Review of Gap Store Card

Gap Store Card

Gap Store Card is an exclusive retail store card which you can have as a secondary card if you shop from the Gap store and its associated brands frequently. The card is available with $0 annual fees with easy accessibility to a complete range of fantastic family clothing options.

The associated brands of GAP where this card will be applicable include:

• Old Navy
• Banana Republic
• Athleta
• Piperlime

Terms & Fees

• Annual Fee: $0
• Purchase APR: 24.99%
• Cash Advance APR: 26.99%
• Foreign Transaction Fee: 3%
• Balance APR: 24.99%
• Late Fee: Up to $38
• Return Payment Fee: Up to $38

Quick Facts

• You will get a 10% discount on Tuesdays at all the GAP stores
• If you manage to earn 5,000 reward points in a calendar year, then you will be promoted to the Gap Silver Status and after that enjoy benefits like free shipping on your online orders and earning 20% rewards points in the card quarterly among others
• When registering your email address, 500 bonus points are added to your card and an additional 500 reward points will be added if you will sign up for paperless billing statements
• Since this is a Visa co-branded credit card, you can use it at every place where Visa cards are accepted

Earning the Rewards

• You will be eligible for a sign-up bonus on 15% off on your first purchase from GAP using this card along with the free shipping, in case you buy online
• You will earn five bonus points for every dollar that you will spend at all the associated stores of GAP, for both in-store and online purchases
• You will get one bonus point for every dollar that you will spend on making other purchases where Visa card is accepted
• For every 500 points earned, you get $5

Redeeming the Rewards

• At the end of each billing cycle, your rewards are added to the card at the end of each billing cycle, and you can redeem the rewards points at any of the stores owned by Gap family stores
• There is no maximum limit to the number of award points that you can earn in one go, but you can only redeem up to $250 worth of your points in one billing cycle
• The rewards issues with each purchase have an expiration date, so you will have to keep checking your card statement to know when your points are expiring to use them within the time limit
• If you are shopping online, then you can redeem up to 5 rewards at once as opposed to the limit of redeeming three rewards in a single billing cycle while buying in the stores
• You can use these rewards for the purchase of sale items also and can combine them with at most one promotional offer at a time to maximize your benefits
• You will also have to be watchful of the fact that you can redeem a reward amount only if it is lower than the billing amount
• If you are using the reward points, then you must pay the full residual amount with the Gap credit card only
• Rewards are non-transferrable. Hence, only the reward card owner can redeem them, and you cannot pass them to any other individual

Benefits to Cardholders

• You will get an advance notification for all the sales and will be eligible to available the cardholder only exclusive deals from time to time
• A special birthday discount is offered to every cardholder every year
• There is a 10% discount for all cardholders on every Tuesday at Gap,, Gap Factory,
• On achieving the Gap Silver status, you will get benefits like free shipping, exclusive toll-free customer service connectivity, access to special events like Triple Points Days and free alterations at the Banana Republic


With an easy subscription policy, if you have a decent credit score, the 10% Tuesday discounts make this card better than all the other brand credit cards in the market. You can consider it if you are a frequent buyer at the Gap and associated stores or you prefer buying from them whenever you go shopping.