Gap Visa Credit Card
Basic Information
Program ID: gap-visa-credit-card
Issuer: BreadFinance
Card Type: Credit
Network: Visa
Card Tier: Standard
Data Complete: Yes
Created: 01/10/2026 10:22
Last Scraped: 01/15/2026 10:59
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: 2,999.00% - 3,074.00%
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: 3,174.00%
Sign-Up Bonus
Bonus Amount: $100.00
Spending Requirement: $1,000.00
Time Period: 90 days
Bonus Timing: Bonus rewards typically post to your account within 1-2 billing cycles after the spending requirement is met.
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 do not expire as long as account is active and in good standing. Reward certificates issued from points may have an expiration date.
Transfer Partners: None
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 - 850
Approval Odds Category: Good
Pre-qualification Available
Soft Pull Supported
Hard Pull Bureau: Experian, TransUnion, Equifax
Issuer Rules
Rules: Eligibility for the Gap Visa Credit Card (2026) requires applicants to be a U.S. resident, at least 18 years of age, possess a valid Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN), and demonstrate a fair to good credit history (typically FICO score 640+) with a stable income. New cardholders are generally offered a first-purchase discount (e.g., 20% off) and earn 5x points on purchases at Gap Inc. brands (Gap, Old Navy, Banana Republic, Athleta) and 1x point on all other purchases where Visa is accepted. Points are redeemable across Gap Inc. brands.
Maximum Cards Per Issuer: 1
Minimum Spend Interval: 90 days
Shutdown Risk Triggers: Manufactured spending, excessive credit-seeking (especially with BreadFinance/Comenity), high cumulative credit limit across BreadFinance accounts, non-payment or late payments, suspected fraudulent activity, excessive returns, defaulting on other BreadFinance-issued accounts, or rapid account opening/closing behavior.
International Friendly
User Analytics & Insights
User Ratings
Average Rating: 3.6 / 5.0
Top Positive Feedback:
Excellent rewards for frequent Gap Inc. shoppers, relatively easy approval for fair credit, and exclusive discounts.
Top Negative Feedback:
Poor customer service from Comenity Bank, high APR, confusing reward redemption, and limited value for non-Gap Inc. shoppers.
Approval Experience Score: 65.0 / 100
Recommended Alternatives
- Old Navy Visa Card
- Amazon Prime Rewards Visa Signature Card
- Capital One Platinum Credit Card
Card Value Score: 60.0 / 100
Est. Annual Rewards: $140.00
User Portfolio Metrics
Avg Portfolio Size: 3 cards
Avg Portfolio Age: 48 months
Store vs Co-brand: 40% General / 60% Store
Risk Assessment
Default Risk Group: Medium
Predicted Approval Probability: 75.0%
Terms Version Control
Version ID: October 2023