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GapCard Visa Credit Card

in Personal Credit Cards

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GapCard Visa Credit Card

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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 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.

What are the relevant APRs?

GapCard Visa Credit Card has a variable purchase APR starting at 26.49%.

It also has a variable cash advance APR starting at 28.49%.

Is an introductory APR offer available?

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

GapCard Visa Credit Card does not offer an introductory rate on new purchases.

What are the fees?

The following fees apply to GapCard Visa Credit Card:

  • There is no annual fee.
  • A late payment penalty of $38.
  • 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?

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. However, it does include a 3000 points signup bonus that can be redeemed for travel, gifts, or other perks.

Is an annual loyalty bonus offered?

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

What additional benefits are offered?

 GapCard Visa Credit Card provides the following benefits:

  • Fraud Liability
  • Reports to major credit bureaus

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

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

  • Equifax
  • Experian
  • Transunion
  • Innovis

Making regular and on-time payments on a credit card that reports your account activity to credit bureaus will demonstrate that you consistently manage debt well and can help increase your credit scores.

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...

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
23
Annual Fee
$0
No Annual Fee
Late Payment Penalty
$38
Minimum Interest Charge
$2
Foreign Currency Transaction Fee
3%
Supported Income Types
  • 1099 Misc. Income
  • Cash
  • Direct Deposit (W2, SSA, SSDI)
  • Payroll Check or Prepaid Card
Employment Statuses Considered
  • Employed Full-Time
  • Employed Part-Time
  • Other
  • Retired
  • Self-Employed
  • Unemployed
Military Status
  • Active Duty Military
  • Military Dependent
  • Non-Military
  • Veterans
Immigration Status Considered
  • U.S. Citizen
Minimum Age
18
Credit Score Range
640 - 850
850 300 640
Customer Type
Personal
Credit Card Benefits
  • Fraud Liability
  • ID 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
All Other Purchases
1 Point for every $1 spent everywhere Visa is accepted.
Signup Bonus (points)
3,000
Cash Advance APR
(Variable APR)
Starting at
28.49%
Purchases APR
(Variable APR)
Starting at
26.49%
Balance Computation
Daily Balance

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