Earn rewards, enjoy discounts, and get exclusive offers with the Gap Credit Card. Shop at Gap Inc. brands and maximize savings with no annual fee. Apply now!
Table of Contents
Introduction
The GAP Credit Card is a convenient payment solution designed for shoppers who frequently purchase from GAP and its partner brands, including Old Navy, Banana Republic, and Athleta. This card offers an array of benefits tailored to enhance the shopping experience, such as reward points, exclusive discounts, and promotional offers.
Cardholders can earn points on their everyday purchases and redeem them for savings at GAP Inc. stores, making it an ideal choice for loyal customers seeking to maximize value from their purchases. With additional perks like special cardholder events and easy online account management, the GAP Credit Card is more than just a payment method—it’s a gateway to greater savings and rewards.
Types of Gap Credit Cards
Gap Good Rewards Credit Card
This is the entry-level credit card offered by Gap.
Key Features:
- Earn points on purchases at Gap and other Gap Inc. brands (Old Navy, Banana Republic, and Athleta).
- Special offers and rewards for loyal customers.
- Birthday reward each year.
- No annual fee.
Eligibility: Open to customers who meet the basic credit score and income requirements.
Gap Good Rewards Mastercard
A versatile version of the Gap credit card that can be used anywhere Mastercard is accepted.
Key Features:
- Earn points on all purchases (higher points for purchases at Gap Inc. stores).
- Offers rewards and perks outside of Gap stores, such as travel and dining.
- Provides all the benefits of the Gap Good Rewards Credit Card plus extra flexibility.
- Includes Mastercard benefits like fraud protection and extended warranty coverage.
Gap Silver Credit Card
An upgraded version of the Gap Good Rewards Credit Card for loyal shoppers.
Key Features:
- Exclusive to customers who spend a certain amount annually at Gap Inc. brands (typically $1,000 or more).
- Free shipping on all online orders from Gap Inc. brands.
- Bonus points opportunities.
- Higher earning rate on purchases made at Gap and its sister brands.
- Early access to sales and special events.
Gap Visa Credit Card (Legacy Product)
Previously offered by Gap, the Gap Visa Credit Card allowed purchases both at Gap Inc. brands and anywhere Visa was accepted.
Key Features:
- Earned rewards on all purchases, with extra points for Gap Inc. transactions.
- Provided Visa-exclusive perks and protection.
Current Status: This card has been phased out and replaced by the Gap Good Rewards Mastercard for new applicants.
Key Benefits of Gap Credit Cards
- Reward Points: All Gap credit cards earn points on purchases, redeemable for rewards at Gap Inc. brands.
- Special Discounts: Cardholders often receive exclusive discounts and promotional offers.
- Birthday Perks: A reward as a thank-you for loyalty.
- No Annual Fee: Most Gap credit cards have no annual fee, making them cost-effective for loyal shoppers.
Key Benefits of Gap Credit Card
Reward Points
- Earn points on every purchase at Gap and other Gap Inc. brands like Old Navy, Banana Republic, and Athleta.
- Redeem points for rewards to use across Gap Inc. stores.
Exclusive Discounts
- Enjoy special cardholder-only discounts and promotional offers throughout the year.
- Early access to sales and exclusive events.
Birthday Perks
- Receive a reward during your birthday month as a token of appreciation for your loyalty.
Free Shipping
- Gap Silver Credit Cardholders receive free shipping on all online orders from Gap Inc. brands.
Flexible Payment Options
- Gap Good Rewards Mastercard and Gap Silver Credit Cards can be used at any store that accepts Mastercard, earning points on non-Gap purchases.
No Annual Fee
- Most Gap credit cards come with no annual fee, making them an affordable option for frequent shoppers.
Mastercard Benefits (For Gap Good Rewards Mastercard)
- Enjoy global acceptance at millions of locations.
- Access benefits such as fraud protection, extended warranties, and travel assistance.
Special Tier Benefits
- Upgrade to Gap Silver status by spending $1,000 or more annually, unlocking higher earning rates, bonus points, and additional perks.
Manageable Payments and Account Tools
- Easily track your rewards, transactions, and account details online or through the Gap app.
- Convenient options to update payment methods and make payments.
Rewards Program Overview
How the Rewards Program Works
The Gap Rewards Program is designed to reward loyal shoppers with points for their purchases at Gap and other Gap Inc. brands, including Old Navy, Banana Republic, and Athleta. These points can be redeemed for rewards to use toward future purchases.
Earning Points
- Gap Good Rewards Credit Card:
Earn points for every dollar spent at Gap Inc. brands. - Gap Good Rewards Mastercard:
Earn points at Gap Inc. brands and additional points for purchases made outside the brand wherever Mastercard is accepted. - Bonus Opportunities:
Enjoy opportunities to earn extra points during promotional events, double-points days, or special offers.
Redeeming Points
- Points can be redeemed for reward certificates to use at Gap Inc. stores or online.
- Certificates are applied to your purchase total, reducing the cost of your order.
Membership Tiers
The program includes tiered benefits based on annual spending:
- Core Membership (Gap Good Rewards Credit Card): Standard earning and redemption benefits.
- Gap Silver Membership: Spend $1,000 or more annually to unlock:
- Higher earning rates.
- Free shipping on all Gap Inc. online orders.
- Exclusive access to sales and events.
Birthday Rewards
As a thank-you for your loyalty, members receive a birthday reward every year.
Additional Benefits
- Special Offers:
Members receive personalized offers and discounts throughout the year. - No Expiry on Points (for Silver Members):
Points remain active as long as you hold Silver status, ensuring you never lose your rewards.
Managing Your Rewards
- Log in to your Gap account to track points, view rewards, and monitor your spending progress.
- Redeem rewards at checkout in-store or online for seamless savings.
APR and Fees for Gap Credit Cards
| Feature | Details |
|---|---|
| Purchase APR | Variable APR between 20.99% and 28.99%, depending on your creditworthiness and the market Prime Rate. |
| Balance Transfer APR | Not applicable; balance transfers are not offered for Gap credit cards. |
| Cash Advance APR | Variable APR of 29.99%, depending on market Prime Rate. |
| Penalty APR | Up to 31.99%, applicable in cases of late or returned payments. |
| Annual Fee | None. |
| Minimum Interest Charge | $1.00, if applicable. |
| Late Payment Fee | Up to $40. |
| Returned Payment Fee | Up to $40. |
| Foreign Transaction Fee | None for Gap Good Rewards Mastercard; not applicable for store-only cards. |
| Grace Period | At least 23 days from the end of each billing cycle for payments on new purchases. |
| Cash Advance Fee | Either $10 or 5% of the amount of each cash advance, whichever is greater. |
Eligibility and Application Process
Eligibility Requirements
To qualify for a Gap credit card, applicants must meet the following criteria:
- Age: Must be at least 18 years old (or the age of majority in your state).
- Residency: Must be a U.S. resident with a valid Social Security Number or Taxpayer Identification Number.
- Credit Score: A fair to good credit score is typically required (usually 640 or higher).
- Income: Proof of sufficient income to meet repayment obligations.
Application Process
Follow these steps to apply for a Gap credit card:
Step 1: Choose Your Card
Decide whether to apply for the Gap Good Rewards Credit Card (store-only) or the Gap Good Rewards Mastercard (usable anywhere Mastercard is accepted).
Step 2: Complete the Online Application
- Visit the Gap website or apply in-store.
- Provide personal details, including name, address, email, phone number, and date of birth.
- Enter financial information, such as income and housing costs.
Step 3: Review and Submit
- Review the terms and conditions of the credit card agreement.
- Submit your application for processing.
Step 4: Approval Decision
- Approval decisions are often instant, but some applications may require additional review.
- Approved applicants will receive their card by mail within 7–10 business days.
Step 5: Activate Your Card
- Upon receiving your card, follow the activation instructions provided to start using it.
Additional Notes
- Prequalification: Gap may offer prequalification tools to check eligibility without impacting your credit score.
- Joint Applications: Gap credit cards do not support joint applications; each applicant must apply individually.
- Denial: If denied, you’ll receive an explanation letter detailing why and steps to improve your eligibility.
Gap Good Rewards Membership Tiers
Gap’s Good Rewards program is structured with tiered membership levels to reward customer loyalty. Each tier offers unique benefits based on annual spending.
Core Membership
Eligibility: Automatic upon signing up for the Gap Good Rewards program or upon approval for a Gap Good Rewards Credit Card.
Benefits:
- Earn points for every dollar spent at Gap Inc. brands (Gap, Old Navy, Banana Republic, and Athleta).
- Redeem points for rewards to use at Gap Inc. stores and online.
- Birthday reward each year.
- Access to member-exclusive offers and promotions.
Gap Silver Membership
Eligibility: Spend $1,000 or more at Gap Inc. brands within a calendar year.
Benefits:
- Free shipping on all online orders from Gap Inc. brands.
- Elevated points-earning rate for purchases at Gap Inc. brands.
- Bonus point opportunities during special promotional events.
- Early access to sales and exclusive events.
- Extended points expiration: Silver members’ points do not expire as long as Silver status is maintained.
Mastercard Benefits (Applicable to Gap Good Rewards Mastercard Holders)
Gap Good Rewards Mastercard holders enjoy additional perks outside Gap Inc. brands, including:
- Earning points on all purchases made anywhere Mastercard is accepted.
- Mastercard-specific benefits like fraud protection and extended warranties.
Tier Advancement and Maintenance
- Advancement: Spend $1,000 or more annually at Gap Inc. brands to upgrade to Silver status.
- Maintenance: Continue to spend $1,000 or more each year to retain Silver membership benefits.
- Reversion: If annual spending falls below $1,000, membership reverts to Core status in the next calendar year.
Comparing Gap Credit Card with Competitors
Here’s a comparison of the Gap credit card and similar retail store credit cards offered by competitors like Old Navy, Target, and Amazon.
| Feature | Gap Good Rewards Credit Card | Target RedCard | Amazon Store Card | Macy’s Credit Card |
|---|---|---|---|---|
| Store Brands Covered | Gap, Old Navy, Banana Republic, Athleta | Target only | Amazon only | Macy’s only |
| Rewards Rate (In-Store) | 5 points per $1 spent | 5% off purchases | 5% back on Amazon Prime purchases | Up to 5% back in rewards |
| Rewards Rate (Other) | Gap Mastercard: 1 point per $1 spent outside Gap brands | Not applicable | None (requires Amazon Prime for 5%) | None (store-only use) |
| Welcome Bonus | Bonus points or discount on first purchase | $40 off $40+ first purchase | $10 Amazon gift card upon approval | 20% off first-day purchases |
| Annual Fee | None | None | None | None |
| Exclusive Offers | Yes, cardholder-exclusive discounts and early sale access | Yes, Target Circle deals | Yes, Prime Day and other promotions | Yes, special discounts for cardholders |
| APR | Variable 20.99%-28.99% | Variable 29.40% | Variable 28.99% | Variable 30.99% |
| Free Shipping | Silver tier members get free shipping on all Gap Inc. online orders | Not included | Free shipping with Amazon Prime membership | Free shipping for Gold and Platinum members |
| Eligibility | Fair to good credit (640+) | Fair to good credit (640+) | Fair to good credit (640+) | Fair to good credit (640+) |
| Redeemable Rewards | Gap Inc. brands only | Instant savings at checkout | Amazon purchases only | Macy’s purchases only |
Online Account Management for Gap Credit Card
Managing your Gap credit card account online is easy and convenient. Here’s an overview of how you can access and manage your account through Gap’s online platform.
Key Features of Online Account Management
Account Registration & Access
- Sign Up: If you’re a new user, visit the Gap credit card management website to register your account by providing your credit card number and personal details.
- Login: Existing cardholders can log in using their username and password.
View Account Summary
- Access your account dashboard to view an overview of your current balance, available credit, and minimum payment due.
- Check your reward points balance and see the rewards you’ve earned.
Track Transactions
- Monitor all recent transactions, including purchases made in-store and online at Gap Inc. brands, and outside the Gap network if you have the Gap Good Rewards Mastercard.
- Review detailed transaction history and identify where you’ve earned points.
Pay Your Bill
- Make one-time payments or set up recurring monthly payments to ensure your account is always up-to-date.
- Choose between paying the full balance, minimum payment, or any amount in between.
- Payments can be made via bank transfer, debit card, or check.
Reward Management
- View your rewards points and redeem them for certificates to use toward purchases at Gap and its sister brands.
- Track your progress toward earning more rewards or advancing to Silver membership for added benefits.
Account Alerts and Notifications
- Set up account alerts for bill due dates, payment reminders, or when you earn enough points to redeem rewards.
- Receive notifications about exclusive offers and promotional events.
Update Personal Information
- Update your contact details, such as your phone number, email address, and billing address.
- Manage your communication preferences to receive account statements and promotional updates.
Security Features
- Enable two-factor authentication for added security when accessing your account.
- Monitor your account for any suspicious activity and report unauthorized transactions immediately.
Customer Support
- Access support through the online portal, either via chat, email, or by contacting customer service.
- Resolve issues like incorrect charges, billing inquiries, or rewards questions through direct communication with the Gap credit card issuer, Barclays.
Mobile App Management
- If you prefer mobile access, Gap offers a mobile app for easy account management on the go.
- Use the app to view your transactions, rewards, make payments, and receive alerts directly to your phone.
Mobile App Integration for Gap Credit Cardholders
The Gap credit card offers a seamless mobile app experience, allowing cardholders to manage their accounts on the go. With the integration of the Gap credit card into the mobile app, you can access all key features from your smartphone, making it easier to stay on top of your finances and rewards.
Key Features of Mobile App Integration
Account Overview
- View your account balance, available credit, and current due amount.
- Monitor transactions made at Gap Inc. brands and anywhere your Gap Good Rewards Mastercard is used.
- Quickly check your rewards points balance and track your progress toward redeeming rewards.
Payment Management
- Pay your credit card bill directly through the app with ease.
- Set up one-time payments or schedule recurring monthly payments.
- Choose to pay the full balance, minimum payment, or any amount in between.
Reward Redemption
- Redeem reward points directly from the app for discounts or certificates to use at Gap and its sister brands.
- Track your rewards progress and see upcoming opportunities to earn more points through purchases or promotions.
Transaction History and Notifications
- Access a detailed transaction history, including purchases, payments, and any adjustments.
- Receive real-time push notifications for payment due dates, promotional offers, and exclusive member discounts.
- Get alerts when your reward points are close to expiring or when you have earned enough points to redeem.
Account Alerts
- Set up alerts for various activities, such as payment reminders, spending limits, and when new offers are available.
- Stay updated with alerts for new sales events, birthday rewards, and special promotions tailored to your preferences.
Security and Privacy
- Secure your account by enabling two-factor authentication (2FA) for an added layer of security.
- Use biometric login (fingerprint or face recognition) for a quicker and more secure sign-in process.
- Monitor your account for unauthorized transactions and report issues directly through the app.
Customer Support
- Access 24/7 customer support through the app for billing inquiries, rewards issues, or any other account-related questions.
- Use the in-app chat feature to quickly connect with a representative for fast assistance.
Store Locator and Deals
- Use the app’s store locator to find nearby Gap Inc. brand stores.
- Access exclusive mobile-only deals and promotions directly from the app.
Easy Integration with Other Accounts
- Link your Gap credit card with other apps, such as digital wallets, for easy payment processing.
- Use the app to update your personal details, including address, phone number, and email preferences.
Pros and Cons of Gap Credit Card
Pros
Reward Points on Purchases
- Earn points for every dollar spent at Gap and its sister brands (Old Navy, Banana Republic, Athleta), which can be redeemed for discounts or rewards certificates.
- Gap Mastercard earns points on purchases made outside Gap Inc. brands as well.
Exclusive Discounts and Offers
- Enjoy cardholder-only discounts and early access to sales.
- Get special birthday rewards and seasonal promotions.
No Annual Fee
- There is no annual fee for the Gap Good Rewards Credit Card, making it an affordable option for frequent shoppers.
Free Shipping (Silver Members)
- Silver members enjoy free shipping on all online orders from Gap Inc. brands, adding more value to the card for frequent online shoppers.
Easy Reward Redemption
- Rewards points can be redeemed easily for discounts at Gap and its brands. This allows cardholders to save on future purchases.
Flexible Payment Options
- You can manage payments through the mobile app or online portal and set up automatic payments to keep track of your spending.
Access to Special Events and Offers
- As a Silver member, you gain early access to sales, exclusive promotions, and bonus points opportunities.
Cons
High APR
- The APR for the Gap credit card is high (variable 20.99% to 28.99%), which may lead to significant interest charges if balances are not paid off in full each month.
Limited Rewards Redemption
- Rewards can only be used at Gap Inc. brands (Gap, Old Navy, Banana Republic, and Athleta), limiting their flexibility compared to other store cards that can be used at various retailers.
Limited Redemption Outside Gap Inc.
- While the Gap Mastercard earns points outside Gap Inc. brands, the standard Gap Good Rewards Credit Card does not earn points for purchases made elsewhere.
High Penalty APR
- A penalty APR of up to 31.99% may be applied if you miss a payment or have a returned payment, which can increase your costs significantly.
No Cash Back on Non-Gap Purchases
- Non-Gap purchases with the Gap Good Rewards Credit Card do not earn rewards, making it less appealing for those who want to earn points on all their purchases.
Limited Tier Benefits
- To unlock higher benefits (e.g., free shipping), you must meet the $1,000 annual spending threshold to qualify for Silver membership, which may not be easy for casual shoppers.
Requires Good Credit
- A fair to good credit score (typically 640 or higher) is required for approval, which might be a barrier for those with lower credit scores.
Tips to Maximize Gap Credit Card Rewards
To get the most out of your Gap credit card, follow these tips to maximize your rewards and enjoy the benefits:
Shop at Gap Inc. Brands
- Maximize Points: Use your Gap credit card whenever you shop at Gap, Old Navy, Banana Republic, or Athleta to earn 5 points for every dollar spent.
- Look for Promotions: Gap frequently offers extra points promotions. Take advantage of these sales to earn even more rewards.
Pay Attention to Special Offers
- Exclusive Discounts: Keep an eye on your account and emails for cardholder-only offers and seasonal promotions, which can provide extra savings or bonus points.
- Birthday Rewards: Make sure to use your birthday reward to get a discount during your birthday month.
Use the Mastercard Version for Non-Gap Purchases
- Earn on Every Purchase: The Gap Good Rewards Mastercard allows you to earn 1 point for every dollar spent outside Gap Inc. brands. Use it for everyday purchases to accumulate more rewards.
- Combine with Other Offers: Pair your Mastercard with cashback offers or other retailer rewards programs when shopping outside Gap Inc. to get additional savings.
Reach Silver Membership Status
- Spend $1,000 Annually: To unlock Silver membership, which offers free shipping on all online orders from Gap Inc. brands, spend $1,000 annually at Gap stores.
- Enjoy Extra Benefits: Silver members also receive early access to sales and exclusive bonus point events, further boosting your rewards potential.
Redeem Points Wisely
- Save for Larger Rewards: Accumulate enough points to redeem for larger discount certificates, which can offer greater value compared to smaller rewards.
- Watch for Expiring Points: Be mindful of your points’ expiration date and use them before they expire to avoid losing them.
Make Payments On Time
- Avoid Interest Charges: Paying your balance in full each month will prevent high-interest charges, allowing you to keep more of your rewards savings.
- Set Up Alerts: Use the mobile app to set up payment reminders and avoid late fees, ensuring you don’t miss out on rewards due to an outstanding balance.
Use Rewards for Special Purchases
- Seasonal Shopping: Save your rewards for larger purchases, such as holiday gifts or back-to-school shopping, to make the most of your discount certificates.
- Stack Rewards with Sales: Use your rewards in combination with Gap’s sales or clearance events to maximize your savings on full-price items.
Conclusion
The Gap credit card is a valuable option for loyal shoppers of Gap Inc. brands, offering a variety of benefits such as reward points, exclusive discounts, and early access to sales. Whether you choose the Gap Good Rewards Credit Card or the Gap Good Rewards Mastercard, both options provide opportunities to earn and redeem rewards, making shopping at Gap, Old Navy, Banana Republic, and Athleta even more rewarding.
For those who frequently shop at Gap Inc. stores, the ability to earn 5 points per dollar and access to special offers can lead to significant savings. Additionally, Silver membership unlocks even greater benefits, like free shipping and bonus point opportunities.
However, the card does come with a high APR, which can be costly if balances are carried over. It’s important to manage payments carefully to avoid interest charges and make the most of your rewards. If you primarily shop at Gap’s family of brands, this card is a great way to earn exclusive perks, but for those who don’t shop often at these stores, the benefits may be more limited.
Olillohome Charge On Credit Card
FAQs About Gap credit card
What is the Gap Credit Card?
The Gap Credit Card is a store card issued by Barclays, offering cardholders the ability to earn rewards points for purchases made at Gap Inc. brands (Gap, Old Navy, Banana Republic, and Athleta). Cardholders can redeem these points for discounts or rewards certificates for future purchases.
How do I earn rewards with my Gap Credit Card?
You earn 5 points for every dollar spent at Gap, Old Navy, Banana Republic, and Athleta. With the Gap Good Rewards Mastercard, you can also earn 1 point for every dollar spent on purchases outside these brands.
Is there an annual fee for the Gap Credit Card?
No, the Gap Good Rewards Credit Card does not charge an annual fee, making it an affordable option for frequent shoppers.
What are the benefits of Silver Membership?
Silver Membership is available for cardholders who spend $1,000 annually at Gap Inc. brands. Benefits include free shipping on online orders, exclusive access to sales events, and the ability to earn additional reward points during special promotions.
Can I use my Gap Credit Card at other retailers?
The Gap Good Rewards Credit Card can only be used at Gap Inc. stores (Gap, Old Navy, Banana Republic, and Athleta). However, the Gap Good Rewards Mastercard can be used anywhere that accepts Mastercard, allowing you to earn points on purchases outside Gap Inc. brands as well.
How do I redeem my rewards points?
You can redeem your rewards points for certificates that can be used at Gap, Old Navy, Banana Republic, or Athleta. Points can be redeemed directly on the Gap website or in-store.
What happens if I miss a payment?
Missing a payment can lead to a penalty APR of up to 31.99% on your account, in addition to late fees. To avoid this, it’s recommended to set up automatic payments or reminders to ensure payments are made on time.
What is the APR for the Gap Credit Card?
The APR for the Gap Credit Card ranges from 20.99% to 28.99% variable, depending on your creditworthiness. If you carry a balance, the interest charges can add up quickly.
How do I apply for the Gap Credit Card?
You can apply for the Gap Credit Card online through the Gap website or by visiting a Gap Inc. store. The application process typically requires basic personal information and a credit check.
How can I manage my Gap Credit Card account online?
You can manage your account through the online portal or mobile app. Features include viewing transactions, making payments, tracking rewards, and setting up alerts for due dates and special offers.
Can I get a discount when I first open my Gap Credit Card?
Yes, new cardholders are often eligible for an introductory discount on their first purchase. Check with Gap for any current offers available to new applicants.
Does the Gap Credit Card have any international fees?
The Gap Good Rewards Mastercard may have foreign transaction fees. If you plan on using your card internationally, check the terms for any fees associated with purchases made outside the U.S.
Can I use my Gap Credit Card for online purchases?
Yes, you can use your Gap Credit Card for online purchases at Gap, Old Navy, Banana Republic, and Athleta websites, as well as in-store purchases at any Gap Inc. brand.
How do I know if I qualify for the Gap Credit Card?
To qualify for the Gap Credit Card, you generally need a fair to good credit score (usually 640 or higher). If you’re unsure, you can check your credit score before applying to see if you meet the requirements.
What is the difference between the Gap Credit Card and the Gap Mastercard?
The Gap Credit Card can only be used at Gap Inc. brands (Gap, Old Navy, Banana Republic, and Athleta). The Gap Mastercard can be used anywhere Mastercard is accepted, allowing you to earn rewards on non-Gap purchases as well.
How do I check my Gap Credit Card rewards balance?
You can check your rewards balance by logging into your online account, using the Gap mobile app, or reviewing your account statement.
How long do rewards points last?
Rewards points typically expire after 12 months if not redeemed, so be sure to use them before they expire.
Can I transfer my rewards points to someone else?
No, Gap rewards points are non-transferable and can only be redeemed by the account holder.
