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GAP Credit Card

gap credit card
Required Credit Score:
Excellent, Good
2.5 200 reviews   Write a Review!
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GAP Credit Card’s Rewards

Bonus
15%
Base Earn
1 point / $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.
  • Enjoy Benefits: Deals every Tuesday 10% off at Gap, Old Navy and Piperlime, 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.

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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2.5
Overall Rating: 2.5 / 5
Total Ratings: 200
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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
Sep 19, 2013
Photo of Sheryl P.
5
By:
Sep 19, 2013
The Gap Credit Card is one of the better store cards out there believe it or not. Typically you see these cards top out at 5% back by using their card such as with Target RED or Lowes. The Gap has the same deal, but they offer additional bonuses such as 15% off your first purchase, 10% off every Tuesday, and birthday rewards. It's not a card that you want to use for other purchases, but they do give you 1% back which is pretty standard. Like most store cards, ideal if you shop their a lot but don't use it elsewhere unless you have to. The additional coupons and more
Sep 10, 2013
Photo of Calvin H.
3
By:
Sep 10, 2013
Just like any other store card, the Gap Credit Card is really only for people that frequent the store a lot. The rewards program seems pretty sweet: 5 points on the dollar at any of Gap's stores, where every point equals 1 cent for credit. The initial bonus is not that great: 15% is nothing compared to the deep discounts that Gap offers almost daily. They offer 25% off just for signing up to be on their mailing list. This card also allows shoppers to sometimes get a couple extra percentage off during certain sales, which is always nice. There isn't anything that special about this card, but it's good more
Sep 5, 2013
Photo of Daniel L.
2
By:
Sep 5, 2013
At a glance, the GAP Credit Card may seem ideal to someone who shops there frequently but there really isn’t much benefit from this card. First off, there the initial bonus offered is no different than a coupon you would receive in the mail or email. The APR is laughable with a rate usually reserved for people with bad credit. GAP does offer rewards for shopping at other stores too and discounts for shopping on certain days. Overall, I can’t justify using this card over a general credit card. There are better options out there and this is not one of them.
Aug 29, 2013
Photo of Pat E.
4
By:
Aug 29, 2013
The GAP Credit Card is another one of those store rewards cards that caters to people who frequent the store a lot. I'm not sure why the score for this one is so low, because the rewards actually seem decent, from a glance. 10% off on Tuesdays at 3 different stores, extra points at the stores themselves, and gift cards paid out for the rewards at intervals. Yes, the APR isn't good, and it doesn't really feature any other perks as far as credit cards go. But you should only be using it at these stores, and the rewards seem decent. But of course, check the fine print, because you more
Aug 20, 2013
Photo of Michelle F.
4
By:
Aug 20, 2013
While I'm not a huge fan of cards that limit you in their rewards to one store or provider (airline, hotel chain, whatever), I have to admit that they do often have better rewards for that one store than I get on my more generic, cash-back-on-everything cards.

One of the really nice things about this card is that you get 5 points back not just at Gap, but at all of their properties. This makes it much more worthwhile, in my opinion. However, if you're not the type to pay off your credit cards every month, watch out! The 23.99% interest rate on this is crazy high, and it doesn't look more
Jun 20, 2013
Photo of Jennifer L.
3
By:
Jun 20, 2013
My favorite part about the Gap card is that is acts as a Visa card as well and is therefore accepted wherever Visa is accepted. I very rarely use this at Gap stores, however, I am still gain reward points when I use the card anywhere Visa is accepted. Gap also sends special reward promotions and birthday specials in the mail. I am easily able to manage my account online and they have also automatically increased my credit line in the past avoiding the credit inquiries that usually come with requested increases. There are no annual or hidden fees and payments are processed the day they are made regardless of more
Jun 16, 2013
Photo of Bonnie B.
1
By:
Jun 16, 2013
I had to call the company to find out what my interest rate is as it is nowhere to be found on my account site. I was shocked to find that I am paying nearly 24% interest. I have a good credit score and pay my bills on time. I was refused a lower interest rate. Gap Visa also refuses to allow me to transfer the balance to a low interest card, they will only accept payment directly from a bank account or debit card. As soon as the balance on this card is paid I will close the account. This is criminal.
Jun 7, 2013
Photo of April M.
5
By:
Jun 7, 2013
I have had the Gap store credit card for about 2 years now. It was very easy to apply for and I was approved right away. With the card comes some nice offers and promotions, including many extra discounts (even on sale items). I would also recommend signing up for their email list. It provides you with even more information about upcoming sales and promotions. Overall this card has helped me save a lot of money. I would highly recommend this credit card to just about anybody. It will surely save you money and provide you with many opportunities to cash in.
Apr 12, 2013
Photo of Christine S.
1
By:
Apr 12, 2013
The rewards are very nice, but I will not be using this card anymore since they refuse to allow Mint.com to sync. Unfortunately I realized this several months in so my entire 2012 accounting is now messed up (unless I hand-enter all my Gap card transactions as cash).
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Last updated on: Nov 12th, 2014 at 11:09 EST