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 in the U.S., Puerto Rico, and Canada, and at gap.com, oldnavy.com, bananarepublic.com, and athleta.com. | No Cap | |
| All Other Purchases | 1x | Points | Purchases made everywhere else Visa credit cards are accepted. | No Cap |
Rewards Summary
PENDINGReward Type: Points
Base Rate: 1x
Bonus Rate: 5x
Categories: 5x at Gap Inc. brands (Gap, Old Navy, Banana Republic, Athleta)
Quarterly Rotating: No
Expiration Policy: Points convert to Reward Certificates once 500 points are earned. Reward Certificates expire 90 days from issuance.
Point Value: 0.01¢
Travel Portal Multiplier: 1x
Redemption Penalties: Reward Certificates expire 90 days from issuance. Certificates may have minimum purchase requirements or exclusions (e.g., gift cards).
Benefits & Protections (Detailed) 16 Total
PENDINGCustomer Service 3
Dedicated Cardmember Customer Service Line (Starter Tier)
Dedicated supportAccess to a dedicated customer service line for Starter tier cardmembers.
Dedicated Enthusiast Tier Customer Service Line
Dedicated supportAccess to a dedicated customer service line specifically for Enthusiast tier members (500-999 points annually).
Dedicated Icon Tier Customer Service Line
Dedicated supportAccess to a dedicated customer service line specifically for Icon tier members (1000+ points annually).
Lifestyle 3
Birthday Bonus Points (Starter Tier)
500 bonus pointsReceive 500 bonus points during your birthday month as a Starter tier member.
Enthusiast Tier Birthday Bonus Points
25% extra points on birthdayEnthusiast tier members (500-999 points annually) receive 25% extra points on their birthday, in addition to the standard birthday bonus.
Icon Tier Birthday Bonus Points
50% extra points on birthdayIcon tier members (1000+ points annually) receive 50% extra points on their birthday, in addition to the standard birthday bonus.
Rewards 3
Accelerated Points Earning at Gap Inc. Brands
5 points per $1Earn 5 points for every $1 spent at Gap, Old Navy, Banana Republic, and Athleta when using your Gap Inc. Visa Credit Card.
Points Earning on All Other Purchases
1 point per $1Earn 1 point for every $1 spent everywhere else Visa is accepted with your Gap Inc. Visa Credit Card.
Reward Redemption
$1 reward per 100 pointsReceive a $1 reward for every 100 points earned.
Shopping 7
Bonus Points Days
Extra points on select daysOpportunity to earn extra points on select days throughout the year.
Exclusive Cardmember Offers
Special discounts and promotionsAccess to special discounts and promotions available only to cardmembers.
Free 3-5 Day Shipping (Starter & Enthusiast Tiers)
Free 3-5 day shipping on $50+ ordersReceive free 3-5 day shipping on online orders of $50 or more at Gap Inc. brands when using your Gap Inc. Visa Credit Card, applicable to Starter and Enthusiast tier members.
Early Access to Sales
Early accessGet early access to sales and promotions before the general public.
Choose Your Own Sale Day (Enthusiast Tier)
15% off one day per yearEnthusiast tier members (500-999 points annually) can choose one day per year to receive 15% off their purchase at Gap Inc. brands.
Free Basic Alterations at Banana Republic (Enthusiast Tier)
Free basic alterationsEnthusiast tier members (500-999 points annually) receive free basic alterations on Banana Republic merchandise.
Unlimited Free 2-3 Day Shipping (Icon Tier)
Unlimited free 2-3 day shipping on $50+ ordersIcon tier members (1000+ points annually) receive unlimited free 2-3 day shipping on online orders of $50 or more at Gap Inc. brands when using their Gap Inc. Visa Credit Card.
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: | 29.99% |
| 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 balance 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% - 31.99%
Balance Transfer APR: 31.99%
Cash Advance APR: 32.99%
Intro APR Offers
Approval Criteria & Requirements
PENDINGCredit Score Requirements
Application Process
Issuer Rules & Policies
PENDINGRules: Eligibility Requirements (2026): Applicants must be 18 years or older, a U.S. resident, possess a valid Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN), and meet BreadFinance's creditworthiness criteria (typically good to excellent credit for the Visa version, e.g., FICO 670+). Application is subject to BreadFinance's underwriting standards. Bonus Rules (Extrapolated for 2026): Initial offers often include a percentage discount (e.g., 20% off) on the first purchase made within a specific timeframe (e.g., 14-30 days) after account opening. Ongoing rewards typically include earning 5 points per $1 spent at Gap Inc. brands (Gap, Old Navy, Banana Republic, Athleta, Hill City, Janie and Jack) and 1 point per $1 spent everywhere else Visa is accepted. Points convert to reward certificates (e.g., $5 for every 500 points) redeemable at Gap Inc. stores. Higher spending may unlock elite status (e.g., Navyist Rewards) offering additional benefits.
Max Cards Per Issuer: 3
Min Spend Interval: For initial sign-up bonuses (e.g., percentage off first purchase), the interval is typically immediate or within 30 days. For ongoing rewards, there is no minimum spend interval. If a specific spend-based bonus were introduced, a typical interval would be 3 months.
Cliff Effect Rules: Points earned across all Gap Inc. co-branded cards (Gap, Old Navy, Banana Republic, Athleta Visa or store cards) issued by BreadFinance are typically pooled into a single rewards account. While having one card doesn't usually prevent opening another, specific sign-up bonuses might be limited to new customers for that specific card product, or a customer might only be eligible for one 'Gap Visa' type card at a time. Elite status (e.g., Navyist Rewards) is generally tied to the overall spending across all Gap Inc. cards.
Special Events: Exclusive cardholder discounts (e.g., 10-20% off specific purchases), early access to sales, bonus points days (e.g., 10x points on certain categories or days), birthday rewards, free shipping offers for elite tiers, and special financing promotions.
Holiday Promos: Black Friday, Cyber Monday, Friends & Family sales, seasonal promotions (e.g., Back-to-School, Spring/Summer collections, Winter Holidays), and specific flash sales announced throughout the year.
International Friendly: No
User Analytics & Insights
PENDINGUser Ratings
Average Rating: 3.2 / 5.0
Top Positive:
Strong rewards for frequent shoppers at Gap Inc. brands (Gap, Old Navy, Banana Republic, Athleta), relatively easy approval for some, occasional exclusive discounts and early access to sales.
Top Negative:
Poor customer service from Comenity Bank, high APR, low initial credit limits, rewards are brand-specific and can be difficult to redeem, general-purpose rewards are low (1x point per dollar).
Approval Experience: 70.0 / 100
Recommended Alternatives
- Old Navy Visa Credit Card
- Citi Double Cash Card
- Amazon Prime Rewards Visa Signature Card
Card Value Score: 65.0 / 100
Est. Annual Rewards: $200.00
Approval Probability: 75.0%
Version Control
PENDINGVersion ID: February 2024