GAPCard
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Annual Percentage Rate (APR)
24.99% on Purchases
$1.00 Minimum Interest Charge
$1.00 Minimum Interest Charge
Credit Card Fees
No Annual Fee
Up to $35 for a Late Payment
Up to $35 for a Late Payment
Sign-up Bonus and Benefits
Receive a 15% discount on all charges the day you are approved.
- 500 points for paperless statements
- 5 points per dollar spent at GAP affiliated stores
- 500 points is the equivalent of a $5 reward
- Points will expire if there is no activity on the card for 24 months
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
Card Issuer: SYNCB
At Which Stores Can I Use This Card? Athleta, Banana Republic, GAP, Old Navy, Piperlime
Pay Your Bill Online
Editor review
The GAP brand cards are good for those that shop at Athleta, Banana Republic, GAP, Old Navy, and Piperlime.
| Overall rating | 2.7 | |
| Interest Rate (APR) | 2.0 | |
| Fees | 3.0 | |
| Rewards | 3.0 |
The GAP brand cards are good for those that shop at Athleta, Banana Republic, GAP, Old Navy, and Piperlime.
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.
Who Will Get the Most Out of This Credit Card
The clever shopper that times 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 accepts the card. 100 points gives you $1 in rewards and you can earn unlimited points.
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