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Review Detail

 
GAPCard
Store Issued
The GAP brand cards are good for those that shop at Athleta, Banana Republic, GAP, Old Navy, Piperlime, and Hill City.
Overall rating 
 
3.8
Interest Rate (APR) 
 
3.0
Fees 
 
5.0
Rewards 
 
3.5
Steven Merkel Reviewed by Steven Merkel October 20, 2015
Last updated: July 05, 2019
#1 Reviewer  -   View all my reviews (25)

The GAP brand cards are good for those that shop at Athleta, Banana Republic, GAP, Old Navy, Piperlime, and Hill City.

Do You Recommend This Credit Card?

Yes
This is an average credit card for people who are looking to start their credit history and love shopping at their stores.
The best way to take advantage of this credit card offer is to plan the initial bonus offer with a good sales event, and plans on paying off their card's balance in full as to avoid accruing interest.

Is The Interest Rate Competitive

The interest rate is aligned with most of the other store credit cards, but it is still considered high and lies within the upper echelon of acceptable interest rates for credit cards.

How Do You Like the Rewards

The rewards are pretty standard for a store issued credit card. There is nothing that really stands out or wows me when I read through the rewards program details. Basically an account holder earns 5 points per dollar spent at GAP stores and other chains that accept the card. 100 points gives you $1 in rewards and you can earn unlimited points. There is another reward tier that can be unlocked after you earn 5,000 points in a calendar year., which gives you additional perks of 20% bonus points rewards every quarter.
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