GAPCard
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Annual Percentage Rate (APR)
28.24% on Purchases
$2.00 Minimum Interest Charge
$2.00 Minimum Interest Charge
Credit Card Fees
No Annual Fee
Up to $39 for a Late Payment
Up to $39 for a Late Payment
Sign-up Bonus and Benefits
New Card Member Bonus
Receive up to 20% off first purchase after being approved for an account.GAP Inc. Rewards Program
- Receive 5 points per dollar spent
- Every 500 points earns you a $5 gift certificate that can be used towards new purchases
- Points expire in account becomes inactive for 24 months
GAP Silver
- Unlock GAP Silver when you make 5000 points in purchases within a year
- Free 3-5 day shipping when you use promo code: MYCARD
Resources
Click to Apply Online or In-store
Card Issuer: SYNCB
At Which Stores Can I Use This Card? Athleta, Banana Republic, GAP, Old Navy, Piperlime
Pay Your Bill Online
Customer Service: 855-605-4360
Card Issuer: SYNCB
At Which Stores Can I Use This Card? Athleta, Banana Republic, GAP, Old Navy, Piperlime
Pay Your Bill Online
Customer Service: 855-605-4360
Editor review
The GAP brand cards are good for those that shop at Athleta, Banana Republic, GAP, Old Navy, Piperlime, and Hill City.
Reviewed by
Steven Merkel
October 20, 2015
Last updated: July 05, 2019
#1 Reviewer - View all my reviews (25)
| Overall rating | 3.8 | |
| Interest Rate (APR) | 3.0 | |
| Fees | 5.0 | |
| Rewards | 3.5 |
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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