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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

This product is mostly not recommended by SuperMoney users with a score of 0, equating to 3 on a 5 point rating scale.

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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2 users don't recommend
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Highlights
Community Rating

Rating not yet determined  

Purchase APR  (Variable APR) 25.99%
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 credit card issued by Synchrony Bank. If you're wondering whether GapCard Visa Credit Card is the right card for you, read on. This review will provide you with with all the details you need to make a good choice.

Key Takeaways
  • Generous reward rate. You will get a rewards rate of up to 5 reward 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 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 3% every time you make a transaction outside the U.S.
  • Fair or better credit required. You will have good approval oods if your credit score is above650.
Pros & Cons of GapCard Visa Credit Card
The Good The Bad
  • 20% off first purchase
  • Extra 10% off in-store purchases
  • No receipt necessary for returns
  • No annual fee.
  • Identity Theft Protection.
  • Cardholders can earn rewards on their purchases.
  • 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

Does GapCard Visa Credit Card have a cash back or rewards program?

GapCard Visa Credit Card is a rewards card.

GapCard Visa Credit Card Rewards
Minimum rewards rate 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?

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?

It 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 is 15% for all credit cards and 17% for accounts that carry a balance. It has higher than average regular APRs.

It has a variable purchase APR of 25.99%. 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.

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?

The following fees apply:

GapCard Visa Credit Card Fees
Fees Amount
Annual Fee $0
Foreign Transaction Fee 3%
Late Payment Fee up to $37

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 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 GapCard Visa Credit Card customer service number 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.

How do people rate the customer service and user experience of GapCard Visa Credit Card?

Overall, GapCard Visa Credit Card is mostly recommended based on community reviews that rate customer service and user experience.

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

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 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.

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.

Contact

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

Other Services by Synchrony Bank

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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

Every Purchase (Points) Starting at 1
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 Minimum $10
Cash Advance Fee (%) Up to 4%
Minimum Cash Advance Fee ($) Starting at $10
Foreign Currency Transaction Fee 3%
Minimum Interest Charge $2
Late Fee Amount Up to $37
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
  • Other
  • Employed Full-Time
  • Employed Part-Time
  • Self-Employed
  • Retired
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Credit Score Range 650 - 850
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
Credit Card Benefits
  • Fraud Liability
  • Identity Theft Protection
Rewards Categories
  • Points on Retail
  • Points on Every Purchase
Signup Bonus (points) 3,000
Cash Advance APR (Variable APR) 25.99%
Balance Computation Daily Balance
Penalty APR (Variable APR) 0%
Purchase APR (Variable APR) 25.99%
Card Type
  • Rewards
  • Store Card
  • Bonus Offers
Card Network Visa

GapCard Visa Credit Card Community Reviews

 

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SUPERMONEY NET RECOMMENDATION SCORE

This product is mostly not recommended by SuperMoney users with a score of 0, equating to 3 on a 5 point rating scale.

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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