Gap Visa® Credit Card
Basic Information
Program ID: gap-credit-card
Issuer: Synchrony
Card Type: Credit
Network: Visa
Card Tier: Standard
Data Complete: Yes
Created: 01/10/2026 08:20
Last Scraped: 01/15/2026 08:39
Fee Structure
| Annual Fee: | $0.00 |
| Year 1 Waived: | No |
| Effective Annual Fee: | $0.00 |
| Authorized User Fee: | $0.00 |
| Penalty APR: | 30.00% |
Additional Fees
| Late Fee: | $40.00 |
| Returned Payment: | $40.00 |
| Balance Transfer: | N/A |
| Cash Advance: | Either $10 or 5% of the amount of each cash advance, whichever is greater |
| Foreign Transaction: | 0.00% |
Interest Rates
Purchase APR Range: 2,124.00% - 2,924.00%
Intro Purchase APR: 0.00%
Intro APR Duration: 0 months
Balance Transfer APR: 0.00%
Intro BT APR: 0.00%
Intro BT Duration: 0 months
Cash Advance APR: 2,999.00%
Sign-Up Bonus
Bonus Amount: $0.00
Spending Requirement: $0.00
Time Period: 0 days
Bonus Timing: Discount applied instantly at checkout for the first purchase after card approval.
Rewards Program
Reward Type: Points
Base Reward Rate: 1.00%
Bonus Reward Rate: 5.00%
Bonus Categories: 5x Gap Inc. Brands (Gap, Old Navy, Banana Republic, Athleta)
Point Value Estimate: 0.0100 cents/point
Expiration Policy: Points expire 24 months after earning if not redeemed. Reward certificates expire 90 days after issuance.
Transfer Partners: N/A
Card Benefits
Protection Benefits
- Extended Warranty
- Purchase Protection
- Cell Phone Protection
- Price Protection
Travel Benefits
- Travel Insurance
- Primary Rental Protection
- Trip Delay Coverage
- Lost Luggage Coverage
- No Foreign Transaction Fees
Premium Benefits
- Airport Lounge Access
- Concierge Service
- Global Entry Credit: $0.00
- TSA PreCheck Credit: $0.00
Approval Criteria
Recommended FICO Range: 670 - 740
Approval Odds Category: Good
Pre-qualification Available
Soft Pull Supported
Hard Pull Bureau: Experian, TransUnion, Equifax
Issuer Rules
Rules: The Gap Credit Card, issued by Synchrony, is a store-specific card primarily for use at Gap Inc. brands (Gap, Old Navy, Banana Republic, Athleta). Eligibility requirements for 2026 include being 18 years or older (19 in AL/NE), possessing a valid Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN), having a verifiable income, and demonstrating a fair-to-good credit history. New cardholders typically receive an initial bonus, such as a 20-25% discount on their first purchase made on the day of account opening. Ongoing rewards usually accrue at 5 points per dollar spent at Gap Inc. brands, redeemable for rewards certificates. Higher tiers (e.g., Gap Silver/Navyist) are achieved through annual spending thresholds and offer additional perks like free shipping, birthday bonuses, and early access to sales.
Maximum Cards Per Issuer: 7
Minimum Spend Interval: 3 months
Shutdown Risk Triggers: High cumulative credit limit across multiple Synchrony accounts, excessive returns or unusual spending patterns inconsistent with typical retail use, late payments or defaults on any Synchrony account, high application velocity (opening too many Synchrony cards in a short period), or suspected fraudulent activity.
International Friendly
User Analytics & Insights
User Ratings
Average Rating: 3.5 / 5.0
Top Positive Feedback:
Excellent for frequent Gap Inc. shoppers due to high rewards rates and exclusive discounts. Initial sign-up bonus is attractive, and the card offers good value if you primarily shop at Gap, Old Navy, Banana Republic, or Athleta.
Top Negative Feedback:
High APR makes carrying a balance costly. Customer service from Synchrony Bank is frequently criticized. Rewards are less valuable for general spending, and the card's benefits are highly specific to Gap Inc. brands.
Approval Experience Score: 80.0 / 100
Recommended Alternatives
- Old Navy Credit Card
- Amazon Prime Rewards Visa Signature Card
- Capital One SavorOne Cash Rewards Credit Card
Card Value Score: 70.0 / 100
Est. Annual Rewards: $300.00
User Portfolio Metrics
Avg Portfolio Size: 3 cards
Avg Portfolio Age: 48 months
Store vs Co-brand: 50% General / 50% Store
Risk Assessment
Default Risk Group: Medium
Predicted Approval Probability: 75.0%
Terms Version Control
Version ID: v1.0