Credit Cards Credit Card Reviews

Gap Visa Credit Card Review

overall rating
3.0

We publish unbiased product reviews; our opinions are our own and are not influenced by payment we receive from our advertising partners. Learn more about how we review products and read our advertiser disclosure for how we make money.

The Gap Visa card is a co-branded card, a collaboration between the clothing retailer and the credit card issuer. With the Gap Visa card, you'll earn 5 points per $1 spent at Gap-branded stores, either in-person or on-line, and 1 point per $1 spent on all other purchases. There's no annual fee, and it offers a one-time 20% discount for new cardmembers. However, it does have a high APR for purchases, and it charges foreign transaction fees.

Gap Visa Card

Overall Rating
3.0
Gap Visa Card
On Synchrony Bank's Secured Site.
Current Offer

Open a new Gap Card online to receive a 20% off your first Gap or Gap Factory product purchase with your new card.

Recommended Credit Score Our recommended ranges are based off of the FICO® Score 8 credit-scoring model. Credit score is one of the many factors lenders review in considering your application.
350 579
580 669
670 739
740 799
800 850
Poor - Excellent
Regular APR (%) 25.99% variable
Annual Fee $0
Rewards Earning Rate Earn 5 points for every $1 spent at Gap brands. Earn 1 point for every dollar spent on all other purchases.
Balance Transfer Fee This card does not offer balance transfers.
Foreign transaction fee (%) 3%
how this card stacks up
When compared among all rewards cards in our database:
Rewards
Benefits
Low Fees
Security/Customer Experience
Low Interest
worst best

The Gap Visa Card is not one of our top rated credit cards. You can review our list of the best rewards credit cards for what we think are better options.

Full Review of Gap Visa Credit Card

Pros
  • High rewards at Gap-branded stores

  • 20% discount off your first purchase

  • Extra shopping perks

  • Eligibility for Gap Silver status

Cons
  • Sky-high APR

  • Foreign transaction fees

  • Confusing application process

Pros Explained

  • High Rewards at Gap-Branded Stores: As a Gap Visa cardmember, you'll earn 5 points for every $1 spent at Gap-branded stores, including Banana Republic, Old Navy, Athleta, and, of course, the Gap itself. Plus, you'll get 1 point for every $1 spent on all other purchases. 
  • 20% Discount Off Your First Purchase: Once approved, you’ll receive a 20% discount on your first purchase with your credit card. The discount can only be used at Gap or Gap Factory, can only be used once, and must be used within 30 days of your opening the account. 
  • Extra Shopping Perks: As a cardmember, you're entitled to special perks, including:
    • Access to exclusive cardholder events with extra discounts
    • Bonus point shopping days
    • A birthday gift
    • No receipt necessary for returns
  • Eligibility for Gap Silver Status: If you earn 5,000 points in a calendar year—meaning you spent $1,000 at Gap-branded stores or $5,000 on non-Gap purchases, or a combination thereof—you'll qualify for Gap Silver status. At this level, you’ll get extra benefits, such as a 20% quarterly bonus reward, free online shipping, and basic alterations on Banana Republic purchases. You’ll also have access to a special customer service hotline. 

Cons Explained

  • Sky-High APR: Store-branded credit cards tend to have high APRs, and the Gap Visa card is no exception. The APR for this card is 25.99% on purchases, as of June 2020. According to the Federal Reserve, the average APR for all credit cards assessed interest is just 16.61%, as of Feb. 2020. While the Gap Visa’s APR is pretty much in line with other store-branded cards', it’s high in the overall scheme of things, particularly given the declining interest-rate environment. You can avoid costly interest fees by paying off your balance in full each month. But if you tend to carry a balance, you might want to consider shopping around for a card that has a lower APR. For example, the Chase Freedom card offers 0% introductory APR on purchases. After that, your APR will be 14.99% to 23.74%. 
  • Foreign Transaction Fees: If you plan on traveling outside of the United States, pay attention to the Gap Visa card's foreign transaction fees. You’ll pay a fee equal to 3% of every purchase whenever you use the card in another country or even when you’re at home and you buy something from a foreign vendor. If you were to spend $1,000 on such transactions, that means you’d pay $30 in fees. Many other cards don't charge foreign transaction fees. For instance, the SavorOne Rewards from Capital One card has no annual fee, charges no foreign transaction fees, and you’ll earn unlimited 3% cash back on dining and entertainment. 
  • Confusing Application Process: When you apply for a Gap Visa card, you're actually considered for two different cards: the Gap Visa card and the GapCard. The Gap Visa can be used anywhere Visa is accepted, while the GapCard can only be used at Gap-branded stores. (The major terms—APR, fees, etc.—are the same on both, but obviously, the latter is less useful, and might be irksome if you don’t want your wallet filled with lots of plastic). You don’t get to specify or submit an application for only one type of card. When you send in your information, Synchrony Bank— the financial institution that services Gap credit card applications—will consider you for the Gap Visa card. If you are not approved for that card, you are automatically considered for the GapCard, instead. 

This Card is Best For

  • Avatar for Annual Fee Averse Persona
    Resists or refuses an annual fee on principle or due to cost
    Annual Fee Averse
  • Avatar for Rewards Strategist Persona
    Seeks to maximize points or miles earnings across spending categories
    Rewards Strategist

First, and foremost, fans of this fashion brand are best suited for the Gap Visa. If you enjoy shopping at Gap, Old Navy, Banana Republic, or Athleta and spend hundreds of dollars on clothing and accessories per year, the Gap Visa card may be for you. It has no annual fee, so it should be painless to add the card to your wallet. 

Because the card has such a high APR on purchases, the Gap Visa card is best for fashionistas who pay off their balance in full each month. Otherwise, hefty interest charges will accrue. 

Gap Visa Bonus

When you're approved for the Gap Visa, you'll receive a 20% discount code and free shipping on your first purchase with the card. You have 30 days from the date of opening an account to redeem your discount, and it can only be used on Gap or Gap Factory purchases. 

That discount could help you save a significant amount of money if you're planning on updating your wardrobe. For example, let's say you added a blazer, a pair of jeans, and a dress from Gap to your shopping cart, bringing your total to $307.90. If it was your first purchase as a Gap Visa cardmember and you used your 20% discount, you’d get $61.58 off the total. You'd pay just $246.32, instead. 

Rewards Earning Details

With this card, you'll earn 5 points per $1 spent at Gap-branded stores, including Gap, Banana Republic, Old Navy, and Athleta. You'll also earn 1 point per $1 spent on all other purchases. 

You won’t earn rewards on babyGap OutfitBox or Old Navy SuperBox subscription services. 

Rewards Redemption Details

For every $500 points you earn on your account, you'll get a $5 reward you can redeem in-store or online. The maximum you can redeem at one time is $50. 

There is no limit to the amount of rewards you can earn. However, no more than $250 in rewards will be issued in one billing cycle. If your rewards exceed that amount, any extra reward points will be carried over to the next billing cycle. 

How to Maximize Your Rewards

To get the most value from your Gap Visa card, use it whenever you shop at Gap-branded stores. With it, you’ll earn 5 points per $1 spent on purchases from Gap brands. 

According to the Bureau of Labor Statistics, the average American consumer spent $1,866 on apparel in 2018. If you spent that much on clothing from Gap-branded stores and used your credit card to pay for those purchases, you’d earn 9,330 points. 

You'll receive a $5 reward for every 500 points you earn, so those 9,330 points would translate to $90 in rewards, with 330 points left over.

Standard Benefits

The Gap Visa card's benefits are typical of a store-branded card. Perks include: 

  • Access to special events and discounts
  • Bonus point shopping days
  • Special birthday gift
  • No receipt necessary for returns

Cardholder Experience

Like most store-branded cards nowadays, the Gap Visa card isn't managed by Gap, Inc. Instead, it’s serviced by Synchrony Bank, a national credit card issuer. 

Unfortunately, Synchrony doesn’t have a great reputation for customer service. According to J.D. Power’s Credit Card Satisfaction Study, Synchrony was ranked 10th out of 11 card issuers. The average ranking for a national card issuer was 806, while Synchrony’s ranking was just 780. 

You can reach Synchrony's customer service team by calling 800-887-1198. You can also chat with a customer representative through your account portal. 

Security Features

The Gap Visa has basic security features that are standard for credit cards. You’re covered by zero liability protection, so you’re not responsible for unauthorized transactions. And, the card has chip and signature technology for added security. 

Our Verdict

While the Gap Visa offers an impressive 5 points per $1 spent on Gap-brand purchases, you’re limited to shopping only at Gap-branded stores to earn the higher rewards rate, and you can only redeem your rewards at Gap-branded stores. The rewards rate for anything else (1 point for $1) is pretty par for the credit card course these days. 

And when you figure in the sky-high APR, the card’s even less of a bargain, especially if you’re the type who carries an outstanding balance from month to month.

If you are a big Gap fan, you might as well go for the Gap Visa, with its option to be used elsewhere. But if you're not a Gap devotee, you're likely better off with a retail-oriented, general rewards card that offers more rewards on every purchase and that has more redemption options. For example, the QuicksilverOne card from Capital One offers unlimited 1.5% cash back on every purchase you make from any merchant, and you can redeem your rewards for cash, statement credits, or even gift cards. And if you have a strong credit score, you can probably qualify for a lower rate elsewhere than the Gap Visa’s high purchase APR.

Apply Now
For Gap Visa Card
on Synchrony Bank's Secured Site.
Compare This Card
See how this card compares to similar cards
CURRENT CARD
Gap Visa Card
overall rating
3.0
Recommended Credit Score Our recommended ranges are based off of the FICO® Score 8 credit-scoring model. Credit score is one of the many factors lenders review in considering your application.
350 579
580 669
670 739
740 799
800 850
Poor - Excellent
Regular APR (%) 25.99% variable
Annual Fee $0
Rewards Earning Rate Earn 5 points for every $1 spent at Gap brands. Earn 1 point for every dollar spent on all other purchases.
Investopedia Credit Card Rating Methodology
Investopedia is committed to delivering the best credit card recommendations in the industry. We’ll tell you when a card is good, we’ll tell you when a card is bad, and we’ll only call a card the best if we would recommend it to our friends or family members.
Overall Star Rating Explained
To rate credit cards we objectively assess, score and weight nearly 100 individual card features which roll up into five major feature sets: fees, interest, rewards, benefits and security/customer service. Here’s how we weighted those feature sets for the overall star rating of a card:
We have applied our proprietary rating methodology to every generally-accepted credit card in the U.S. domestic market to allow consumers to make fully informed choices. It’s important to note that for our overall score that we make a number of assumptions about how you would be using your credit card:
  1. While we make no assumption as to whether balances are carried on a given card we do assign varying weights to all credit cards’ introductory APR (if present) in addition to the regular, long term purchase and balance transfer interest rates.
  2. We utilize BLS (U.S. Bureau of Labor Statistics) income and average category spending data to calculate annual earnings rates for rewards cards that offer cash back, points or miles rewards at a set rate on all spending or in consideration of bonus rewards for certain spending categories, like gasoline, groceries, restaurants or travel.
  3. We determine the maximum points value of rewards cards by dividing the points, cash back or miles required to exchange for the retail price of the most valuable redemption option (for example, in the case of a card that offers a domestic roundtrip airline ticket as a redemption option vs. another redemption option of lesser value that requires the same amount of points or miles to acquire, we would base the rewards value on the airline ticket).
  • Cards that are selected best overall in their respective categories generally feature most if not all of the following attributes:
  • Low or Reasonable Fees Credit card fees come in many forms but the primary ones involve those for annual card membership and balance transfer. There are a myriad of reward and non-reward card options that charge no annual fee but for the many that do assess an annual fee the cost is often justified by their lucrative ongoing rewards and initial signup bonuses. Balance transfer fees are occasionally waived during introductory periods with certain cards, a factor which is heavily and positively weighted in our scoring model for cards offering this benefit. When charged, balance transfer fees range between 3% - 5%, which we grade accordingly. Other standard fees can generally be avoided, such as those for paying late or taking cash advances but we rate those relative to other cards in the market for reference, though with less weight assigned
  • Competitive Interest Many cards offer 0% introductory APR on purchases and balance transfers for varying lengths and then revert to a permanent or regular APR (based on a variable rate tied to the prime rate) that applies to any balances not paid in full. We rate both introductory APR percentage and length (in months) along with the midpoint of the variable regular APR interest rate range.
  • Valuable Rewards Credit card reward programs can be based on cash back, points or travel rewards (which can be generic or travel partner-specific, as with airline and hotel co-brand card programs). For cards that offer rewards we determine the value per dollar spent along with average redemption values and assign more favorable ratings to cards that offer superior consumer value. We also assign value to sign-up bonus offers and their initial spending requirements, when present.
  • Excellent Benefits Credit card benefits cover a range of offerings like concierge service, TSA Pre-check, auto rental coverage, travel accident insurance, lost luggage assistance and free credit scores. We rate cards on the number and level of over a dozen standard and upscale benefits and provide extra weighting emphasis for those travel-related perks that apply to premium travel cards when present.
  • Solid Security/Customer Service Security and customer service features like lost or stolen card replacement, being able to lock one’s card from an issuer app and 24 hour customer support are becoming more standard across the card market and we provide a significant amount of weighting to features in this area.
  • You can also read the full version of our methodology for a more in-depth look at how we assess cards and award them the best in various categories.