GAP Credit Card

GAP Credit Card
Issued by Synchrony Bank
Advertiser Disclosure
Annual Fee
0
Regular APR
24.99%
Open-loop card or Close-loop card
N/A

Additional Information

Balance Transfer Fee
N/A
Purchase Intro APR
Not Offered
Transfer Intro APR
Balance Transfers Not Allowed
Late Payment Fee
$38
Returned Payment Fee
N/A
Cash Advance Rate
28.49% (V)
Cash Advance Fee
4% (min $10)
Foreign Transaction Fee
3%
Smart Chip
Yes, chip-and-signature
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Sign-up Bonus

Save 20% on your first purchase and enjoy free shipping on your first purchase with the Gap Credit Card.

Rewards

Earn 5 points per $1 spent at Gap, Banana Republic, Old Navy and Athleta. Earn 1 point per $1 spent everywhere else Visa credit cards are accepted.
Get $5 Reward Card for every 500 points earned
Earn 500 points when you register your e-mail address and 500 bonus reward points if you sign up for paperless statements.
Access to special events with exclusive discounts, bonus point shopping days and a special birthday gift.
Earn 5,000 points in a calendar year and enjoy Gap Silver Status with benefits like 20% quarterly bonus Rewards points, free online shipping and more

Application Requirements

Minimum credit score
Doesn’t specify
Minimum Age
N/A

How To Apply GAP Credit Card

  • The application process takes just a few minutes and you should get a response within a minute or two.

  • You can apply for the GAP Store Card by selecting the appropriate Apply Now button below.

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How To Use GAP Credit Card

Where Can You Use GAP Credit Card?

  • Can only use GAP Credit Card at Gap Inc. brand stores

Pay Your GAP Credit Card Bill On Time

  • Try to finish the payment in order to avoid hurting credit scores

Something About GAP Credit Card Rewards

  • Make a purchase at Gap or Gap Factory within the first 90 days to take advantage of 20 percent off.

  • Register your email address and enroll in paperless billing to collect an easy 1,000 points.

  • Combine 10-percent savings at Gap and Gap Factory stores on Tuesdays with up to three rewards cards to save even more.

  • Use the card at least once every 24 months to keep your points from expiring.

  • Pay your balance in full every month to avoid paying higher-than-average interest.


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Credit card applications are straightforward, but you'll need to meet some minimum financial requirements to get approved for the best credit card offers. Learn how to apply for a credit online and what to expect after you click submit.

  • Knowing your credit score and what's on your credit report can help you determine what products to apply for. If you have fair credit, for example, you may not want to apply for a card that clearly states that only applicants with excellent credit will be approved.
  • If you don't have good credit, you may find it difficult to get approved for a card with a large sign-up bonus and a lucrative reward structure. Each credit card application ends up on your credit report, so the Nerds recommend using our credit cards comparison tool to find a card that fits your credit profile before applying.
  • If the card allows balance transfers, you may request to have balances transferred from other credit card accounts to the new card.
  • To apply for a credit card in the US, you’ll need a valid Social Security number and a positive credit history. The best rewards credit cards may require at least three to five years of good credit history, and some more than seven.
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