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  GapCard Visa Credit Card

GapCard Visa Credit Card

in Personal Credit Cards from Synchrony Bank

Claimed

GapCard Visa Credit Card

Claimed

in Personal Credit Cards from Synchrony Bank

Net Recommendation Score 0%

SUPERMONEY NET RECOMMENDATION SCORE

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2 users don't recommend
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Highlights
Community Rating

Rating not yet determined  

Purchase APR  (Variable APR) 27.49%
Balance Transfer APR  (Variable APR) N/A
Credit Score Range 640 - 850
Annual Fee $0

GapCard Visa Credit Card Review

GapCard Visa Credit Card is a store rewards credit card issued by Synchrony Bank. If you're wondering whether GapCard Visa Credit Card is the right card for you, read on. This is everything you need to know to make a good choice.

Key Takeaways
  • Generous reward rate. You will get a a rewards rate of 5 points per dollar spent.
  • Signup bonus. Offers a signup bonus of 3000 points that can be redeemed for travel, gifts, or other perks.
  • High APRs. This is not a great card for people who carry a balance. It has a variable purchase APR of 27.49%
  • 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.
  • Charges foreign transaction fees. Avoid using this card when traveling abroad because it charges a commission of 3% every time you make a transaction outside the U.S.
  • Fair or better credit required. You stand a chance of qualifying if your credit score is not below 640.
GapCard Visa Credit Card Pros & Cons
The Good The Bad
  • 20% off first purchase
  • Extra 10% off in-store purchases
  • No receipt necessary for returns
  • No annual fee.
  • Cardholders can earn rewards on purchases everywhere GapCard Visa Credit Card is accepted.
  • GapCard Visa Credit Card reports to multiple credit bureaus.
  • Higher than average purchase APRs.
  • Charges a foreign transaction fee of 3%.
  • Does not include many credit card benefits.
GapCard Visa Credit Card FAQ

Is there a GapCard Visa Credit Card cash back or rewards program?

GapCard Visa Credit Card offers a rewards program to its customers.

GapCard Visa Credit Card Rewards
Minimum rewards rate (all purchases) 1x
Max rewards rate 5x
Annual rewards limit N/A
Signup Bonus (Points/Miles) 3000
Signup Bonus Spend Period (months) 1 months

Does GapCard Visa Credit Card have a signup bonus?

GapCard Visa Credit Card doesn't offer a cash signup bonus. However, it does include a 3000 points signup bonus that can be redeemed for travel, gifts, or other perks.

Does GapCard Visa Credit Card offer an annual loyalty bonus?

GapCard Visa Credit Card doesn't offer a cash loyalty bonus.

What are the GapCard Visa Credit Card benefits?

GapCard Visa Credit Card provides the following benefits:

  • ID Theft Protection
  • Reports to major credit bureaus

What are the relevant APRs for GapCard Visa Credit Card?

According to the Federal Reserve Board, the average interest rate is 15% for all credit cards and 17% for accounts that carry a balance. GapCard Visa Credit Card has higher than average purchase APRs.

GapCard Visa Credit Card has a variable purchase APR of 27.49%. It also has a variable cash advance APR of 28.49% .

The good news is this card does not charge a penalty APR if you are late on a payment.

Does GapCard Visa Credit Card have an introductory APR offer on balance transfers?

No, GapCard Visa Credit Card does not come with an introductory APR offer for balance transfers.

Does GapCard Visa Credit Card have an introductory APR offer on new purchases?

GapCard Visa Credit Card does not offer an introductory rate on new purchases.
GapCard Visa Credit Card Purchase Intro Offer
Description
Introductory Rate N/A
Purchase Intro APR Period (months) N/A

What are the fees for GapCard Visa Credit Card?

The following fees apply to GapCard Visa Credit Card:

GapCard Visa Credit Card Fees
Fees Amount
Annual Fee $0
Foreign Transaction Fee 3%
Late Payment Fee $38

Does GapCard Visa Credit Card have a foreign transaction fee?

GapCard Visa Credit Card charges a foreign transaction fee of 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 a foreign transaction fee.

Does GapCard Visa Credit Card report your account activity to credit bureaus?

Yes, GapCard Visa Credit Card reports your account activity to the following credit reporting agencies:

  • Equifax
  • Experian
  • Transunion
  • Innovis

Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and may help improve your credit.

How to apply for GapCard Visa Credit Card

  • Visit the GapCard Visa Credit Card website.
  • 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.
  • If you're denied click here to find out why your application may have been rejected and what you can do about it.

If your credit score is preventing you from qualifying for this credit card, check out our guide for the best credit cards for bad credit.

SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...
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.

Availability

  Available in 50 states and Washington, D.C.
  • Alabama
  • Alaska
  • Arizona
  • Arkansas
  • California
  • Colorado
  • Connecticut
  • Delaware
  • Washington, DC
  • Florida
  • Georgia
  • Hawaii
  • Idaho
  • Illinois
  • Indiana
  • Iowa
  • Kansas
  • Kentucky
  • Louisiana
  • Maine
  • Maryland
  • Massachusetts
  • Michigan
  • Minnesota
  • Mississippi
  • Missouri
  • Montana
  • Nebraska
  • Nevada
  • New Hampshire
  • New Jersey
  • New Mexico
  • New York
  • North Carolina
  • North Dakota
  • Ohio
  • Oklahoma
  • Oregon
  • Pennsylvania
  • Rhode Island
  • South Carolina
  • South Dakota
  • Tennessee
  • Texas
  • Utah
  • Vermont
  • Virginia
  • Washington
  • West Virginia
  • Wisconsin
  • Wyoming

Feature Breakdown

Eligible In-Store Purchases (Points) 5
Entertainment (Points) 1
Every Purchase (Points) $5 reward for every 500 points you earn.
No Annual Fee  
Annual Fee $0
No Interest Grace Period for Late Payment 23 days
Cash Advance Fee (%) Starting at 3%
Minimum Cash Advance Fee ($) Starting at $10
Foreign Currency Transaction Fee 3%
Minimum Interest Charge $2
Late Fee Amount $38
Customer Type Personal
Minimum Age 18
Supported Income Types
  • Direct Deposit (W2, SSA, SSDI)
  • Cash
  • Payroll Check or Prepaid Card
  • 1099 Misc. Income
Military Status
  • Active Duty Military
  • Non-Military
  • Veterans
  • Military Dependent
Employment Statuses Considered
  • Employed Full-Time
  • Employed Part-Time
  • Other
  • Retired
  • Self-Employed
  • Unemployed
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Credit Score Range 640 - 850
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
  • Innovis
Credit Card Benefits
  • Fraud Liability
  • Identity Theft Protection
Bonus Rewards 5 Points for every $1 spent on Gap Brands (Gap, Old Navy, Banana Republic, and Athleta), in-store and online. $5 reward for every 500 points you earn.
Rewards Categories
  • Every Purchase
  • Retail
Signup Bonus (points) 3,000
Rewards Type Points
Cash Advance APR (Variable APR) 28.49%
Balance Computation Daily Balance
Penalty APR (Variable APR) 0%
Purchase APR (Variable APR) 27.49%
Card Type
  • Rewards
  • Store Card
  • Bonus Offers
Card Network Visa

GapCard Visa Credit Card Community Reviews

 

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SUPERMONEY NET RECOMMENDATION SCORE

0%

Recommendation score measures the loyalty between a provider and a consumer. It's at 100% if everybody recommends the provider, and at -100% when no one recommends.

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