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Gap Inc. Visa Card

Gap Inc. Visa Card


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2.0/5.0 from 1 Offer Rating
Over the Past 60 Days!

(1) Over the Past 60 Days!

  • APR 25.24%
  • Cash Advance APR 27.24%
  • Late Payment Fee Up to $37
  • Cash Advance Fee Either $10 or 4% of the amount of each cash advance, whichever is greater
  • Foreign Exchange Fee 3%
  • Minimum Interest Charge $1.50


  • Click "APPLY NOW" to apply online
  • 10% Tuesdays at Gap and Gap Factory stores, and online at and
  • Special birthday savings
  • Access to special events with exclusive discounts
  • Fraud-preventing chip and signature for peace of mind when used at a chip-enabled terminal
  • Zero fraud liability and no annual fee
  • Worldwide Visa acceptance 

Expert Reviews

From the Editorial Team

Gap Visa offers robust rewards for those who frequently shop at Gap. The advantage of the Gap Visa Card is that you'll earn rewards outside of the Gap brands on everyday purchases such as dining, groceries and gas. 

Expert Reviews of the Gap Inc. Visa Card

  • 1.0

    Regular APR

  • 0.0

    Intro APR

  • 2.0


  • 3.0


  • star rating 2.0/5

    Overall Rating

The Bottom Line

You can enjoy benefits with the Gap Visa Card such as earning 1 point for every 1 dollar spent, but the fees and rates are rather steep.

The Good

You can save 15% on your first purchase at Gap using the card. You also earn 5 rewards points for every dollar spent at Gap stores and 1 point for every dollar spent, everywhere else. The rewards points can be applied toward discounts on future Gap purchases. Card members also receive special members-only offers and promotions, free shipping, and 20% annual bonus points.

The Not So Good

The purchase APR is 25.24% and the cash advance APR is 27.24%. There is also a surcharge of 10 or 4% of the amount of each cash advance, whichever is greater, and there is a 3% foreign transaction fee.

Disclaimer: This content is not provided by the card issuer. Any opinions, analyses, reviews or recommendations on this page have not been reviewed, approved or otherwise endorsed by the card issuer. Terms, offers, conditions and rates were correct at the time of writing but may have changed since and not been updated on this page. For up-to-date terms, offers, rates and conditions, please see the issuer’s site.

Consumer Reviews

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