GAP Store Card Reviews: Is It Worth It? (2024)Reviews, rates, fees, and rewards details for The GAP Store Card. Compare to other cards and apply online in secondsJohn KiernanWalletHubNo membership feesHigh rewards rate20% discount initial rewards bonusQualify with fair creditHigh regular APR
This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Earn Rewards (Store Cards)." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs.
GAP Store Card has a rating of 3.6/5 according to our proprietary credit card rating system. This rating reflects how appealing GAP Store Card's terms are compared to a pool of more than 1,500 credit card offers tracked by WalletHub. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is 'Earn Rewards (Store Cards)'. To break it down further, GAP Store Card earned a score of 5.0/5 for Fees, 3.5/5 for Rewards, 3.6/5 for Cost, and 3.8/5 for User Reviews. Info about the GAP Store Card has been collected by WalletHub to help consumers better compare cards. The financial institution did not provide the details.
WalletHub Rating Breakdown
User Reviews
3.8/5
271 reviewsRead and write reviews
Market Comparison
Market Comparison
3.6
The Market Comparison is a key component of the WalletHub Rating, as it measures how appealing the terms of a card are compared to a pool of over 1,500 credit card offers monitored by WalletHub. To ensure cards are evaluated for their most relevant purpose, we score each card across various cardholder needs and select the rating for the need with the highest score, which is “Earn Rewards (Store Cards)” for this card.
Fees
5.0
Rewards
3.5
Cost
3.6
Other Features
0.0
3.6/5
Compared against 1,500+ credit cards
KEY TERMS
Accepted Credit Scores
Accepted Credit Scores
Excellent Credit, Good Credit, Fair Credit
Annual Fee
$0
APR on Purchases
29.99% (V)
Balance Transfer
Balance Transfers Not Allowed
Rewards
Receive 20% Off your first purchase with your card within 14 days of account opening.
Earn 5 Points for every $1 spent at Gap, Banana Republic, Old Navy, and Athleta.
100 Points = $1 Reward redeemable across the family of brands, no merchandise restrictions.
Free Fast Shipping on all online orders $50 or more.
Unlock up to 2,000 bonus points annually when you shop at 2 or more of the Gap Inc. brands. 2 brands = 500 pts // 3 brands = 1,000 pts // 4 brands = 2,000 pts.
Cardmembers get 250 bonus points each quarter that you make a qualifying purchase at Gap, Banana Republic, Old Navy, or Athleta. Icon Membership tier (with 5,000 points accumulated) will earn 500 bonus points. Terms apply.
This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Earn Rewards (Store Cards)." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs.
User Reviews
3.8
Market Comparison
3.6
fees: 5.0
rewards: 3.5
cost: 3.6
Other Features: 0.0
4.3WalletHub Rating
WalletHub Rating
4.3
This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Improve Credit by Paying in Full Each Month." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs.
Editor’s Rating
4.5
User Reviews
3.3
Market Comparison
4.3
fees: 5.0
rewards: 0.0
cost: 5.0
Other Features: 4.5
3.6WalletHub Rating
WalletHub Rating
3.6
This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Improve Credit by Paying in Full Each Month." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs.
Can't find what you are looking for? Submit your question about GAP Store Card to our community. Editorial and user-generated content is not provided, reviewed or endorsed by the issuer of this card. In addition, WalletHub independently collected information for some of the cards on this page.
You should be able to purchase a gift card with your GAP store card at the register or online, simply by entering your account information as if it were any other credit card.
If you encounter any problems, please call the customer service number on the back of your card.
The GAP Store Card standard spending-based rewards are typically credited after each respective purchase is processed and posts to your account. Your first-purchase discount will be applied at checkout.
Annual bonuses should be distributed within a month or two of you qualifying for them.
You can only use you Gap Store Card at Gap, Old Navy, Banana Republic, Piperlime and Athleta.
Bear in mind, however, that purchases made at these other stores are not eligible for the card's 15% first-purchase discount or the 10%-off Tuesdays promotion.
Once you become eligible for Gap Silver Status, the benefits should be automatically applied to any purchase you make from then on. If that's not happening, we recommend contacting Synchrony Bank's customer service department at 1-800-887-1198.
Share your insights and review for the GAP Store Card
5
23%
4
59%
3
7%
2
4%
1
7%
3.8
271 reviews
271 reviews
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Stacy Lopez @stacyl12
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1 Star Rating
If I could give this zero stars, I would. It seems every time I went to pay they magically lost all my sign in information online. So, whenever I had a balance and wanted to pay it off, it would be no less than an hour to log on. Now I'm in dispute because I found out that a balance that was paid thirteen months ago, Gap forgot to mark it as paid. I seriously think there's something shady going on with this company.
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2
1
Chelsea Hickok @chelseah6
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1 Star Rating
The customer service on this card is incredibly shitty. I've called so many times trying to talk to an actual person. The automated system is horrible. It takes a week to get statements older than three months. I plan on paying this off as quickly as possible and closing my account.
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6
0
Tom Smith @tomsmith_tam
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4 Star Rating
I had the Gap credit card in the past, and I was overall pretty pleased with it. It requires decent credit to open, but you do get 15% off your shopping purchase. If you like to shop at Banana Republic, Piperlime, Athleta and Old Navy, you also earn points per dollar you spend there too. There are $10 rewards gift cards for every 1,000 points you earn. There are special savings for your birthday as well. The interest rate is fairly high so I would recommend using this card with caution and paying it off in full monthly.
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5
0
Arie Fay @arief2
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5 Star Rating
As a loyal Gap shopper, I got the Gap Credit Card because the 5 points per dollar spent at Gap and her sister stores was very attractive. During promotions, Gap cardholders often enjoy bigger discounts compared to non-cardholders. I spent over $1,000 in my first year as a cardholder which got me upgraded to Silver status. Holding Silver status, not only do I enjoy free shipping at gap.com that is not subject to a minimum purchase, I also get free shipping from all Gap brick and mortar stores nationwide. The aforementioned benefit makes hunting for a particular item stress free.
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3
1
Amanda McDaniel @amandam_38
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5 Star Rating
I have had a GAP card for many years. The best thing about this card is the rewards. If you know you're going to be purchasing an item with this card and can be responsible with paying it off every month, it is a no brainer. The rewards are easy to accumulate and can help with future purchases. There are also special deals for card holders on certain days. Right now it is 10% off on Tuesdays.
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6
0
Brianna Gillett @briannag1
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4 Star Rating
This card has been pretty useful overall. I applied for it a few years ago when I needed to do some back to school shopping for college. I was happy when they gave me a $1000 line of credit with very little hassle, and a low interest rate as well. I have been using the card for purchases at GAP and affiliated stores ever since with no trouble. I pay off the balance every single month, which is probably why I've had no problems. I have heard of some people who get their interest rates jacked up because they've missed a payment, but I kind of think that's to be expected. Another cool thing about the GAP card is the discounts that you can earn when you spend a certain amount of money. I get coupons in the mail all the time, and they can add up to pretty significant savings. I recommend this card to anyone who intends to pay the balance off in full every month and wants to get free rewards.
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6
4
Selena Makrides @selenam_1
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2 Star Rating
I got this card because, living in a smaller town for college, Gap was one of the only stoppable stores in town and the 15% discount was pretty appealing. I fully expected to be denied but they offered me an $800 line of credit right off the bat which seemed to be incredibly irresponsible and unnecessary for a moderately priced store. This card comes with a few perks if used responsibly, for example monetary rewards after certain spending amounts which can be used at any stores within the Gap conglomerate. Unfortunately, I didn't use it responsibly and reaped the punishment. The interest rate is astoundingly high and after missing a couple months of payment (each carrying a $35 fine) I was in the hole pretty deep. They sent me to collections almost immediately it seemed, with no effort to contact me aside from the usual paper bill. I only see this card as being worth it for people who shop won't exclusively at Gap and its sister stores and who have the rigor to pay off such a fickle card regularly and responsibly. Don't leave a balance on the card!
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4
8
Laura Jacobs @Laura.L.Jacobs
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3 Star Rating
I've used the Gap card for so many years I've lost count. If you're someone who carries a balance, the interest rate is simply awful. If, however, you pay off your balance on a monthly basis, you'll be accumulating bonus points that you can use to buy clothes at any of the stores under their umbrella. I definitely have taken advantage of their card member only offers too many times, thus raising my membership to the Silver level, which gives you even more benefits than their regular card. All in all, it's not a bad card, if you use it properly. If you don't you can get into trouble with that high interest rate. I've been there, and don't recommend it!
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3
0
Red M Raider @redm.raider
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5 Star Rating
I've had my Gap card for a few years now and it's the only credit card that I own. I primarily shop at Gap brands, especially Athleta. I love that the more I shop the more rewards I can earn which are SUPER easy to use, either in store or online. I can also use the card outside of the store and earn rewards. Fill up my car and buy groceries, then get free Kate Spade earrings at Piperlime? Yes please!!! The APR is really high but I simply pay off my card every month so thankfully I don't have to worry about the interest rates. Oh one more thing, they usually have cardholder appreciation days where you can pre-shop the sales plus get substantial percentages off of your purchase.
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5
0
Ritu Choudhary @rituc1
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5 Star Rating
i have this GAP store card for a year now. i love this card as i love to shop GAP collection. i really enjoy the coupons and the discount which i get by using this card. this card is also valid on banana republic, old navy, Piperlime and Athleta. i remember i loved a sweater of GAP but i thought it was a bit expensive but one week later was my birthday so i got this sweater on special birthday offer which is like a treat. the down side of this card is it have a bit high APR compared to the other cards. they also send you promo codes on your email address so that you can save more. i highly recommend this card to friends and family.
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