Last Updated: 07/28/2025
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Highlights
Purchase APR (Variable APR)
25.99%(Verified 06/21/2024)
Disclaimer popup with additional information
Balance Transfer APR (Variable APR)
N/A
Credit Score Range
650 - 850
Annual Fee
$0
GapCard Visa Credit Card Review
This is a store rewards card issued by Synchrony Bank. If you're wondering whether GapCard Visa Credit Card is the right card for you, read on.
Key Takeaways
- Generous reward rate. You can get a rewards rate of up to 5 reward points per dollar spent.
- Welcome offer. Offers a signup bonus of 3000 points that can be redeemed for travel, gifts, or other perks.
- APR: This is not a great card for people who carry a balance. It has a variable regular purchase APR of 25.99%
- 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 up to 3% every time you make a transaction outside the U.S.
- Fair or better credit required. You will have good approval odds if you have a fair credit score or better.
Pros & Cons of GapCard Visa Credit Card
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GapCard Visa Credit Card FAQ
Does GapCard Visa Credit Card have a cash back or rewards program?
GapCard Visa Credit Card is a rewards card.
| Description |
Does GapCard Visa Credit Card have a signup bonus?
This 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?
This card doesn't offer a cash loyalty bonus.What are the GapCard Visa Credit Card benefits?
GapCard Visa Credit Card provides the following benefits:
- Zero fraud liability
- Reports to major credit bureaus
What are the relevant APRs for GapCard Visa Credit Card?
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.GapCard Visa Credit Card has a variable purchase APR of 25.99%. GapCard Visa Credit Card does not offer balance transfers. It also has a variable cash advance APR of 25.99% .
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 intro APR offer on balance transfers?
No, it does not come with an intro APR offer for balance transfers. GapCard Visa Credit Card does not offer balance transfers.Does GapCard Visa Credit Card 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 GapCard Visa Credit Card?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Foreign Currency Transaction Fee | Starting at 3% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Annual Fee | $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Late Fee Amount | Up to $37 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Cash Advance Fee ($) | Starting at $10 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Cash Advance Fee (%) | Up to 4% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost rewards card.
Does GapCard Visa Credit Card have a foreign transaction fee?
GapCard Visa Credit Card 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.What is the customer service phone number for GapCard Visa Credit Card?
The customer service number for GapCard Visa Credit Card is (866) 226-5638.
What is the support contact email for GapCard Visa Credit Card?
The support contact email for GapCard Visa Credit Card is customer.service@mail.synchronybank.com.
What is the login page for GapCard Visa Credit Card?
You can access the login page of GapCard Visa Credit Card here.
How do people rate the customer service and user experience of GapCard Visa Credit Card?
We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.
Does GapCard Visa Credit Card report your account activity to credit bureaus?
Yes, GapCard Visa Credit Card reports to the following credit bureaus:
- Equifax
- Experian
- TransUnion
Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and may help build your credit.
Does Synchrony Bank perform a hard credit pull?
Yes, GapCard Visa Credit Card performs a hard credit pull when you apply for a loan. Additionally, it doesn't provide the option to check your rates using a soft credit pull, a feature that many lenders offer.
Click here to get prequalified rates from multiple leading lenders without a hard credit pull. However, if you accept a loan offer, a hard credit pull will likely be performed.
How to apply for GapCard Visa Credit Card
- Visit the website of GapCard Visa Credit Card.
- 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 your credit score is preventing you from qualifying for this credit card, check out our guide for the best credit cards for bad credit.
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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.
Message from our editor
What we love about Gap Credit Card
The Gap credit card offers a good rate of rewards when you use it to shop at Gap stores. The card also comes with a sign up bonus and perks including exclusive discounts, a free birthday gift, and special shopping events.
Applying for the card automatically gets you considered for both the Gap Visa and the Gap store card. The Gap Visa card can be used anywhere, but even the store card is flexible, letting you use it at Gap, Old Navy, Athletica, and Banana Republic Stores.
What could Gap Credit Card do better?
The Gap Visa card offers poor rewards when you use it at other stores, so it’s mostly useful for shopping at Gap locations. The store card can only be used at Gap and its partner stores, so if you want a flexible credit card, you should look elsewhere.
You’re also restricted to using the rewards you earn at Gap stores. If you want simple cash back or other flexible rewards, this card won’t work for you.
Like many store credit cards, the interest rate on this card tends to be high, so if you often find yourself carrying a credit card balance, be prepared to pay hefty interest charges.
Gap Credit Card’s backstory
Gap Inc. was founded in 1969 in San Francisco California. The company operates multiple clothing and accessory brands, including Banan Republic, Athletica, and Old Navy. The company began offering the Gap credit card to help customers finance their clothing and accessory purchases.
The Verdict
If you shop at the Gap on a regular basis, the Gap credit card offers solid rewards. However, most people won’t shop at Gap stores often enough for this card to be worth having. Most people will get more benefit from more flexible rewards cards.
Hours of Operation
Sunday
8:00AM - 12:00AM
Monday
8:00AM - 12:00AM
Tuesday
8:00AM - 12:00AM
Wednesday
8:00AM - 12:00AM
Thursday
8:00AM - 12:00AM
Friday
8:00AM - 12:00AM
Saturday
8:00AM - 12:00AM