Gap Visa Credit Card Review

A Visa Card for Gap Lovers

Woman shopping with a credit card
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Regular Gap shoppers have probably been pitched the Gap Visa card at the checkout counter, along with an offer to save 20% on your initial purchase.

The Gap Visa credit card is a co-branded credit card issued by Synchrony Bank (formerly GE Capital) that lets you earn special rewards at Gap and its partner stores. Since it's a Visa credit card, you can use the card at Gap and all other stores that accept Visa. If you're considering applying for the Gap Visa, here's what you need to know.

Gap Visa Details

Sign-up Bonus 20% off and free shipping on your first Gap purchase
Rewards Rate 5% on Gap purchases, 1% on all others
Ongoing APR 28.24%
Late Payment Fee Up to $39
Foreign Transaction Fee 3% of each transaction
This card has no annual fee, intro APR, balance transfer, or recommended credit score

Pros & Cons of Gap Visa

What We Like

  • Generous rewards on Gap purchases

  • 20% off first Gap purchase

  • Can be used anywhere Visa is accepted

What We Don't Like

  • Does not have great non-Gap benefits

  • High APR

  • Rewards only redeemable at Gap

Gap Visa Sign-up Bonus

New card members get 20% off their first Gap purchase, plus free shipping. They can also earn up to 1,000 points by signing up for certain mailing lists and paperless billing.

Earning Points & Rewards

With the Gap Visa credit card you earn five points for every dollar you spend at Gap and its partner stores (Old Navy, Banana Republic, Athleta, Hill City) and one point per dollar on all other purchases.

Cardholders get periodic offers to earn extra points, 10% discounts, special savings on birthdays, access to special events with exclusive discounts.

Once you earn 5,000 bonus points in a calendar year, your account can be upgraded to Silver status. You'd have to spend $1,000 on (non-bonus) Gap purchases to reach Silver status. Benefits of Silver status include free online shipping on all purchases, 20% quarterly reward bonus, 15% discount on a day that you choose, triple points on select days, and free basic alterations on Banana Republic purchases. You’ll have to continue earning 5,000 each calendar year on your card to maintain Silver status.

For some people, that's a lot of credit card shopping, unless the Gap Visa happens to be your main credit card.

Redeeming Rewards

Once you accumulate 500 points, you earn a $5 reward. Even though this is a Visa, you can only redeem your rewards at Gap, but you can combine multiple rewards or combine with most other sales and coupons for a deeper discount.

Once you earn 5,000 bonus points in a calendar year, your account can be upgraded to Silver status. Benefits include free online shipping on all purchases, 20% quarterly reward bonus, 15% discount on a day that you choose, triple points on select days, and free basic alterations on Banana Republic purchases.

Gap Visa's Other Features

  • Free online shipping.
  • Free 3-5 day shipping (Silver).
  • Free basic Banana Republic alteration (Silver).
  • Birthday gift.

Gap Visa's Additional Fees

Cash Advance APR 29.24%
Cash Advance Fee Either $10 or 4% of the amount
This card has no penalty APR, returned payment fee, or overlimit fee

Is This Card Right For You?

Even if you really love Gap clothing, this card isn’t that great of a deal, like most store credit cards. While there's no annual fee, the 28.24% APR is much higher than average. In addition, the rewards can only be redeemed at Gap.

If you qualify, the Discover it would be a better deal since you can earn up to 10% cashback on Gap, Old Navy, and Banana Republic purchases when you make the purchase through ShopDiscover.

Next Steps

Go to the Gap credit card website to apply.

Credit card terms and sign-up bonuses are subject to change from the time of this review. Visit the credit card issuer's website for the most recent terms and conditions.