redeem rewards: You'll have to wait until you've earned $5 worth of rewards to redeem points, and you can only use them for more purchases at Gap and its sister stores.

Earning Points & Rewards

You’ll get 5 points for every $1 spent in stores or online at Gap, Old Navy, Banana Republic, and Athleta. That’s basically like getting 5% of your money back to use for discounts on future purchases. Plus, since this is a Visa card, you can also use it outside the store network and you’ll get 1 point per $1 spent when the card is used that way. 

That’s in line with what similar apparel-branded credit cards offer right now, although store card value really comes down to whether or not you like the brand. 

You can also get up to 4,000 extra points just by doing the following: 

  • Signing up for paperless billing (500 points) 
  • Adding an email address to your rewards account (500 points) 
  • Making a purchase outside the Gap brand network within 30 days of opening your account (3,000 points).

Gap Silver Status

If you earn 5,000 reward points in a calendar year with this card, your account will be upgraded to Gap Silver status, which means more points and shopping perks. Each quarter you’re a Gap Silver status holder, a 20%-point bonus will be added to your rewards balance. That means if you have 1,000 points in your account at the end of the first quarter, you’ll get 200 extra points just for having Gap Silver status.

If you spend at least $1,000 each year between the Gap brands (or $5,000 with other merchants), you’ll easily reach Silver status. Just know that bonus points and any rewards earned on returned purchases won’t count toward the annual status requirement. 

Whether or not you have Silver status, there’s no limit to the number of reward points you can earn with the Gap Visa Card each year, and points only expire if you don’t make a purchase for 24 months.

Redeeming Rewards

There’s only one way to use reward points earned with the Gap Visa Card: to pay for more Gap purchases. For every 500 points you earn, you’ll get $5 in rewards to spend at Gap or its sister stores. 

Multiple rewards may be issued each billing cycle, but you’ll get no more than $250 in rewards in any given month. If you spend enough to hit that limit, you’ll have to wait for any lingering rewards until the next month. 

You can redeem rewards in stores by presenting your rewards certificate, or redeem online or on the phone by sharing the reward code. Gap Visa Card rewards cannot be redeemed for statement credits or cash back, or be used to purchase gift cards. 

How to Get the Most Out of This Card

Open this card when you have a large purchase (like before school starts for the kids, or before the winter holidays) so you can maximize the 20% savings you’ll get on your first purchase. 

Once you have your card, connect your account to your email address, set up paperless billing, and make any non-Gap brand purchase within 30 days to rack up those 4,000 bonus points right away. Going forward, use this card for all purchases made within the Gap family of brands, and pay off the card balance each month. Strive to reach Silver status each year, which will give you the most shopping benefits and bonus points.

We recommend pairing this card with another that offers more than 1% back on everyday expenses, too. Yes, this card offers some earning flexibility, but there are cash-back cards that offer a better return on routine purchases like gas and groceries. 

With this card or any rewards card, don’t fall into the temptation to spend more just to rack up rewards—especially if you can’t afford to pay off your balance in full each month. Any rewards you earn can quickly be wiped out by interest charges.

Gap Visa Card’s Other Features 

Right out the gate, you’ll get these benefits with the Gap Visa Card:

  • A birthday gift each year you make at least one in-store or online purchase
  • Receipt-free returns in stores

Once you reach Gap Silver status, you’ll also get: 

  • Free basic alterations for Banana Republic purchases
  • Free standard shipping for online purchases at the Gap Inc. family of stores
  • A coupon good for one Choose Your Own Sale Day each year you hold Gap Silver status
  • Invitations to special cardmember events
  • Access to a Gap Silver customer service hotline

Customer Experience

The Gap Visa Card is issued by Synchrony Bank, and that’s the bank you’ll work with if you have issues or questions about your account. Synchrony Bank fell behind all major credit card companies in J.D. Power’s 2019 U.S. Credit Card Satisfaction Study. Synchrony ranked 10th out of 11 banks, scoring 780 points on a 1,000-point scale. For comparison, the national average is 806.  

To monitor your Gap Visa Card transactions and make payments, you can use the Synchrony mobile app. You can also manage the rewards you earn in your online Gap account or the Gap mobile app.

Security Features 

This is a pretty basic card when it comes to security features. Like many other cards these days, the Gap Visa card is protected by EMV chip card technology, and Synchrony has a zero-liability policy that means you won’t be responsible for unauthorized charges. However, unlike some other credit card companies, Synchrony doesn’t offer the ability to lock your card if it’s misplaced or stolen. Nor does it offer access to your credit scores or credit report monitoring—features that are also becoming common among credit cards. 

Gap Visa Card Fees 

There are no unusual fees attached to this card, just standard ones for slip-ups like late payments and oddball transactions, like cash advances. You can use this Visa card abroad, but you’ll pay a 3% foreign transaction fee for that convenience. Overall, the most notable cost associated with the Gap Visa Card is the price you’ll pay for carrying a balance because the interest rate is high.

For Gap Visa Card
Compare This Card
See how this card stacks up to the competition
CURRENT CARD
Gap Visa Card
overall rating
2.9
Recommended Credit Score Our recommended ranges are based off of the FICO® Score 8 credit-scoring model. Credit score is one of the many factors lenders review in considering your application.
350 579
580 669
670 739
740 799
800 850
Fair - Excellent
Regular APR (%) 27.49% variable
Annual Fee $0
Rewards Earning Rate Earn 5 points for every $1 spent at Gap brands. Earn 1 point for every dollar spent on all other purchases.

Our Methodology

  • At The Balance, we are dedicated to giving you unbiased, comprehensive credit card reviews. To do this, we collect data on hundreds of cards and score more than 55 features that affect your finances.
  • Our Reviews Are Always Impartial: No one can influence which cards we review, the way we present them to you, or the ratings they receive. The scores and reviews come directly from the data we collect and our editorial expertise, and we focus on three areas:
  • How Much Does It Cost? With credit card debt at an all-time high, we believe you should know the cost of carrying a balance. Because of that, we give regular purchase APRs significant weight in overall scores, and cards receive low marks if they have an array of pricey fees.
  • What Are the Rewards Worth? Cards accumulate rewards in different currencies—points, miles, cash back—and their values vary widely. To simplify the problem, we built a system that fairly compares rewards and gives them a dollar value. We do this by looking at the ways you can earn and use rewards, which includes evaluating Americans’ typical spending habits and analyzing common travel patterns.
  • Does It Make Your Life Easier? Our scoring system favors cards that accept a wide range of credit profiles and offer simple solutions for things like checking your credit score or contacting customer service. Finally, we give preference to credit cards that have several tools for dealing with fraudulent charges.
  • For every review on The Balance, we hold the credit cards to these standards, and we set the bar high. While we recognize the appeal of splashy features like six-digit sign-up bonuses, our approach ensures that credit cards with the best combination of value, affordability, and accessibility receive the highest scores. See our full methodology for more details.