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Gap Visa® Credit Card review

Get accelerated rewards points and perks at Gap Inc. stores.

  • Get this card if you frequently shop at Gap Inc. stores.
  • Pick something else if you want a variety of reward redemption options.
  • Apply with a good to an excellent credit score of 670 or higher.
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Points as welcome offer

Up to 5x



Annual fee


Purchase APR (variable)


Annual fee$0
Welcome offer20% off and free shipping on your first purchase within the first 30 days
Rewards5x points on Gap brands and 1x points on all other purchases
Purchase APR25.99% variable
Balance transfer APRN/A
Minimum Credit Score670

Review by

Kliment Dukovski is a cryptocurrency and investments writer who has written over 700 articles to help readers find and compare the best financial options. Kliment has also written on money transfers, home loans and more. Previously, he ghostwrote guides and articles on foreign exchange and stock market trading.

Expert review

The Gap Visa® Credit Card is made for those who often shop at Gap, Old Navy, Banana Republic and Athleta. With this card, you get a reward rate of 5 on in store or online purchases, cardmember benefits such as bonus points toward Gap Silver status. It also carries no annual fee.

Aside from a few naming conventions, the Gap Visa® Credit Card is identical to the Banana Republic credit card. That means you can earn points with this card at Gap, Banana Republic, Old Navy, Athleta and Hill City.

Unfortunately, that means this card also comes with the same downsides as the Banana Republic card: a somewhat lackluster signup bonus, limited redemption options and a high APR. You might find some value in this card if you shop frequently at the Gap family brands, but you’re more likely to get better value from a general rewards card.

How to apply for the Gap Visa® Credit Card

  1. Visit the Gap credit card website.
  2. Click Apply now.
  3. Fill out the application form using your personal information and annual income.
  4. Add an authorized user if you want.
  5. Review the application form and submit.

What credit score do I need?

Increase your chances of approval with a good to an excellent credit score of 670 or higher.

Card benefits

  • Signup bonus.
    Get free shipping and save 20% on your first Gap or Gap Factory purchase made within 30 days of account opening. Plus, get 3,000 bonus points for a purchase made outside of the Gap brands within the same 30–days period.
  • Reward points.
    Earn 5x points on all in-store or online purchases at Gap, Old Navy, Banana Republic and Athleta, and 1x points on all other purchases.
  • Gap benefits.
    Enjoy 10% discounts at Gap and Gap Factory stores, use bonus-point shopping days and get a birthday gift.
  • Gap Silver status.
    Earn 5,000 bonus points in a calendar year to enjoy Silver status. This comes with benefits such as 20% bonus points each quarter, choose your own sale day, free online shipping and more. You need to earn 5,000 points each year to maintain your status.
  • No annual fee.
    Use the card’s perks without paying an annual fee.

What to watch out for

  • High APR.
    Incur a high APR of 25.99% variable if you fail to pay your credit card balance in full. If you often carry your balance, a low APR credit card could be a better choice.

  • No balance transfer option.
    Unfortunately, you can’t move any balance to this card. If that’s what you want, compare balance transfer credit cards.
  • Limited redemption options.
    Redeem your points only at Gap Inc. store locations.
  • Foreign transaction fees.
    Incur a 3% fee of the amount of each transaction made abroad.

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Bottom line

If you often shop at Gap, Banana Republic, Old Navy and Athleta, consider this card. It has a generous rewards rate and offers valuable perks at these stores.

But if you want a credit card with a variety of redemption options, check out other credit cards and compare your options.

Frequently asked questions

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