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GapCard Visa Credit Card

in Personal Credit Cards

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GapCard Visa Credit Card

Unaffiliated

in Personal Credit Cards

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Overview

Who is this credit card designed for?

GapCard Visa Credit Card is a store credit card issued by Synchrony Bank, which is based in Draper, UT.

GapCard Visa Credit Card is designed for people with a credit score of 640 to 850. It's perfect for consumers looking for a card without an annual fee. It is also designed for people who want a cashback rewards program. This card allows you to earn cash on the purchases you make. A rewards program is included that allows you to convert your purchases into travel, gifts, and other perks.

What are the relevant APRs?

GapCard Visa Credit Card has a variable purchase APR of 26.24%.

Is an introductory APR offer available?

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

What are the fees?

The following fees apply to GapCard Visa Credit Card:

  • A late payment penalty of $37.
  • A foreign transaction fee of 3%. Transactions in a foreign currency get hit with a 3% fee. For example, if you buy a $1,000 flight in euros, you will pay a foreign transaction fee of $30.

Is a rewards program offered?

GapCard Visa Credit Card offers a rewards program to its customers. The rewards program allows you to earn cash with every purchase you make. This card features rewards for purchases in the following categories:

  • Every Purchase
  • Retail

Is a signup bonus offered?

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

Is an annual loyalty bonus offered?

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

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Contact

  • Headquarters
  • 170 Election Road
    Suite 125
    Draper, UT 84020 USA
  • Visit Site

Other Services by Synchrony Bank

Availability

Available in 50 States and Washington, DC
  • 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

Grace Period / Deferred Interest (Months)
23
No Annual Fee
Late Payment Penalty
$37
Minimum Interest Charge
$1.5
Foreign Currency Transaction Fee
3%
Credit Score Range
640 - 850
850 300 640
Supported Income Types
  • 1099 Misc. Income
  • Cash
  • Direct Deposit (W2, SSA, SSDI)
  • Payroll Check or Prepaid Card
Military Status
  • Active Duty Military
  • Military Dependent
  • Non-Military
  • Veterans
Employment Statuses Considered
  • Employed Full-Time
  • Employed Part-Time
  • Other
  • Retired
  • Self-Employed
  • Unemployed
Immigration Status Considered
  • U.S. Citizen
Customer Type
Personal
Card Type
  • Cash Back
  • Rewards
  • Store Card
Card Network
  • Visa
Rewards Categories
  • Every Purchase
  • Retail
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.
All Other Purchases
1 Point for every $1 spent everywhere Visa is accepted.
Purchases APR
Starting at
26.24%
Balance Computation
Daily Balance

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