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GAP Credit Card

gap credit card
Required Credit Score:
Good
2.5 222 reviews   Write a Review
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GAP Credit Card’s Rewards

Bonus
15%
Base Earn
1 points / $1
Max Earn
5 points / $1
Earn / Redeem Limit
No
  • Get 15% off upon approval of your Gap Credit Card.
  • Earn 5 points per $1 spent at Gap, Banana Republic, Old Navy, Piperlime and Athleta.
  • Earn 1 point per $1 spent everywhere else Visa credit cards are accepted.
  • Get $10 Reward Card for every 1,000 points earned.
  • Earn up to 2,000 bonus reward points when you sign up for email and voice message updates.
  • Enjoy Benefits: Deals every Tuesday 10% off at Gap, Special birthday savings, Advance notice of new trends and sale events, Exclusive offers and promotions.
  • Earn 500 bonus reward points if you sign up for paperless statements.
  • Upgrade automatically to Silver when you spend $800 on your Gap Credit Card in a calendar year at Gap, Banana Republic, Old Navy, and Athleta.

GAP Credit Card’s Key APRs & Fees

Intro Rate on Purchases
Not Offered
Intro Rate on Transfers
Balance Transfers Not Allowed
Regular Rate
23.99% (V)
  • ANNUAL FEE None

GAP Credit Card’s Additional Info

  • MAX LATE FEE   $35
  • MAX OVERLIMIT
    FEE  
    None
  • MAX PENALTY APR   None
  • GRACE PERIOD   23 days
  • ONLINE RESPONSE   No
  • CASH ADVANCE
    RATE
    25.99% (V)
  • CASH ADVANCE
    FEE
    4% (min $10)
  • FOREIGN
    TRANSACTION FEE  
    3%
  • SMART CHIP   No
  • Access your account online 24/7.
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GAP Credit Card Reviews

 
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2.6
Overall Rating: 2.6 / 5
Total Ratings: 222
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Jun 23, 2015
Photo of Michelle G.
1
By:
Jun 23, 2015
I've been a card member since 2001 and was a GAP employee for about 5 years, so being as loyal to GAP as I am, I'm appalled on how the customer service has been to get a payment situation handled. I made a payment through my bank that was sent through my old account number (received a new card w/a new number after the fact) and called to get my funds transferred over to the new account. It's been a month and after SEVERAL OUTSOURCED phone calls, the situation has not been resolved and my money is no where in sight. Now the past due amount is on my credit more
May 19, 2015
Photo of Rebekah W.
4
By:
May 19, 2015
This card is a pretty decent stand alone card for somebody who frequently shops at GAP or Old Navy. I've found that the rewards system of this card doesn’t quite compare with other stores’ rewards cards (such as Amazon), offering less for having to spend more money. However, if you are a big fan of the GAP or Old Navy or an affiliate, it is not a bad deal.
May 1, 2015
Photo of Shawnette C.
4
By:
May 1, 2015
I love the GAP credit card. You can use this card at many different locations, including Old Navy and Banana Republic! I really enjoy the 15% off you get towards your first purchase when you sign up for the card. I also enjoy earing points towards their rewards system. The APR is a little high, but if you pay your bill on time, there is no problem!
Apr 16, 2015
Photo of Pat H.
5
By:
Apr 16, 2015
Gap credit card is the best! You can use this card at a number of locations, but my favorite is Gap, Old Navy and Gap Factory. While you get points for every dollar you spend, there are lots of times you get updates when points are doubled and then they send you an email that tells you your rewards. It is easy to use and easy to pay your bills online. Once you sign up you get a 15% off your order and then you can add up those points quickly by signing up for emails and paperless billing. The emails enable you to special sales and deep discounts. I more
Apr 16, 2015
Photo of Patty G.
4
By:
Apr 16, 2015
The GAP Credit Card is great! I love the 500 bonus points for paperless statements as well as the member exclusive benefits and the 2000 bonus points for email sign up. In comparison to my TJ Maxx credit card, the GAP credit card offers a better initial sign up bonus which is great. The only disadvantage I see to this credit card is the high interest rate.
Mar 30, 2015
Photo of Dexter G.
3
By:
Mar 30, 2015
I've had this card for some time now and what I enjoy the most is that aside from the initial 15% off you get when you sign up, they send you coupons with every statement. This might prove to be too much fuel for a shopaholic but it's a very pleasant bonus. What I dislike though is that compared to our store cards they don't offer a discounted or 0% APR for certain purchase amounts. This honestly has been a deal breaker for most store cards I get.
Feb 26, 2015
Photo of Nicole W.
4
By:
Feb 26, 2015
I was just approved for my card, and the one thing that I love about this card that you don't see to often is that you can use it at other "sister" stores. I can shop at GAP for myself, head over to Banana Republic for my daughter, and then to Old Navy for my husband and son, and use the same card for each store! The interest is a little high for a store card, however you are immediately given 15% of your purchase when you are approved. On top of that there are other card benefits like you earn points on your purchases and you are notified of more
Feb 6, 2015
Photo of Jennifer C.
3
By:
Feb 6, 2015
I actually like this card in terms of the amount of rewards you can receive -- as long as I am shopping in those stores at the time. I have not been earning as many rewards as the GAP has not had stellar kids' clothes in the last year. Therefore, I did not make Silver this year, which I think is kind of weak to just cut off it a person doesn't make it in a year. One of the main reasons why I HAVE this card is to get the free shipping. However, in years past, I have easily earned a lot of rewards and used them across the more
Jan 6, 2015
Photo of John F.
2
By:
Jan 6, 2015
I think this is a pretty weak rewards card. I think it would be alright if you shop at the Gap, Old Navy, Piperlime or Athleta ALOT. If you do not then I don't see much benefit. I think a non-store based rewards card is much smarter. My PNC points card earns about the same and they give bonuses for maintaining a checking account. The best thing is I can spend money anywhere and qualify for the bonuses. I don't like being limited in the way a card like the GAP card does. Finally let's note the huge APR! My PNC points card APR is much lower than that.
Nov 12, 2014
Photo of Regan W.
4
By:
Nov 12, 2014
It is a great deal that Gap is offering 15% off a purchase when you get approved for this card! You can earn points by spending at two additional stores other than Gap. With my old credit card through American Eagle Outfitters you could only earn points from that store. This Gap card is so much better than my AEO card, they even offer a 23 day grace period and put a $35 cap on late fee. To top off all of this, card holders have the benefit of a weekly 10% discount!
Oct 16, 2014
Photo of Brian I.
3
By:
Oct 16, 2014
This is your typical store branded credit card, but you could also use anywhere else where Visa is accepted. I like the benefits that this card gives to its users such as 10% off on tuesday at Gap, Old Navy and Piperlime (It would definitely encourage you to use the card to save a bit more on your purchases), and those purchases also comes with a fair rewards point system, but nothing that I haven't already seen in other store cards. My TJ Maxx card has the same point system. Cash advance rates and cash advance fees seem rather high, but all can be avoided if you don't take money more
Sep 15, 2014
Photo of Alexa K.
3
By:
Sep 15, 2014
This VISA-branded GAP Credit Card is basically a store card that can also be used just like a regular credit card. That fact may explain a GAP Credit Card requires a credit score range of Excellent or Good, which is more demanding than the average store card.
The unlimited overlimit fees and high interest are more in line with a regular store card, and may come as a shock for customers used to lower fees concomitant with better credit scores than the regular store card bearer, who have a lower credit score range, for which this card may be out of reach.
Compared with my regular Discover credit card, who also more
Sep 2, 2014
Photo of Sterling D.
3
By:
Sep 2, 2014
I feel like this card offers some unique savings that are also great business promotions, like the 10% off Tuesdays at the select stores. A no interest on purchases of a certain limit, like the Home Depot credit card of $300, would make me interested in using this card. That would skew the interest being somewhat high on this card.
Aug 8, 2014
Photo of Mary T.
5
By:
Aug 8, 2014
This Gap card offers many different incentives for signing up, and would be a great card for the consumer who shops at Gap often. This interest rate is comparable to other store cards, such as Old navy and JC Penny.
Jul 26, 2014
Photo of Michelle C.
2
By:
Jul 26, 2014
the gap credit card looks like a good card .in my option i dont think it is.i wouldnt use this kind card.there is so many better ones to choose from.visa and master cards are pretty good
Jul 5, 2014
Photo of Amy K.
4
By:
Jul 5, 2014
The GAP credit card offers a variety of incentives, all which are applicable at many of my favorite stores. This is better than the KOHL’s credit card, which can only be used at a Kohl’s store. However, the interest rate on the GAP card is rather high compared to the lower rate offered by Kohl’s.
Jun 6, 2014
Photo of Alan B.
4
By:
Jun 6, 2014
As a holder of a few store credit cards, I would have to say that the APR rate on the GAP Credit Card is about average. It is a perfect card to have if you pay off your bill in full each month. The reward points are great. They will send you a gift card code via email once you hit a certain amount of points. The great thing about this card is you can use it through several different stores.
May 27, 2014
Photo of Emily S.
2
By:
May 27, 2014
Compared to my student Discover Card, the APR on the Gap Credit Card seems very high, as does the Cash Advance Rate. And since I don't do a lot of clothing shopping, this doesn't seem like a program whose rewards would be terribly useful to me. It might be good for someone who does a lot of shopping at Gap, Banana Republic, or Old Navy though, but I like the broader rewards offered by Discover, personally. I like that there is a benefit for using paperless statements but ultimately wouldn't get a lot of use out of this card.
May 9, 2014
Photo of Nate B.
2
By:
May 9, 2014
Compared to my visa card from macys the cash advance rate and the regular rate seem pretty darn high. the rewards program seems like it would be pretty good. and 10% off every tuesday it nice as well.
Apr 17, 2014
Photo of Andy G.
2
By:
Apr 17, 2014
I've actually used this card in the past and I can say that I never really enjoyed the rewards. Points only applied on clothing purchases in Gap stores and that got old fast. I soon switched to other cards with more comprehensive offerings.
Mar 28, 2014
Photo of Julie M.
4
By:
Mar 28, 2014
It seems like a pretty good value, as long as you pay your balance off every month. I shop at all of the stores frequently, so it would pay off for me in the long term.
Mar 26, 2014
Photo of Wye O.
4
By:
Mar 26, 2014
The APR isn't the best, but so long as you can remember to pay it off every month, eventually you can earn yourself a free pair of jeans or two. You can redeem rewards at any of the Gap family of stores (including Old Navy and Banana Republic) which is really nice. The online interface for scheduling payments is super easy to use.
Mar 17, 2014
Photo of Doug D.
3
By:
Mar 17, 2014
This card looks great for the frequent GAP shopper that can pay off most or all of the balance at once. It offers great rewards but you pay for that with a high interest rate.
Feb 24, 2014
Photo of Anthony A.
4
By:
Feb 24, 2014
This card offers decent discounts at the initial opening and through various days. The card is great for someone who needs decent clothes and wants a little extra discount. The APR is a little high, but consistent with other store cards.
Feb 24, 2014
Photo of Tonya D.
2
By:
Feb 24, 2014
If you love shopping at the Gap Store then this card is for you. You will receive a simple 10% discount on a certain day each week. However, if you are a wife and mother of two children, you need to be able to use the credit card in more than a few places. I can not buy groceries at the Gap or Old Navy. This does not help me. I need a credit card with which I can enjoy all the rewards that are being offered. I would consider looking for a better credit card like the Capital One Quick Silver Card. I can buy tons of stuff with more
Jan 31, 2014
Photo of Steve T.
3
By:
Jan 31, 2014
This Gap Card helps me build my credit a great deal. I shop at Gap stores often, and I have used it many times. It does come with less than generous benefits, such as the rewards plan which is conservative in my opinion. I do enjoy the cash advance, though the rate is a bit steep to my liking. There isn't a max over limit fee which is great, but the expensive late fee of thirty five dollars does hurt my wallet when I am not able to make timely payments.
Dec 17, 2013
Photo of Tina M.
2
By:
Dec 17, 2013
The Gap Card is a card that is very similar to other store cards (like Abercrombie & Fitch). It has a high rate. I like the fact that you get 15% OFF with your initial purchase. If I were going to go on a shopping spree at GAP I would definitely consider getting a card through them for this alone. I don't like the reward program that much though. You only get 1 point per 1 dollar spent. Then, it takes 1,000 points to get a $10 reward card. You have to spend $1,000 to earn $10! That isn't much of a reward program in my opinion . I do more
Dec 13, 2013
Photo of Ramy E.
3
By:
Dec 13, 2013
GAP credit card is an average store card. It does not have something special in terms of the payment policy when compared to other store cards. However, GAP card is a good option for frequent GAP customers, as it provides a lot of discounts all over the year. However, it does not provide cash-back, instead it gives more points that could be redeemed in a future purchase. One good advantage of the card is that it is usable in other stores and not just GAP, such as Old Navy and Banana Republic. This gives the card an advantage over many other store cards, where they are only usable at one more
Dec 6, 2013
Photo of Chelsea M.
4
By:
Dec 6, 2013
The GAP Credit Card is such a great and wonderful card. I really enjoy using it. I buy so many things for both of my daughters on a weekly basis. They are never disappointed with what i select for them from GAP. In comparison to Old Navy, they have a pretty good APR; plus i always shop at the GAP, so it's really convenient for me. Their generous grace period allows me to maintain my good credit. I would recommend this card to friends, family, or anyone looking for a good store credit card.
Dec 4, 2013
Photo of Braden B.
1
By:
Dec 4, 2013
Like other reviewers have said, this card is only really useful if you do a majority of your shopping at the GAP, or any of their associated chains. With a high interest rate, the GAP Credit Card has many other alternatives that are much better. The plus to the alternatives, such as the Capital One Platinum card, is that you can use it anywhere. I personally do not shop at the GAP, so this card would be no use to me. Even compared to other store cards, such as the Target Store Card, the interest rate for the GAP credit card, is almost 2% higher than the Target card. Look more
Nov 26, 2013
Photo of James M.
2
By:
Nov 26, 2013
This Gap Card is definitely a good idea for someone who spends the majority of their time shopping at the GAP chain of stores, but compared to other cards such as the Capital One Venture Rewards card, you really receive no tangible benefit from using this card anywhere outside of the Gap chain. Also the startup APR for Chase Venture card is much lower than the Gap card. This alone would prompt me to choose a different card to make purchases with. The one thing I do like about the Gap card though is the low overdraw limit and the grace period of 23 days in case you are short more
Nov 22, 2013
Photo of Allen M.
3
By:
Nov 22, 2013
This card is made only for people who shop at the gap store. All of its benefits can only be enjoyed there so if you plan on using this for anything other than Gap purchases I would seriously consider looking for a better card, like the Capital One Quick Silver Card that gives you cash back rewards. This will give you rewards in $10 gift cards to the gap so you’re limited in where you get to spend it. Also the Quick Silver card gives you a lower APR and a better initial bonus than the 15% percent off that the Gap Credit Card gives when you sign up. Basically more
Nov 19, 2013
Photo of Anthony A.
5
By:
Nov 19, 2013
The gap credit card is very useful for people that shop at the store often, like my wife and I do. The 15% off is fantastic by itself, especially with the sales that are always going on. With a family of four, it’s nice to be able to choose a single store that has the types of styles that we all like to wear. Shopping here as often as I do, getting the extra point for every dollar spent will quickly add up for even more benefits! You can also get a $10 reward card for every 1000 points earned, which will also come in handy for end of the more
Nov 11, 2013
Photo of Ric R.
3
By:
Nov 11, 2013
The GAP Credit Card is useful if you are a consistent shopper of Gap owned stores (Gap, Banana Republic, etc) because of the points you earn per purchase towards those stores. It is a certified Visa card so it can be used at a multitude of different stores. I’ve used a similar card in the past, Banana Republic Credit Card, and those reward points saved me a lot of money, especially during my Christmas shopping. The overall rates are standard among cards like this, but do pay attention to the high cash advance fee at 4%. Also, be cautious of the $35 late fee. If you can’t pay the card more
Oct 18, 2013
Photo of Corey S.
3
By:
Oct 18, 2013
The GAP credit card isn't terrible, but it definitely isn't the best. The rewards for doing clothing shopping are nice, but only if you plan on buying quite a bit of clothing. The APR at 23.99% leaves a little something to be desired. The biggest benefit of this card, in my opinion, is the initial 15% off you get on your first purchase. That was the only time I used my GAP card. I will consider using it in the future the next time I need to make a major clothing purchase.
Oct 15, 2013
Photo of Tim B.
4
By:
Oct 15, 2013
If you do a lot of your clothes shopping at the Gap then their credit card will save you a good deal of money over time due to the accumulation of points. They also have special promotions and discounts throughout the year for card holders and that's not even mentioning the initial 15% off when you get the card. If you do seasonal shopping then that 15% could save you a lot on a new fall wardrobe. You do want to be careful to pay off your purchases monthly though as the interest rate is pretty high for this type of store card but still on par with other store more
Oct 8, 2013
Photo of Jonathan D.
4
By:
Oct 8, 2013
The GAP credit card is about average for a store card. The interest rate is higher than a normal card but it's on par with my khols card. The bonus points are a nice feature and the extra 10 percent off is also great if your an avid Gap or Old Navy shopper like me. Unlike other store credit cards though this one can be used at multiple stores, The Banana Republic, Gap and Old Navy are my three favorite stores. It also gives you points for using it anywhere else which is something most store cards don't do. This is a decent store card and if you can remember more
Oct 4, 2013
Photo of Jeremy A.
3
By:
Oct 4, 2013
This looks like any other retail credit card - lackluster gift card rewards, discount only on the first visit, and high interest rate. I'd rather use a regular bank credit card for better rewards. Good I guess if you love GAP.
Sep 26, 2013
Photo of Ben M.
4
By:
Sep 26, 2013
I really like the Gap Credit Card because of the amount you get back in store. I guess you can only really take advantage of it if you shop there a lot like me, but they give you back 5% at at Gap, Banana Republic, Old Navy, Piperlime and Athleta. On top of that there is a 15% off sign up bonus, opportunities to get more bonus points, and special promotions that only card holders get for in store sales. It's worth it for shopping at the Gap and their other stores, but the standard 1% back everywhere else means it's not going to be used for every day purchases.
Sep 23, 2013
Photo of Constantina H.
2
By:
Sep 23, 2013
Gap Store card is just another rewards card, but I have had this since a teenager. Though I don’t use it much cause I do not shop from GAP anymore. I did rack up some big charges when I was younger, the good old days of a teenager. This cards has a decent rewards program but the customer service is not so good. One benefit of this card is that you can also use it in Old Navy stores which I found is a more mature brand that GAP. Banana Republic is there too, but I don’t frequent their stores at all. Overall this is a good card but the more
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Jan 18, 2015
Photo of Htar S.
By:
Jan 18, 2015
Is that true if I purchase out of Gap brand with Gap visa card within 30days I received the card, I will get $30 bonus? If so, after I purchase, I need to contact customer service to get that rewards or it will add straight to that account?
Jan 30, 2015
Photo of Card H.
Jan 30, 2015
It seems that there’s no relevant information on the company’s website. However, you can get in touch with customer service at 866-450-4467.
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Last updated on: Jun 23rd, 2015 at 12:11 EDT