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, and was established in 1988.

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?

Synchrony Bank charges a variable APR on new purchases 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.

What additional benefits are offered?

GapCard Visa Credit Card provides the following benefits:

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