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Gap Visa Credit Card Review

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Just like the GapCard, you earn a $10 reward for every 1,000 point you earn on the Gap Visa. You earn 5 points for every $1 you spend on purchase from Gap and affiliates and 1 point per $1 on all other Visa purchases.

Gap Visa Credit Card Overview

The Gap Visa is For: People who frequently shop at Gap, Old Navy, Banana Republic, Piperlime or Athleta

Credit Rating Required: Good to Excellent

  • Earn rewards on all your purchases and extra on GAP purchases
  • 10% on Gap purchases every Tuesday
  • High APR
  • Rewards can only be used at Gap or affiliate stores

Pricing Details

  • Purchases and Balance Transfer APR: 23.99% variable based on Prime Rate
  • Cash Advance APR: 25.99%
  • Annual Fee: None
  • Balance Transfer Fee: $5 or 3% whichever is greater
  • Cash Advance Fee: $10 or 5% whichever is greater
  • Foreign Transaction Fee: 3%
  • Grace Period: 23 days

Gap Visa Review

The Gap Visa credit card lets you earn $10 for every 1,000 points you accumulate. You earn 5 points for every dollar you spend at Gap and its sister stores and 1 point per dollar on all other purchases. Even though this is a Visa and you can use the card anywhere Visa is accepted, you can only redeem your rewards at Gap or affiliate stores.

The Gap Visa is very much like the limited-purpose GapCard, except that you can make purchases in more places and you can take out cash advances and transfer balances to the card. Other than the rewards program there isn’t much that makes this credit card attractive.

Furthermore, you don’t get to choose whether to apply for the Gap Visa or the GapCard. Instead, the bank first tries to qualify you for the Gap Visa and then for the GapCard. You’ll need a good credit history to be approved for the Gap Visa even though the offer isn’t that great.

Like the GapCard, your account can be upgraded to Silver status once you make $800 in Gap purchases in a calendar year. Benefits of Silver status include free shipping on purchases, 15% discount on a day that you choose, triple points on select days, and free basic alterations on Banana Republic purchases. You’ll have to continue spending $800 each calendar year to maintain Silver status.


Even if you really love Gap clothing, this card isn’t that great of a deal. The 23.99% APR is much higher than average, so you’d want to pay your balance in full on this card.

If you qualify, the Discover it would be a better deal since you can earn up to 10% cashback on Gap, Old Navy, and Banana Republic purchases when you make the purchase through ShopDiscover. A $10 cash reward is a lot more flexible than a $10 coupon towards a Gap purchase.

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Last reviewed December 7, 2011. Credit card terms and sign-up bonuses are subject to change from the time of this review.

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