Review of Gap Visa Card

Gap Visa Card

The Gap Visa Card is a rewarding store credit card that can be used at affiliated Gap brands including Banana Republic, Old Navy, Piperlime, and Athleta. The same can also be used at various stores and outlets wherever Visa cards are accepted. It is one of the most accepted and widely used cards with a wide array of benefits and rewards for cardholders.

To get a better understanding of the terms, fee structure and reward structure of the card, you can get through the complete review of Gap Visa Card.

 Terms & Fees

  • Annual Fee: $0
  • Purchase APR: 99% Variable
  • Cash Advance APR: 99% Variable
  • Cash Advance Fee: 4%, $10 Minimum
  • Foreign Transaction Fee: 3%
  • Balance APR: 26.49% Variable
  • Late Fee: Up to $38

Quick Facts

  • A direct 15% discount on your first purchase using the Gap card
  • For cardmembers with silver status, an additional reward of 20% every quarter
  • Free shipping on purchase order of more than $50
  • 10% discount on Tuesdays, both in-store and online
  • Opportunity to select your own desired day for sale
  • Card infused with the latest EMV chip technology
  • 20% discount on the first purchase made within three months of account opening
  • Earn 500 points for registering your email address
  • Earn 500 points for enrolling paperless billing
  • No restrictions on the points you earn
  • Earn 3000 points on your first purchase at any visa outlet other than Gap and its affiliated brands

Earning the Rewards

 The earning of rewards using the card goes as follow:

  • 5 points for every $1 spent using the Gap Visa Card at Gap and affiliated brand stores, both online and offline
  • 1 point for every $1 spent on all other purchases using the card
  • Earn a reward of $5 on reaching a threshold of 500 points

Redeeming the Rewards

Redeeming the rewards is simple and straightforward but has certain restrictions

  • For every 500 points collected, a reward card is automatically issued in an increment of $5
  • You can redeem up to $250 per billing cycle
  • You can use a maximum of 3 reward cards for a single in-store purchase
  • You can use a maximum of 5 reward cards for a single online purchase
  • You can club the reward cards with other deals, discounts, and sale purchases

Benefits to Cardholders


Cardholders tend to enjoy a broad spectrum of benefits using the Gap Visa Card. Some of the most enticing benefits include:

  • Cardholders get advance notification of sale and exclusive deals
  • A special birthday discount is available for all the cardholders
  • An additional 10% discount available at all Gap and Piperlime stores every Tuesday
  • On an annual expenditure of $800 cardholder gets to enjoy an upgrade to the silver status that further give benefits like free shipping, free basic alterations, access to exclusive deals, and a unique customer service communication line.


If you are a regular buyer at the entire line of stores, only then purchasing a Gap Visa card is a beneficial option. As a card member, you tend to enjoy various benefits and discounts on your purchases. However, if these stores are not your daily stores, then a regular credit card with attractive reward programs works best for you. GAp visa card interest rates are very high if you fail to pay the debts and revolve the payment to the next billing cycle.