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  GapCard Visa Credit Card

GapCard Visa Credit Card

in Personal Credit Cards from Synchrony Bank

Unaffiliated

GapCard Visa Credit Card

Unaffiliated

in Personal Credit Cards from Synchrony Bank

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Highlights
Highlights
Annual Fee $0
Purchase APR (Variable APR) Starting at 26.49%
Balance Transfer APR (Variable APR) N/A
Credit Score Range 640 - 850

GapCard Visa Credit Card Corporation

GapCard Visa Credit Card is a store cashback credit card issued by Synchrony Bank. 

Fair credit. This card is designed for people with fair credit. The minimum credit score to apply is 640.

If you're wondering whether GapCard Visa Credit Card is the right card for you, read on. This is everything you need to know to make a good choice.

Is there a GapCard Visa Credit Card cash back or rewards program?

GapCard Visa Credit Card is a cashback card. This means you earn a percentage of your purchase as a cash reward. With GapCard Visa Credit Card you receive 1% cash back on every purchase. For example, if you buy a $1,000 laptop, you will receive $10 back in cash. However, you can earn up to 5% for purchases in a bonus category.

GapCard Visa Credit Card Rewards
Rewards rate (all purchases) 1%
Max rewards rate 5%
Annual rewards limit N/A
Signup Bonus ($) N/A
Signup Bonus (Points/Miles) 3000

What are the GapCard Visa Credit Card benefits?

GapCard Visa Credit Card provides the following benefits:

  • Fraud Liability
  • ID Theft Protection
  • Reports to major credit bureaus

What are the relevant APRs for GapCard Visa Credit Card?

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% .

Does GapCard Visa Credit Card have an introductory APR offer?

GapCard Visa Credit Card does not offer an introductory rate on new purchases.
GapCard Visa Credit Card Rates & Terms
Purchase APR Starting at 26.49%
Cash Advance APR Starting at 28.49%

What are the GapCard Visa Credit Card fees?

No Annual Fee. GapCard Visa Credit Card does not charge an annual fee.

3% Foreign transaction fees. 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 a foreign transaction fee.

The following fees apply to GapCard Visa Credit Card:

GapCard Visa Credit Card Fees
Fees Amount
Annual Fee $0
Foreign Transaction Fee 3%
Late Payment Fee $38

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.

How to apply for GapCard Visa Credit Card

  • Visit the Synchrony Bank website.
  • Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, annual income, and source of employment.
  • Check the information is accurate and submit your application.
  • If you're denied click here to find out why your application may have been rejected and what you can do about it.
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...

Availability

Alaska Alabama Arkansas Arizona California Colorado Connecticut Washington, D.C. Delaware Florida Georgia Hawaii Iowa Idaho Illinois Indiana Kansas Kentucky Louisiana Massachusetts Maryland Maine Michigan Minnesota Missouri Mississippi Montana North Carolina North Dakota Nebraska New Hampshire New Jersey New Mexico Nevada New York Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Virginia Vermont Washington Wisconsin West Virginia Wyoming
  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

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

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