16
Benefits2
Reward Categories5x
Max Reward30%
APR FromBasic Information
PENDINGRewards Program (Detailed) 2 Categories
PENDING| Category | Rate | Type | Description | Annual Cap | Status |
|---|---|---|---|---|---|
| Gap Inc. Brands | 5x | Points | Purchases made at Gap, Old Navy, Banana Republic, and Athleta stores or online with your Gap Good Rewards Credit Card or Gap Good Rewards Mastercard. | No Cap | |
| All Other Purchases | 1x | Points | All other purchases made everywhere Mastercard is accepted (excluding Gap, Old Navy, Banana Republic, and Athleta) with your Gap Good Rewards Mastercard. | No Cap |
Rewards Summary
PENDINGReward Type: Points
Base Rate: 1x
Bonus Rate: 5x
Categories: 5x at Gap, Old Navy, Banana Republic, and Athleta
Quarterly Rotating: No
Expiration Policy: Points expire 24 months after they are earned.
Point Value: 0.01¢
Travel Portal Multiplier: 1x
Redemption Penalties: GapCash rewards are issued in $5 increments for every 500 points earned. GapCash has a limited redemption window (typically 45 days from issuance) and may require a minimum purchase to redeem. Cannot be used on gift cards, shipping, or certain promotional items.
Benefits & Protections (Detailed) 16 Total
PENDINGCustomer Service 1
Dedicated Customer Service Line (Icon Status)
Dedicated customer service lineIcon status members have access to a dedicated customer service line for priority support.
Financial 1
No Annual Fee
No annual feeThe Gap Good Rewards Credit Card and Gap Good Rewards Visa Card have no annual fee.
Lifestyle 2
Birthday Gift
Annual birthday giftReceive a special gift during your birthday month as a Gap Good Rewards cardmember.
Choose Your Own Sale Day (Icon Status)
Choose own sale dayIcon status members can choose their own day to receive a special discount or offer.
Shopping 8
Gap Inc. Brand Point Earning
5 points per $1Earn 5 points for every $1 spent at Gap, Old Navy, Banana Republic, and Athleta when using your Gap Good Rewards Credit Card or Gap Good Rewards Visa Card.
Everywhere Point Earning (Visa Card)
1 point per $1Earn 1 point for every $1 spent everywhere Visa credit cards are accepted, outside of Gap Inc. brands, when using your Gap Good Rewards Visa Card.
Exclusive Cardmember Offers
Exclusive offersAccess to special offers available only to Gap Good Rewards Credit Cardmembers.
Bonus Points Events
Bonus pointsOpportunities to earn additional bonus points during special promotional events for cardmembers.
Free Standard Shipping (Enthusiast Status)
Free 3-5 day shipping on $50+ ordersReceive free 3-5 day shipping on all online orders of $50 or more at Gap, Old Navy, Banana Republic, and Athleta when using your Gap Good Rewards Credit Card and holding Enthusiast status.
Free Expedited Shipping (Icon Status)
Free 2-3 day shipping on $50+ ordersReceive free 2-3 day shipping on all online orders of $50 or more at Gap, Old Navy, Banana Republic, and Athleta when using your Gap Good Rewards Visa Card and holding Icon status.
Free Basic Alterations on Banana Republic Purchases
Free basic alterationsReceive free basic alterations on Banana Republic purchases as a Gap Good Rewards cardmember with Enthusiast or Icon status.
Early Access to Sales
Early access to salesGet early access to sales events as a Gap Good Rewards cardmember with Enthusiast or Icon status.
Status Benefits 4
Automatic Enthusiast Status Upgrade
Enthusiast statusAutomatically achieve Enthusiast status in the Gap Good Rewards program upon opening and using your Gap Good Rewards Credit Card.
Automatic Icon Status Upgrade
Icon statusAutomatically achieve Icon status in the Gap Good Rewards program upon opening and using your Gap Good Rewards Visa Card.
Enthusiast Status Bonus Points
25% bonus pointsEarn an additional 25% bonus points on all eligible purchases as an Enthusiast status member.
Icon Status Bonus Points
50% bonus pointsEarn an additional 50% bonus points on all eligible purchases as an Icon status member.
Benefits Summary (Flags)
PENDINGExtended Warranty
Purchase Protection
Cell Phone Protection
Travel Insurance
Primary Rental Protection
Airport Lounge Access
Trip Delay Coverage
Lost Luggage Coverage
Price Protection
Concierge Service
No Foreign Fees
ShopRunner
Sign-Up Bonus
No Sign-Up Bonus Available
Click "Get Data" button below to fetch sign-up bonus information.
Fee Structure
PENDING| Annual Fee: | $0.00 |
| Year 1 Waived: | No |
| Effective Annual Fee: | $0.00 |
| Penalty APR: | 0.00% |
| Min Interest Charge: | $2.00 |
Additional Fees
PENDING| Late Fee: | $41.00 |
| Returned Payment: | $41.00 |
| Balance Transfer: | Either $10 or 5% of the amount of each transfer, whichever is greater. |
| Cash Advance: | Either $10 or 5% of the amount of each cash advance, whichever is greater. |
| Foreign Transaction: | 0.00% |
Interest Rates & APR
PENDINGStandard APR
Purchase APR: 29.99% - 29.99%
Balance Transfer APR: 29.99%
Cash Advance APR: 29.99%
Intro APR Offers
Promo Financing: Deferred Interest
Promo Duration: 12 months
Approval Criteria & Requirements
PENDINGCredit Score Requirements
Application Process
Issuer Rules & Policies
PENDINGRules: The Gap Credit Card, issued by Synchrony, is primarily designed for use within the Gap Inc. family of brands (Gap, Old Navy, Banana Republic, Athleta). Eligibility requirements for 2026 include being at least 18 years of age, possessing a valid US Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN), having a valid US mailing address, and meeting Synchrony's creditworthiness criteria. Application can be completed online or in-store, often with an instant decision. The typical sign-up bonus is a percentage discount (e.g., 20% off) on the first purchase made on the day of account opening. Ongoing rewards usually involve earning points per dollar spent at Gap Inc. brands, which can be redeemed for discounts. Store-specific restrictions apply, meaning the card's primary value and rewards are maximized within the Gap Inc. retail environment.
Max Cards Per Issuer: 5
Min Spend Interval: Immediate for first purchase discount; N/A for traditional spend-based bonus
Cliff Effect Rules: There are no strict 'cliff effect' rules similar to premium travel card families. However, Synchrony evaluates a cardholder's total credit exposure across all Synchrony-issued cards, including other Gap Inc. branded cards (e.g., Old Navy, Banana Republic, Athleta). A high number of Synchrony accounts or a very high cumulative credit limit can impact approval for new cards or credit limit increases.
Special Events: Frequent cardholder-exclusive sales events (e.g., 'Friends & Family' discounts, extra percentage off promotions), double/triple points days, birthday rewards, early access to new collections or sales, and exclusive in-store events.
Holiday Promos: Major retail holidays such as Black Friday, Cyber Monday, Christmas/Holiday season, Memorial Day, Labor Day, Back-to-School, and various seasonal clearance events are typically accompanied by enhanced cardholder promotions and bonus earning opportunities.
International Friendly: No
User Analytics & Insights
PENDINGUser Ratings
Average Rating: 3.0 / 5.0
Top Positive:
Good discounts and rewards when shopping at Gap Inc. brands (Gap, Old Navy, Banana Republic, Athleta); exclusive cardholder offers and early access to sales; relatively easy to get approved for the store card.
Top Negative:
High APR; poor customer service from Synchrony Bank; rewards are only valuable if you frequently shop at Gap Inc. brands; limited benefits compared to general-purpose rewards cards.
Approval Experience: 75.0 / 100
Recommended Alternatives
- Old Navy Credit Card
- Target RedCard
- Capital One QuicksilverOne Cash Rewards Credit Card
Card Value Score: 60.0 / 100
Est. Annual Rewards: $150.00
Approval Probability: 85.0%
Version Control
PENDINGVersion ID: v1.0