Gap Credit Card Review. Кредит gap

Gap Credit Card | Gap®

The Gap In. Rewards Program Terms And Conditions Will Be Changing.

  • Your issued rewards will no longer be referred to as a reward "Card" or "Certificate", given the different channels in which rewards are presented and used. Moving forward they will be referred to as simply "Rewards".
  • Rewards for all programs will be issued beginning at $5 denominations.
  • Old Navy will introduce a tier program known, as ‘Navyist by Old Navy’
  • Cardholders must earn 5,000 points (excluding bonus points) to upgrade to Luxe, Silver or Navyist status. Visa cardholders will qualify for status by making purchases outside of Gap, Inc. locations.
  • Gap Silver, Banana Republic Luxe and Navyist by Old Navy accounts will earn a 20% rewards bonus each calendar quarter.
  • These changes take effect beginning 7/1/2015.

Rewards Program Terms and Conditions


  • All holders of Gap Credit Card Accounts or Gap Visa Card Accounts (each a “Gap Account”) are eligible to participate in the Gap Rewards Program.
  • All holders of Banana Republic Credit Card Accounts or Banana Republic Visa Card Accounts (each a “Banana Republic Account”) are eligible to participate in the Banana Republic Rewards Program.
  • All holders of Old Navy Credit Card Accounts or Old Navy Visa Card Accounts (each an “Old Navy Account”) are eligible to participate in the Old Navy Rewards Program.
  • All holders of Athleta Credit Card Accounts or Athleta Visa Card Accounts (each an "Athleta Account") are eligible to participate in the Athleta Rewards Program.
  • “Account” means a Gap Account, Banana Republic Account, Old Navy Account or Athleta Account.
  • “Visa Account” means a Gap Visa Card Account, Banana Republic Visa Card Account, Old Navy Visa Card Account or Athleta Visa Card Account.
  • The Gap Rewards Program, Banana Republic Rewards Program, Old Navy Rewards Program and Athleta Rewards Program are collectively referred to herein as the “Rewards Program”.

If you participate in the Rewards Program for your Account, you accept the following Rewards Program Terms and Conditions (“Terms and Conditions”):

Qualifying: The Rewards Program applies when you make a purchase using your Account and you meet these requirements: Your Account is: 1) open, 2) in good standing, and 3) not more than two (2) payments past due both at the time you earn Reward Points (“Points”) and at the time Reward Cards are issued by a Rewards Program and redeemed by you. The Rewards Program does not apply to cash or debit card purchases or to the purchase of Gap, Banana Republic or Old Navy products with credit cards other than one of the Accounts. In addition, Points are only earned on the Account used to make the purchase and are not based on the store in which the purchase is made. For example, if you use a Gap Account to purchase Old Navy products, you will earn Points on your Gap Account (and not on an Old Navy Account). If you have more than one Account, you cannot transfer or combine Points between Accounts.

Member Benefits: The Rewards Program provides you with the following benefits:

  1. Shop in stores or online at Gap, GapBody, babyGap, GapKids, Gap Maternity, Gap Outlet, Banana Republic, Banana Republic Factory Store, Old Navy, or Athleta in the U.S., Canada or Puerto Rico or directly with Athleta via phone or mail (each, a “Store Location”). Rewards are not earned for purchases made at Intermix stores or For every dollar in net purchases (net purchases are merchandise purchased minus returns and adjustments) charged to your Account at any Store Location, you will earn five Points. You will earn one Point for every dollar in net purchases made at: (1) other merchants and charged to your Visa Account, or (2) Store Locations outside the U.S., Puerto Rico and Canada that are charged to your Account. Cash advances, finance charges and fees do not qualify for Points. Points will be credited to your Account’s Rewards Program balance.
  2. For every 1,000 Points you earn on your Gap or Banana Republic Account, you will receive a Reward Certificate value of $10 for that Account. Gap and Banana Republic Reward Cards will be issued in increments of $10, with a minimum value of $10 and a maximum value of $50. For every 500 Points you earn on your Old Navy Account, you will receive a Reward Card value of $5 for that Account. Old Navy Reward Cards will be issued in increments of $5, with a minimum value of $5 and a maximum value of $50. Reward Cards will be issued by the same brand as the Account. Multiple Reward Cards may be issued for an Account; however, no more than $250 in Reward Cards will be issued in any billing cycle. Any Points in a billing cycle that are either less than the amount required for the lowest denomination of Reward Card on the Account or worth more than $250 in Reward Cards will be applied toward a Reward Card in a future billing cycle. For example: If you earn 2,500 Points on your Gap Account, you will receive a $20 Gap Reward Card and 500 Points will carry forward in your Rewards balance for your next billing cycle; if you earn 5,000 Points on your Banana Republic Account, you will receive a $50 Banana Republic Reward Card; and if you earn 1,500 Points on your Old Navy Account, you will receive a $15 Old Navy Reward Card.
  3. There is no limit to the amount of Points you can earn in a calendar year for an Account. Reward points earned but not used towards the issuance of a Reward Card will expire 24 months after your last purchase if your Account has been inactive (i.e., there has been no purchase activity on your Account) for 24 months. Reward Cards will expire as of the expiration date set forth on the Card.
  4. Reward Card(s) will generally be issued on your Account on the billing statement for the period during which you accumulated the required number of Points for a Reward Card, or in some instances up to two (2) billing cycles thereafter.

Rewards Redemption: You can redeem a Reward Card at a Store Location within the valid dates shown on the Reward Card by either (i) presenting and surrendering the Reward Card in store or (ii) providing the Reward Card code online, via phone or mail. Reward Cards may only be redeemed at Store Locations toward purchases charged to your Account. You can redeem up to three (3) Reward Cards on a single item purchase in store or via mail, and up to five (5) Reward Cards on a single item purchase online or via phone. Reward Cards can be combined with any one promotional offer, and they can be used to purchase items on sale at any Store Location. Rewards may not be redeemed at Intermix stores or When redeeming your Reward Card, the value of your purchase must be greater than the value of the Reward Card(s). Reward Cards cannot be credited to an account, redeemed for cash or cash equivalent, applied to past purchases, or used for purchasing gift cards. If you return merchandise purchased with Reward Card(s), the dollar value of the Reward Card(s) allocated to item(s) returned will be converted to Reward Points and credited to your Account within the next two (2) billing cycles. If you did not use your Account, or if your Account is closed, the dollar value of the Reward Card(s) allocated to the item(s) returned shall not be refunded or credited. Returns are subject to Store Location Return/ Exchange policies. Additional restrictions may also apply as stated on your Reward Card. Employees of Gap Inc. cannot combine Rewards Cards with their employee merchandise discount.

General Terms for Using Reward Cards: Reward Cards are not transferable to anyone else and may only be used by you for your personal benefit. You cannot combine your benefits with the benefits accrued by any other Rewards Program participant. Reward Cards are not “gift certificates” and are not intended for gift-giving purposes. Points and Reward Cards have no cash value and are purely promotional. Reward Cards cannot be used retroactively for prior purchases. Unless and until you complete the Program Terms and Conditions by presenting the Reward Cards at a Store Location, you do not have any right, title, or interest in your Points or the Reward Cards. We are not responsible for lost or stolen Reward Cards.

Gap Silver and Banana Republic Luxe Accounts: Gap and Banana Republic Accountholders who do all of the following: (a) spend $800 in Store Locations (excluding merchandise returns) on their Account within a calendar year, (b) make at least the minimum payment due on their Account by the payment due date after reaching the $800 qualifying amount, and (c) keep their Account in good standing, will be upgraded respectively to a Gap Silver Account or Banana Republic Luxe Account. Upgrades will be processed within 90 to 120 days after you qualify. Once you receive your upgraded card, you will receive additional Gap Silver or Banana Republic Luxe cardholder benefits. You must spend at least $800 in Store Locations (excluding merchandise returns) on your Gap Silver Account or Banana Republic Luxe Account each calendar year in order to maintain your respective qualification as a Silver or Luxe cardholder.

Removal From or Modification/Termination of Rewards Program: We reserve the right to remove any person from the Rewards Program in the event of any fraud or abuse in connection with this Program. We reserve the right to change or terminate the Rewards Program at any time and in any manner without notice.



Complete Agreement: Governing Law and Arbitration These Terms and Conditions, together with your Agreement (including, without limitation the “Governing Law” and “Dispute and Claim Resolution (including Arbitration) Provision” sections of the Agreement), make up the entire agreement between us relating to the Rewards Program, and replace any prior understandings or agreements (whether oral or written) regarding the Rewards Program. The Rewards Program is provided by Gap Inc. and serviced by Synchrony Bank.

Gap Credit Card Login - Manage Your Gap Visa Account Online

UPDATED December 8, 2017  Most major retail outlets in the United States have some credit card associated with the brand. These cards will work nearly anywhere credit cards are accepted. The only main difference is the user receives special perks connected with the particular store. These perks are no different with the Gap Visa credit card. For individuals who enjoy the Gap, shop their often or are interested in receiving additional perks for shopping at the store should look into the Gap Card. We are in no way affiliated with Gap Visa, continue reading for Gap Credit Card Login access.

The Gap Visa works in a similar manner to any other Visa based store credit card. You will receive benefits directed towards the store and also through secondary brands connected with Gap. Gap owns not only the Gap Store but also Old Navy, Banana Republic, and Athleta. The card has the advantage of being used at any of these four stores for additional perks. So, if you are interested in this kind of a card, it is an excellent card to consider.

Gap Credit Card Login Pros

The Gap Visa is a card you should consider if you shop at one of the four listed stores on a regular basis. Create a Gap credit card login and easily manage your account. With a Gap credit card login cardholders can view recent activity, check their balance, make a Cap credit card payment. Tracking your rewards points can also be done when users create a Gap credit card login.

Now, there are some cons you need to read through before making the final decision. The rewards directed towards in-store shopping are advantageous. First, you receive 15% off your entire first purchase when using the card. For every dollar you spend, you’ll earn five points and a single point per dollar anywhere else. For every 500 points, you receive a $5 gift card good for use at any of the stores (or online).

You will have extra incentive to shop at the stores on Tuesdays as you receive an excellent 10% off all purchases made on Tuesday (and while shopping online). You will receive special birthday discounts, specialty offers to earn more points, and you will be invited to exclusive Gap events.

If you earn 5,000 points within a single calendar year ($5,000 spent on the card or $1,000 spent at Gap based stores), you’ll receive an invite to “Gap Silver.” This gives you a 20% quarterly bonus on reward points; you can choose your sale day, receive free online shipping, have access to specialty events and even receive free alternations on Banana Republic purchases.

Gap Credit Card Login Cons

Now for the downside. It is hard to argue with the great shopping perks connected with the card, but this is a credit card you need to make sure you pay your Gap credit card payment on time every month. If you don’t, you will feel it. The Gap Visa credit card charges a variable APR of 27.24%. This high-interest rate is subject to changing over time.  Additionally, you’ll pay a foreign transaction fee of 3%, so if you travel a good deal, this is not the card for you. If you ask for a cash advance, you’ll either need to pay $10 or 4% interest on it, whatever is greater.

Gap Credit Card Login

If you currently have your Gap Visa card and you want to manage your Gap credit card payment or view your rewards, you need to create your Gap credit card login. Head over to the website and choose the credit option. Now, select “Login.” You’ll be asked to enter your credit card number, name, billing address and some other basic information. Once Approved you’ll have full access to your account.

With the account active you’ll need to associate your bank’s checking account (you’ll need the routing and banking number for this). You can then make payments, also, to activating your card through the account, check your rewards and learn about new offers and rewards.


If you need to contact Gap at any time, you can call the company 7 am until 1 am, seven days a week with the toll-free number 1-866-450-4467

For any letter correspondence, write:Gap I nc./Synchrony BankPO Box 965004Orlando, FL 32896-5004

Login Issues

If you forgot your Gap Credit Card Login, please see Username RecoveryIf you forgot your Gap Visa password, please Reset Your Password

Note: We are not an affiliate with Gap Credit Card Login. You should NOT contact us with any sensitive information that is of a personal nature. We are merely a resource that provides information.


Gap Credit Card Review - Credit Sesame

If you’re a frequent shopper at the Gap and the Gap family of stores, the Gap credit card could be a good fit for you. In addition to its rewards program, the Gap credit card offers benefits such as 10% off every Tuesday at the Gap and Gap Factory stores and websites, priority access to special events, exclusive discounts, and special savings on your birthday.


Although this card offers some attractive perks, it also comes with a high annual percentage rate (APR). Consider the types of cards available, the rewards, and the costs associated with this card before applying.

Types of Gap credit cards

Applicants can choose from two types of Gap credit cards: the Gap Inc. Credit Card (the store credit card) and the Gap Inc. Visa® Card.

Both cards provide access to the rewards program, and both cards can be used online and in-store at the Gap family of stores, which includes Gap, Banana Republic, Athleta and Old Navy.

The biggest difference between the two cards that you can use the Gap Inc. Visa® Card anywhere that accepts Visa®.

Cardholders can also use the Gap Inc. Visa® Card to get a cash advance.

Gap credit card APR and other fees

Both types of Gap credit cards come with no annual fee and a variable purchase APR of 25.24%. This rate varies according to the market and the Prime Rate. The penalty fee for a late payment runs up to $37. The Gap Inc. Visa® Card charges a variable APR of 27.24% for cash advances. Additional transaction fees include a foreign transaction fee of 3% of each transaction and a cash advance fee of either $10 or 4% of the amount of each cash advance, whichever is greater.

How to cope with the high interest rate of the Gap credit card

Retail cards are renowned for their high interest rates, but if cardholders use the card wisely and practice proper debt management, they can avoid paying large amounts of interest. The bank won’t charge interest if you pay the balance in full each month by the due date. If you’re unable to pay the card in full every month, work to pay the balance as quickly as possible to reduce the final cost of your purchases.

Store cards are only really worth it if you can pay off your balances in full each month to avoid the high interest rates. Late payments are detrimental to your credit score. Credit Sesame data shows that most of our members are responsible with paying their credit cards on time, with about only 1% in late payment status.

StatusPercentage of Credit Cards
Late Payment1.36%
In Collections 8%

For a closer look at how payment habits affect the bottom line, consider the following scenario:

David charged $500 on his Gap credit card. He paid only the minimum amount due on his card every month (3% or $25, whichever was greater). It took him 27 months to pay off the charges, and it cost him $174 in extra interest charges. Ouch. That’s 35% above the price of the items he bought.

Susan charged the same amount on her Gap credit card, but she paid $100 every month. She was able to pay off her balance in 6 months, and it cost her $37 in extra interest charges.

As the above scenario illustrates, the faster you pay off a balance, the less you spend on interest. Experts suggest paying off large purchases within six months or sooner.

Minimum credit score for a Gap credit card

Synchrony Bank, the financial institution that issues the Gap credit card, doesn’t specify a minimum credit score needed to qualify for either credit card. In general, if you have fair to good credit, the chances of approval are favorable, but not guaranteed.

If you aren’t sure where your credit score falls, now is the time to request a copy of your credit report score from Credit Sesame. You may also want to read What is a Good Credit Score? that we published recently.

See how you compare to Credit Sesame members when it comes to your credit score.

Understanding your credit report

A credit report provides lenders with a snapshot of a card applicant’s credit history. Everyone has a credit report with each of the three credit bureaus: TransUnion, Equifax, and Experian. Each bureau uses the information in its file to calculate a credit score.

The bureaus base this three-digit score on five weighted major factors, (these percentages are general guidelines) including payment history (35%), the amount of money a person owes (30%), the length of his or her credit history (15%), the types of credit he or she has (10%), and any new credit (10%).

The good, the bad and the ugly

Most lenders have their own definition of what makes a “good” credit score. The following list provides a general guideline of where most credit scores fall:

  • Excellent: 750+
  • Good: 700-749
  • Fair: 650-699
  • Poor: 600-649
  • Bad: below 600

Higher scores show lenders that an applicant is financially responsible, while lower scores could indicate that this person could be a greater risk to lend to. Make sure your payments post on time and carry low balances on all credit cards; these two factors make up more than half of a credit score and thus influence its movements the most.

Gap credit card rewards

When you open a Gap credit card, you’re automatically enrolled in the rewards program, which lets you earn points on all qualified purchases. To maximize reward points, use the card exclusively at Gap brand stores to earn five points for every dollar spent. Gap Inc. Visa® Card cardholders can also earn one point for every dollar they spend on their Visa card away from the Gap stores. Cardholders get a $5 reward for every 500 points they accumulate.

Silver status

If you earn 5,000 points in a calendar year, you’ll earn Gap Silver status, which provides extra perks such as a choose-your-own-sale day and a 20% quarterly bonus on reward points. For example, if you have 1,000 points, Gap will give you an extra 200 bonus points if you’ve reached Gap Silver status. Other Silver benefits include free online shipping (with code), special events just for cardholders, and free basic alterations on any Banana Republic purchases.

Store cards like the Gap credit card can help you establish a positive credit history with responsible use by you, and offer rewards on purchases that you plan to make anyway. Do keep in mind that this card comes with a hefty interest rate that can inflate the final cost of a shopping adventure. If you shop frequently at the Gap family of brands and are you are trying to decide whether the Gap credit card is a good option based on whether you’ll be able to make the payments on time and if you’ll be able to pay the balance within six months. If the answer to either of those questions is “no,” you may want to rethink applying for the card.

Disclosure: Credit Sesame is an independent comparison service provider. Reasonable efforts have been made to maintain accurate information throughout our website, mobile apps, and communication methods; however, all information is presented without warranty or guarantee. The editorial content on this page is not provided by any credit card issuer. Any opinions, analysis, reviews, or recommendations expressed here are author’s alone, not those of any credit card issuer, and have not been reviewed, approved or otherwise endorsed by any credit card issuer. The credit card offers that appear on this site are from credit card companies from which we may receive compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). This site does not include all credit card companies or all available credit card offers. All images and trademarks are the property of their respective owners.

Responses are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser’s responsibility to ensure all posts and/or questions are answered.

You can trust that we maintain strict editorial integrity in our writing and assessments; however, we receive compensation when you click on links to products from our partners and get approved.

Gap Credit Card


we don't offer application for this card

Credit Recommended Excellent / Good

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0% (14 months)

10.99% (14 months)

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13.24% - 23.24% (Variable)

13.24% - 24.24% Variable

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13.24% - 24.24% Variable

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Save 20% and enjoy free shipping on your first purchase with the GapCard

20000 Miles once you spend $1,000 on purchases within 3 months from account opening

INTRO OFFER: Discover will match ALL the cash back earned at the end of your first year, automatically.

We'll match all the Miles you've earned at the end of your first year. For example, if you earn 30,000 Miles, you get 60,000 Miles.

INTRO OFFER: Discover will match ALL the cash back earned at the end of your first year, automatically.

Gap Credit Card Login | Make a Payment

The Gap provides a simple and easy to access customer portal for owners of the Gap Credit Card. Once you are logged into this portal it is possible to activate your card, check your balance, add an authorized user, make a payment, and sign up for paperless statements. All of this can be done from the comfort of your own home as long as you know how to do it. Thankfully, we are here to help you understand everything there is to know about accessing your online account and even setting one up if you have not done so already. All you have to do is scroll down this page and you will find a guide we have created that will explain it all to you.

We highly recommend taking a moment to read the online privacy policy in its entirety. Doing so will keep you informed of the ways in which your personal information is going to be used and protected throughout the login/registration processes.

How to Login

In order to login cardholders must first go to the login homepage, pictured below. Once there you will be required to enter your User ID in the blank space provided and click the Login link. On the following page you will be asked to enter your Password before being given access to your online account.

If you have forgotten your User ID you may retrieve with help from the Gap. Simply click Lookup User ID and you will be directed to a second page which will ask for the following information:

  • Account number
  • Last 4 digits of your Social Security

Once you have entered your information correctly, click the Continue button to begin the retrieval process.


In order to activate your new Gap Credit Card and setup an online account you can either call the registration number provided above or enroll online. To enroll online you will first need to click the Secure registration link provided above. On the following page click the Register & Activate link.

You will be asked to enter your account number, after which you will move on to validate this card, install your personal security parameters, provide an image for your account, and finalize the account before creation.

Once all of these steps have been completed you have setup an online account for your Gap Credit Card which you can use to make immediate online payments, access previous monthly statements, and request additional cards.

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