Last Updated: 07/28/2025
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Gap Good Rewards Mastercard® Review
Key Takeaways
- Unlock up to 2,000 bonus points annually when you shop at 2 or more of our Gap Inc. brands. 2 brands = 500 pts // 3 brands = 1,000 pts // 4 brands = 2,000 pts. Get bonus points each quarter that you make a purchase at Gap, Banana Republic, Old Navy, or Athleta.
- APR: This is not a great card for people who carry a balance. It has a variable regular purchase APR of 28.24%
- No annual fee. This is a great option for people looking for a low-maintenance rewards card. It gives you rewards on your purchases , but you don't have to pay an annual fee for the privilege.
- A 5% balance transfer fee. Gap Good Rewards Mastercard® charges a fee of 5% on balance transfers. For example, a balance of $1,000 could cost $50 in transfer fees. The minimum fee is $5.
- Charges foreign transaction fees. Avoid using this card when traveling abroad because it charges a commission of up to 3% every time you make a transaction outside the U.S.
Pros & Cons of Gap Good Rewards
| The Good | The Bad |
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Gap Good Rewards FAQ
Does Gap Good Rewards have a cash back or rewards program?
| Description |
Does Gap Good Rewards have a signup bonus?
Does Gap Good Rewards offer an annual loyalty bonus?
This card doesn't offer a cash loyalty bonus.What are the Gap Good Rewards benefits?
- Zero fraud liability
What are the relevant APRs for Gap Good Rewards?
According to the Federal Reserve Board, the average regular APR for accounts that carry a balance (as of November 2024) is 22.80%. This card has higher than average regular APRs.Does Gap Good Rewards have an intro APR offer on balance transfers?
No, it does not come with an intro APR offer for balance transfers.Does Gap Good Rewards have an intro APR offer on new purchases?
This card does not offer an intro APR rate on new purchases.What are the fees for Gap Good Rewards?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Returned Payment Fee | Up to $41 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Foreign Currency Transaction Fee | Starting at 3% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Annual Fee | $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| No Annual Fee? | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Late Fee Amount | Up to $41 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Cash Advance Fee ($) | $10 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Cash Advance Fee (%) | 5% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
Does Gap Good Rewards have a foreign transaction fee?
Gap Good Rewards charges a foreign transaction fee of up to 3%. For example, if you spend $2,000 on a week vacation abroad you would pay a foreign transaction fee of $60. If you travel abroad you may want to leave this card at home and apply for one that doesn't charge foreign transaction fees.How do people rate the customer service and user experience of Gap Good Rewards?
Does Barclays Bank perform a hard credit pull?
How to apply for Gap Good Rewards
- Visit the website of Gap Good Rewards.
- Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, and annual income.
- Check the information is accurate and submit your application.
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Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author's alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.
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SuperMoney Net Recommendation Score
Not enough SuperMoney users have reviewed this product to provide a recommendation score or rating.
-100
Gap Good Rewards Mastercard® Community Reviews
Would you recommend Gap Good Rewards Mastercard® to your friends?
David T.
Jan 30, 2024
May or may not recommend
Sheryl M.
Jan 25, 2023
May or may not recommend
Showing 2 of 2 reviews
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