Gap Credit Card: An In-Depth Review (Updated 2019)

Whether you’re the type to replace your whole wardrobe to keep up with fashion trends or you infrequently add something new to your closet, the Gap card by VISA can make it easier to get rewards on your clothing purchases.

And unlike most store credit cards, you can also use the Gap credit card for non-Gap purchases because it’s a Visa card. Now, let’s dig into the details about what the card offers in terms of rewards and perks for loyal Gap shoppers.

Gap credit card rewards and perksGAP Credit Card Review

While the Gap credit card can’t compete with the best rewards credit cards, it offers some impressive benefits for a store card.

Here’s a breakdown of the card’s rewards structure:

  • Earn 5 points per dollar spent at Gap, Old Navy, Athletica, and Banana Republic
  • Earn 1 point per dollar spent everywhere else
  • For every 500 points you earn, you’ll get a $5 reward

So, for purchases made at Gap brands, you’ll only need to spend $100 to get a $5 rewards, giving you a 5% rewards rate. But for non-Gap purchases, you’re only getting a 1% rewards rate.

That’s not terrible, but you can do better with a card like the Chase Freedom Unlimited® or the Citi® Double Cash Card.

You can redeem your rewards earned with the Gap credit card in-store or online, and you can even use them in combination with one promotional offer to maximize your savings.

Other perks

GAP Credit Card Review

Here are some other benefits you’ll get when you sign up for the Gap credit card:

  • Get 20% off and free shipping on your first Gap purchase using the card
  • Receive an extra 10% off every time you shop at Gap, Gap Outlet, and Gap Factory stores
  • Get to special shopping events with exclusive discounts
  • Get more points on special bonus shopping days
  • Receive a special birthday gift every year
  • Pay no annual fee

Also, if you sign up for paperless statements and marketing emails, you’ll get an extra 1,000 points, which is worth $10 in rewards.

Gap silver status

If you can manage to earn 5,000 points in one calendar year, you’ll achieve Gap silver status, which gives you access to even more perks, including:

  • A 20% quarterly rewards bonus
  • Choose your own sale day
  • Free online shipping with no minimum purchase
  • Free basic alterations on Banana Republic purchases
  • Special silver cardmember events

But keep in mind that the bonus rewards points you earn don’t count toward silver status. You’ll get there if you spend $1,000 at Gap brand stores, $5,000 on non-Gap purchases, or a mix of the two.

“The Gap credit card has been my best credit card,” says Susan Jackman, a nurse living in Miami, Florida. “My kids outgrow their clothes so fast, so I feel like I’m always upgrading their wardrobe. This card has made a huge difference for me.”

GAP card member services

Gap credit card services is handled through its issuer, Synchrony Bank, so you’ll need to contact them directly to get information or ask questions about your Gap credit card. You can typically reach them by calling the number on the back of your credit card.

Alternatively, you can call the Gap credit card phone number at 866-450-5289.

Should you get the Gap credit card?

Despite the Gap credit card’s generous benefits, it’s not right for everyone. If you want to determine whether it’s right for you, there are three things you need to consider.

I qualified for this card when I couldn’t get any other bank to even look at me. Since then, I’ve made good progress with my credit.”

1. Your spending habits

If you don’t shop at Gap brand stores often, it doesn’t really make sense to get a new credit card for infrequent use. But if you’re a regular Gap shopper or shop at similar stores, it might be worth getting the card.

One of thing to consider, though, is whether the Gap credit card would encourage you to spend money unnecessarily. Getting discounts every time you shop could encourage you to overspend, so it’s important to understand whether the card would be a bad influence, so to speak.

One good way to ensure you don’t overspend is to create a monthly budget and stick to it.

2. Your credit score

The Gap credit card, as well as other store credit cards, is generally a good choice if you have bad credit or a limited credit history. So, even if your credit score isn’t the best, you’d have a good chance of getting approved. Plus, you can use the card to continue building your credit score.

“I qualified for this card when I couldn’t get any other bank to even look at me,” says Jackman. “Since then, I’ve made good progress with my credit.”

Keep in mind that the card’s interest rate is much higher than the average credit card interest rate. So, you’ll want to pay off your balance in full each month to avoid paying interest.

3. Personal preferences

You can only redeem your rewards for Gap vouchers, which can be somewhat limiting. If you’d prefer cash or travel rewards, you might be better off looking into cash-back or travel credit cards.

But if you’re OK with earning and redeeming rewards only at Gap, this card remains a good option.

Take a look at each of these things and also compare the Gap credit card with other major rewards credit cards. As you do your research, you’ll get a better idea of what you want in terms of rewards and card benefits.

How to apply for the Gap credit card

The application process takes just a few minutes and you should get a response within a minute or two. “I got my card about a week after I got approved for the card,” says Jackman. “It was perfect timing as I had some back-to-school shopping to do that weekend.”

If you’re interested in getting the Gap credit card, check out SuperMoney’s review page of the card to learn more and apply. Then, compare it to other personal credit cards to find your best option at the lowest possible rate.