Gap Visa® Credit Card

Gap Visa® Credit Card

Gap Visa® Credit Card

Gap Visa® Credit Card

Gap Visa® Credit Card

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Card details

  • Earn 5 points for every $1 spent at Gap Inc. brands in-store and online

  • Earn 1 point for every $1 spent everywhere Visa is accepted

  • $5 Reward for ever 500 points you earn

  • No annual fee

Rates, fees & offers

  • Annual fee

    $0

  • Rewards rate

    1x-5x

  • Bonus offer

    N/A

  • Intro APR

    N/A

  • Ongoing APR

    APR: 25.99% Variable

    Cash Advance APR: 26.99%, Variable

  • Foreign transaction fee

    3% of each transaction.

Recommended credit score

Compare to other cards

NerdWallet rating 
NerdWallet rating 
NerdWallet rating 
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Annual fee

$0

Annual fee

$99

Annual fee

$199

Regular APR

25.99% Variable

Rates & Fees

Regular APR

16.24%, 20.24% or 25.24%, Variable APR

Rates & Fees

Regular APR

See Terms

Intro APR

N/A

Intro APR

0% intro APR for 15 months on balance transfers made within 45 days of account opening.

Intro APR

N/A

Recommended Credit Score
Recommended Credit Score
Recommended Credit Score

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NerdWallet review

By Robin Saks Frankel

Many or all of the products featured here are from our partners who compensate us. This may influence which products we write about and where and how the product appears on a page. However, this does not influence our evaluations. Our opinions are our own. Here is a list of our partners and here's how we make money.

Rating details

3.4

Editor's overall rating

Pros and cons

Pros
  • No annual fee

  • New cardholder bonus offer

  • Qualify with average credit

  • High rewards rate

Cons
  • High APR

  • Complicated redemptions

The Gap Visa® Credit Card, issued by Synchrony, can be used anywhere that accepts Visa, although the best value comes from using it at Gap stores, whether in person or online.

The $0-annual-fee card earns elevated rewards at Gap and other retailers under the Gap umbrella, but those rewards can be used only within those Gap Inc. brand stores.