| Rewards | Earn 5 points per $1 spent at Gap, Old Navy, Banana Republic, and Athleta Earn 1 point per $1 elsewhere (for Mastercard version) 500 points = $1 reward (roughly 1% value, but redeemable at Gap family brands) |
|---|---|
| Signup Bonus | 20% off first purchase when approved |
| Annual Fee | $0 |
| Cardmember Agreement | View Here |
| Cash Advance APR | Variable APR: ~26.99%–28.49% |
| Cash Advance Fee | Either $10 or 5% of the cash advance amount (whichever is greater) |
| Late Payment Fee | Up to $40. |
| Purchases APR | ~25.99% (Prime Rate + margin) |
| * Card terms and offers are subject to change. Confirm current details with the issuer. | |
CARD OVERVIEW
The Gap Credit Card is mainly known as a store-focused rewards card for shoppers who regularly buy from Gap, Old Navy, Banana Republic, and Athleta. It typically offers strong points earning within those brands, frequent discount promotions, and a simple “earn-and-redeem at checkout” style rewards system. There’s no annual fee, and the sign-up offer often includes an initial discount on your first purchase.
Most users say they like the easy approval process and the steady stream of promotions—especially 20% off events, birthday perks, and early access to sales. Loyal Gap shoppers also appreciate how quickly rewards can add up if they shop within the brand family.
On the downside, many reviewers mention that the value drops sharply outside Gap brands, and the rewards feel limited compared to true cash-back cards. Others complain about confusing point conversions, occasional issues with customer service (handled through the issuer Barclays), and relatively low credit limits. The high APR is also a common concern, especially for anyone who might carry a balance.
From my perspective, it’s a solid “lifestyle card” for frequent Gap shoppers, but not a strong everyday credit card. If you’re not regularly shopping in that retail ecosystem, a flat-rate cash-back card will usually deliver better long-term value.
RATE THIS CREDIT CARD
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Bro sorry, but some error occurred :O
H
Good discount, limited outside value
I got the Gap credit card for the generous welcome discount and exclusive sale stacking those saving on jean and sweaters feel great. Outside Gap/Old Navy/ related brands, the rewards are modest, but I still enjoy the perks when I shop.
D
Worst card ever
This card APR is the most high I ever seen, this card is a hole in your pocket.
DO NOT do it. or if you have it already try to get rid of it ASAP.
E
TERRIBLE bank .. Synchrony Bank is HORRID and the card is TOO MUCH TROUBLE
IF i could rate this below a "star" I would .. I paid the entire balance on the card and a week later was getting all kinds of notices that the account was not paid .. I called the bank and they should all the activity but had rejected the payment .. even though they showed the balance as ZERO .. it's a NIGHTMARE .. use another card .. the points are nice but its just not worth it
C
Canceled my card
GAP Synchrony Bank is a terrible company. I did love getting free clothes from earning the points, but that is the ONLY good thing about this card. My card was canceled TWICE for innocent mistakes that I made. My first card was canceled because my payment was one day late. When I called and talked to customer service, they are not empathetic or forgiving. Normally, companies will reopen your account after you speak with them. GAP gives you no remorse. I applied for a second card. This card was cancelled because they said I had two canceled checks on my account. I don't know what the first check was. The second one happened when I initiated a balance transfer. I did not receive the check in the mail, so I called the card company and asked for the check to be canceled and resent. I TOLD GAP this, that I canceled the check and they still said that wasn't a good enough reason and canceled my card. I had rewards built up from purchases that I am unable to use again. I have never dealt with a customer service that immediately cancels your card, even when you explain your situation.
D
Gap Card
This card is very frustrsting. They charge extra to pay your bill over the phone. And the website is impossible to get onto. Keeps telling me it is not secure. Wont let me past that so i can't even check my balance or pay. I now have a credit from overpayment and i cannot get in touch with anyone. Do Not Apply for this card
M
Credit
Wow what a dissapointment.My card was often rejected for no reason.And to make a payment with humuan over phone they charge ,savings are not that great either.On the plus good emergency card for a pinch
E
this card is great
great reward points earned and great sales offered to card holders
K
Need a better system
I was excited to get this card and I used it for the first few months, but it was a bit difficult to ever see an updated balance. I pulled back from using it for a little bit and they dropped my credit limit so significantly without notifying me, now I don't want to really use it at all. A little frustrating.
