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Gap Visa Credit Card Review – Get Discounts Shopping



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gap visa credit cardI’m a frequent shopper at Gap and I am always looking for ways to earn rewards and save money when I shop. The Gap Visa Card allows me to do both.

Gap offers promotions throughout the year available only to Gap Visa cardholders, and also provides other rich rewards and benefits.

To save money with this card, however, cardholders must pay off their balance in full every month, because the card has a hefty annual percentage rate (APR).

Key Features

  • 20% Off Sign-up Bonus. After getting approved for the Gap Visa card, you get 20% off your first purchase.
  • Earn Reward Cards. All purchases made using your Gap Visa Card earn points. For every $1 spent at Gap-owned stores, you earn five points. For other purchases, you earn 1 point per $1 charged to the card. You cannot combine the $10 reward card with other discounts, but you can use the reward card to purchase sale items.
  • Use the Card at All Gap-Owned Stores. Use your Gap Visa to earn five rewards points for every $1 charged at any Gap-owned store, including Athleta, Banana Republic, Gap, Old Navy, Piperlime, and Gap-owned websites, factory stores, and outlet stores.
  • Get 10% Off Every Tuesday. You receive 10% off of your purchases at any of the Gap-owned stores every Tuesday when you shop with your Gap Visa. You cannot use the discount for gift card purchases, however.
  • Interest Rate. The variable APR rate on purchases is 23.99%. The variable APR rate on cash advances is 25.99%. This rate varies with the market based on the Prime Rate.


  1. Opportunity to Earn Bonus Points. Gap offers many different ways to earn bonus rewards points, including 500 bonus points for signing up for paperless statements, and 1,500 bonus points for signing up for e-mail or voice message updates.
  2. Unlimited Reward Cards. You can earn unlimited $10 reward cards in a calendar year. The Gap does not issue more than $120 worth of reward cards during one billing period, however. If you earn more than $120 in rewards during one billing cycle, the Gap applies the additional funds to a rewards certificate in a future billing period.
  3. Automatic Upgrade to Gap Silver. If you charge more than $800 to your Gap Visa in a calendar year at Gap-owned stores and websites, the Gap automatically upgrades you to a Gap Silver Card. As a Silver Card member, you earn even more perks, including free shipping on all Gap purchases, 15% off your purchase once a year, free basic alterations, triple point offers, and an exclusive toll-free priority line for Gap Silver members.
  4. No Annual Fee. Many cards have annual fees of $40 to $60 or more. The Gap Visa has no annual fee, providing an important savings to customers.


  1. High APR. The exorbitant variable 23.99% APR rate on purchases confounds savvy shoppers. Cardholders could instead get a credit card with a lower interest rate to earn rewards while enjoying an introductory APR, and a lower standard interest rate.
  2. Reward Card Points Expire. If you have not earned 1,000 points in 24 months, your reward card points expire.
  3. Foreign Transaction Fees. The Gap Visa levies a 3% foreign transaction fee for purchases made outside of the U.S. You will pay $3 for the privilege of spending $100 on one purchase while traveling internationally. These fees add up quickly during an international vacation. Many credit cards offer lower foreign transaction fees or have eliminated these fees altogether.
  4. Restrictions on Reward Cards. You cannot use more than one reward card for a transaction. This may force you to separate your transaction into several smaller transactions to maximize your savings.
  5. $800 Minimum to Maintain Gap Silver Card Status. If you charge less than $800 to this card in a calendar year at Gap-owned stores and websites, Gap automatically downgrades your account to a regular Gap Card.
  6. Limited Savings. The 10% savings on Tuesdays doesn’t mitigate the high interest rates for this card. The Gap and its affiliates have sales all the time; you can find the best deals on the clearance racks, and use a credit card with a lower interest rate to pay for your purchases.

Final Word

If you enjoy shopping at Gap and can pay off your credit card each month, the Gap Visa Card can provide you with additional savings on your favorite clothing. The 10% discount on Tuesdays and the reward cards can offer a nice savings to consumers.

However, if you don’t always pay your credit card off each month, you have to pay a high APR. Many other rewards credit cards offer a much better standard interest rate. Paying the 23.99% interest rate on a balance negates the 10% savings and the reward cards.

Do you have a Gap Visa Card? How are you taking advantage of the benefits of the card?

Melissa Batai
Melissa is a former college instructor who recently quit her job to be a stay home mom with her three children ages 7, 2 and 1. She is a personal finance writer for several online publications, and she blogs at her own blog, Mom's Plans, where she documents her family's journey to live a fulfilling life on less and Dining Out Challenge, where the motto is, "Never pay full price to dine out again." She enjoys cooking, writing, reading, and watching movies.

Comments Disclosure: The below responses are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser's responsibility to ensure all posts and/or questions are answered.

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