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Make payments and manage your
Gap Credit Card account
Save 20% & Enjoy
Free Shipping
on your first purchase
when you open a Gap Credit Card*
Save 20% and
Enjoy Free Shipping
on your first purchase
when you open a Gap Credit Card*
*Details below.
Earn 5 Points for
Every $1 Spent
in-store or online at Gap Inc. brands
with your Gap Credit Card*
Earn 5 Points for
Every Dollar Spent
in-store or online at Gap Inc. brands
with your Gap Credit Card*
Reap the Rewards
Earn points when you make a purchase using your Gap Credit
Card at Gap
Inc. brands, in-store and online. Then, redeem
your Rewards at any Gap Inc. brand.*
Earn points when you make a purchase using
your Gap Credit Card at Gap
Inc. brands,
in-store and online. Then, redeem your
Rewards at any Gap Inc. brand.*
Earn points when you use your Gap Credit Card
at Gap Inc. brands,
in-store and online. Then, redeem
your Rewards at any Gap Inc. brand.*
Earn points when you use your
Gap Credit Card at Gap Inc.
brands,
in-store and online. Then, redeem
your Rewards at any Gap Inc. brand.*
So many reasons to shop
at Gap.
So many benefits
with your Gap Credit Card.*
Gap
Credit Card New member starts here Gap
Credit Card New member starts here |
Gap Silver
Credit Card Earn 5,000 pts to upgrade Gap Silver
Credit Card Earn 5,000 pts to upgrade |
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5 points for every $1 spent at Gap Inc. brands |
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$5 Reward for every 500 points earned |
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Redeem Rewards at any Gap Inc. brand |
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Bonus point shopping days |
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No annual fee |
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Zero fraud liability |
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Surprise birthday gift |
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Free 3-5 day shipping on any Gap Inc. online order with code MYCARD |
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20% bonus points each quarter |
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Free basic alterations on Banana Republic purchases |
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Choose Your Own Sale Day |
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Priority cardmember hotline: 866-450-4468 |
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| Gap Inc. Visa® Cardmember-Only Benefits | ||
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1 point for every $1 spent outside Gap Inc. brands |
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Visa cardmember-only offers and promotions |
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Want to earn points faster?
Frequently Asked
Questions
How do I earn points with the card?
Cardmembers earn 5 points for every $1 spent at our family of brands, in-store and online. In addition, Gap Inc. Visa Card purchases will earn 1 point for every $1 spent outside of our brands, everywhere Visa Credit Cards are accepted.
How do I earn Rewards with the card?
For every 500 points earned, cardmembers will receive $5 in Rewards redeemable in-store or online.
Where and how can I redeem Rewards?
You can redeem your Rewards at the following brands: Old Navy, Gap, Gap Factory, Banana Republic, Banana Republic Factory, and Athleta in the U.S., (including Puerto Rico) and Canada.
Can I use the card outside the U.S.?
Customers who have a Gap Inc. Visa Credit Card can use the card anywhere Visa Credit Cards are accepted. In Canada, non-Visa Credit Cards can be used in some of the Gap Inc. family of brand stores.
When and how will I know if my application has been approved?
Whether you apply in-store or online, you will get a response right away. If an instant approval is not granted, you will receive a letter from Synchrony Bank within 30 days regarding your application. Customers can be approved for a credit card accepted at the Gap Inc. family of brands or a Gap Inc. Visa Credit Card that can also be used anywhere else Visa Credit Cards are accepted.
When will I receive the card?
Customers who are approved will be sent their new card via U.S. Mail within 7–10 days from the date they are approved.
Will I be able use the card right away?
Customers who are approved in-store will receive a Temporary Shopping Pass, which includes their name, account number, date of issue, APR, and temporary credit limit. A valid driver’s license or government-issued ID must be presented each time a Temporary Shopping Pass is used to make a purchase. Customers who are approved online will also be provided with a temporary account number, which can be used online and in-store along with valid driver’s license or government-issued ID.
Where can I use the card?
You can use your card at any Gap Inc. store, or online, including Old Navy, Gap, Gap Factory store, Banana Republic, Banana Republic Factory store, or Athleta. Unfortunately, Intermix, Janie and Jack, and Weddington Way stores do not accept private label credit cards at this time. If you are approved for a Gap Inc. Visa Credit Card, it can also be used anywhere in the world where Visa Credit Cards are accepted.
Frequently Asked
Questions
How do I activate my card?
Gap Inc. Credit Cards are issued by Synchrony Bank. You can activate your card with Synchrony Bank online, or by calling: Gap Credit Card: 866-450-5289; Gap Silver Credit Card: 866- 450-5291.
Where can I get information about my account?
Gap Credit Cards are serviced by Synchrony Bank. To find information on your account, you can create an online Synchrony account, or by calling: Gap Credit Card: 866-450-4467; Gap Silver Credit Card: 866-450-4468.
What should I do if my card is lost or stolen?
Cardmembers may report lost or stolen Gap Inc. Credit Cards 24 hours a day, seven days a week to Synchrony Cardmember Customer Service. To report your card lost or stolen, call 866-450-4467 for your Gap Credit Card or 866-450-4468 for Silver. Please review your account for any purchases you did not make and report them to the customer service department when you call. Synchrony Bank will close your account and issue you a new account number and card for your protection.
Can I purchase a gift card online with my Gap Inc. Credit Card?
Yes, gift cards are available for purchase online with both Gap Inc. Credit Cards and Gap Inc. Visa Credit Cards.
How do I pay my credit card bill?
You can make a payment by mail, over the phone, or online. Unfortunately, stores cannot accept Gap Inc. Credit Card payments or provide envelopes for mailing payment.
Can I pay my credit card bill in store?
Unfortunately, stores cannot accept Gap Inc. Credit Card payments or provide return address envelopes. There are various ways a customer can make a payment: by mail, over the phone, or online. When paying by phone, it's free to pay through the automated system; however, there may be a fee to pay with a live agent.
Where can I find my account details online?
To get information on your account including payments made, outstanding bills, and more, you can create an online Synchrony account. To view your points balance, Rewards earned, and your annual progress toward Silver status, you can also add your card by logging in above.
Where and how can I redeem my Rewards?
You can redeem your Rewards at the following brands: Old Navy, Gap, Gap Factory, Banana Republic, Banana Republic Factory, and Athleta in the U.S., (including Puerto Rico) and Canada.
Where can I find my Rewards balance?
Your Rewards are included on your monthly statement. You can also view and access your Rewards from your online Synchrony account, and/or by logging in above.
Where can I get copies of my Rewards certificates?
You will receive copies of Rewards certificates with your monthly statements; you can also view and access your Rewards in your online Synchrony account, or by logging in above. You can also log in above to sign up to receive your Rewards via text.
Can I use my Rewards to pay my bill?
Rewards cannot be used to make payments toward your account. Rewards can only be used toward purchases of merchandise made in-store or online at Old Navy, Gap, Gap Factory store, Banana Republic, Banana Republic Factory store, or Athleta in the U.S. (including Puerto Rico) and Canada.
How do I add an authorized user to my account?
An authorized user is a person who has been approved by the primary cardmember to use the same Gap Inc. Credit Card account. There are a few ways to make an authorized user request, including by phone or online. Synchrony Customer Service will mail individual cards to the primary cardmember with the authorized user’s name on the front of the card. Note that minors may be authorized users. However, authorized users are not joint applicants and are not financially responsible for account activity. The primary cardmember’s monthly billing statement will include any activity made by authorized users. Purchases by primary cardmember and authorized users are not separated on the billing statement.
How can I request a credit limit increase?
You can request a credit limit increase from Synchrony Bank through your online account or by calling: Gap Credit Card: 866-450-4467; Silver Credit Card: 866-450-4468.
Interested in getting a
Gap Credit Card?
How do I earn points with the card?
Cardmembers earn 5 points for every $1 spent at our family of brands, in-store and online. In addition, Gap Inc. Visa Card purchases will earn 1 point for every $1 spent outside of our brands, everywhere Visa Credit Cards are accepted.
How do I earn Rewards with the card?
For every 500 points earned, cardmembers will receive $5 in Rewards redeemable in-store or online.
Where and how can I redeem Rewards?
You can redeem your Rewards at the following brands: Old Navy, Gap, Gap Factory, Banana Republic, Banana Republic Factory, and Athleta in the U.S., (including Puerto Rico) and Canada.
Can I use the card outside the U.S.?
Customers who have a Gap Inc. Visa Credit Card can use the card anywhere Visa Credit Cards are accepted. In Canada, non-Visa Credit Cards can be used in some of the Gap Inc. family of brand stores.
When and how will I know if my application has been approved?
Whether you apply in-store or online, you will get a response right away. If an instant approval is not granted, you will receive a letter from Synchrony Bank within 30 days regarding your application. Customers can be approved for a credit card accepted at the Gap Inc. family of brands or a Gap Inc. Visa Credit Card that can also be used anywhere else Visa Credit Cards are accepted.
When will I receive the card?
Customers who are approved will be sent their new card via U.S. Mail within 7–10 days from the date they are approved.
Will I be able use the card right away?
Customers who are approved in-store will receive a Temporary Shopping Pass, which includes their name, account number, date of issue, APR, and temporary credit limit. A valid driver’s license or government-issued ID must be presented each time a Temporary Shopping Pass is used to make a purchase. Customers who are approved online will also be provided with a temporary account number, which can be used online and in-store along with valid driver’s license or government-issued ID.
Where can I use the card?
You can use your card at any Gap Inc. store, or online, including Old Navy, Gap, Gap Factory store, Banana Republic, Banana Republic Factory store, or Athleta. Unfortunately, Intermix, Janie and Jack, and Weddington Way stores do not accept private label credit cards at this time. If you are approved for a Gap Inc. Visa Credit Card, it can also be used anywhere in the world where Visa Credit Cards are accepted.
Already Have a Gap Credit Card?
How do I activate my card?
Gap Inc. Credit Cards are issued by Synchrony Bank. You can activate your card with Synchrony Bank online, or by calling: Gap Credit Card: 866-450-5289; Gap Silver Credit Card: 866- 450-5291.
Where can I get information about my account?
Gap Credit Cards are serviced by Synchrony Bank. To find information on your account, you can create an online Synchrony account, or by calling: Gap Credit Card: 866-450-4467; Gap Silver Credit Card: 866-450-4468.
What should I do if my card is lost or stolen?
Cardmembers may report lost or stolen Gap Inc. Credit Cards 24 hours a day, seven days a week to Synchrony Cardmember Customer Service. To report your card lost or stolen, call 866-450-4467 for your Gap Credit Card or 866-450-4468 for Silver. Please review your account for any purchases you did not make and report them to the customer service department when you call. Synchrony Bank will close your account and issue you a new account number and card for your protection.
Can I purchase a gift card online with my Gap Inc. Credit Card?
Yes, gift cards are available for purchase online with both Gap Inc. Credit Cards and Gap Inc. Visa Credit Cards.
How do I pay my credit card bill?
You can make a payment by mail, over the phone, or online. Unfortunately, stores cannot accept Gap Inc. Credit Card payments or provide envelopes for mailing payment.
Can I pay my credit card bill in store?
Unfortunately, stores cannot accept Gap Inc. Credit Card payments or provide return address envelopes. There are various ways a customer can make a payment: by mail, over the phone, or online. When paying by phone, it's free to pay through the automated system; however, there may be a fee to pay with a live agent.
Where can I find my account details online?
To get information on your account including payments made, outstanding bills, and more, you can create an online Synchrony account. To view your points balance, Rewards earned, and your annual progress toward Silver status, you can also add your card by logging in above.
Where and how can I redeem my Rewards?
You can redeem your Rewards at the following brands: Old Navy, Gap, Gap Factory, Banana Republic, Banana Republic Factory, and Athleta in the U.S., (including Puerto Rico) and Canada.
Where can I find my Rewards balance?
Your Rewards are included on your monthly statement. You can also view and access your Rewards from your online Synchrony account, and/or by logging in above.
Where can I get copies of my Rewards certificates?
You will receive copies of Rewards certificates with your monthly statements; you can also view and access your Rewards in your online Synchrony account, or by logging in above. You can also log in above to sign up to receive your Rewards via text.
Can I use my Rewards to pay my bill?
Rewards cannot be used to make payments toward your account. Rewards can only be used toward purchases of merchandise made in-store or online at Old Navy, Gap, Gap Factory store, Banana Republic, Banana Republic Factory store, or Athleta in the U.S. (including Puerto Rico) and Canada.
How do I add an authorized user to my account?
An authorized user is a person who has been approved by the primary cardmember to use the same Gap Inc. Credit Card account. There are a few ways to make an authorized user request, including by phone or online. Synchrony Customer Service will mail individual cards to the primary cardmember with the authorized user’s name on the front of the card. Note that minors may be authorized users. However, authorized users are not joint applicants and are not financially responsible for account activity. The primary cardmember’s monthly billing statement will include any activity made by authorized users. Purchases by primary cardmember and authorized users are not separated on the billing statement.
How can I request a credit limit increase?
You can request a credit limit increase from Synchrony Bank through your online account or by calling: Gap Credit Card: 866-450-4467; Silver Credit Card: 866-450-4468.
SAVE 20% & ENJOY
FREE SHIPPING
on your first purchase
when you open a Gap Credit Card*
SAVE 20% AND
ENJOY FREE SHIPPING
on your first purchase
when you open a Gap Credit Card*
*Details below.
*Gap Inc. credit card disclaimers:
Eligible to earn 500 points when you sign up for brand emails in which you haven't been previously enrolled. Can only earn 500 points, regardless of number of brands selected.
Cardmember offers are subject to credit approval and a Gap Inc. credit card must be used as sole payment type to redeem.
REWARDS: See your Reward Program Terms for details.
ACCOUNT OPENING DISCOUNT: Open a new GapCard or Gap Visa Credit Card Account online to receive a 20% off first purchase discount code valid for one time use online at Gap.com or GapFactory.com in the U.S. (including Puerto Rico) only. Not valid in stores, at other Gap Inc. brands, or in our Clearance Center. Code expires at 11:59pm PT thirty (30) days from date of Account open. Excludes co-branded or third-party merchandise, phone orders placed in store, packaging, shipping, gift cards, and taxes. Only one account opening discount per Account. Discount can be combined with only one other offer in a single transaction, except offer cannot be combined with employee discount. To redeem, enter code at checkout. Discount value will be equally spread across all eligible items in the transaction. Not responsible for lost or stolen codes. No adjustments to previous purchases. A different account opening offer may be available in-store.
FREE 5-7 DAY SHIPPING: Offer valid for your first order made using your GapCard or Gap Visa Credit Card placed at Gap.com, BananaRepublic.com, OldNavy.com, and Athleta.com. This offer is valid on shipping to your order’s first “ship to” address, anywhere in the U.S. (including Puerto Rico). If you choose another shipping option additional charges will apply. Orders must be shipped to a single address. Select the 5-7 day shipping option. One time use only. Enter first purchase discount promotion code at checkout. No adjustments on previous purchases.
ADD AN AUTHORIZED USER: The primary cardholder will be liable for all purchases made on the account, including those made by an authorized user.
BIRTHDAY GIFT: For cardholders who have made at least one purchase at Gap or Gap Outlet with their GapCard within the last twelve months, whose account is in good standing.
ZERO FRAUD LIABILITY FOR UNAUTHORIZED USE: Unauthorized use does not include charges by a person to whom you have given authority to use your account or card, and you will be liable for all use by such person.
NO ANNUAL FEE: For new accounts. As of 04/01/2020, Variable Purchase APR is 25.99%. The APR will vary with the market based on the Prime Rate. Minimum interest charge for the Gap Inc. Visa card and for the Gap Inc. credit card is $2.00.
SILVER UPGRADE & 20% TIER BONUS: Gap Account holders who do all of the following: (a) earn 5000 Reward Points (excluding bonus points earned and merchandise returns) on their Account within a calendar year,(b) make at least the minimum payment due on their Account by the payment due date after reaching the 5000Reward Point qualifying amount, and (c) keep their Account in good standing, will be upgraded to a Gap Silver Account. Upgrades will be processed within 90 to 120 days after you qualify. Gap Silver cardholders receive additional benefits, including a quarterly bonus of 20% of Reward Points earned as of the end of each calendar quarter. (For example, if at the end of a calendar quarter you have earned 500 Reward Points, we will add an additional 100 Reward Points to your Reward Account.) You must requalify as set forth above each calendar year in order to maintain your respective qualification as a Silver cardholder.
CHOOSE YOUR OWN SALE DAY: Available to Gap Silver cardmembers who have made at least one purchase at Gap with their Gap Silver Card or Gap Silver Visa Card within the last twelve months, and whose account is in good standing. Coupon is good for one-time use only and must be surrendered at time of purchase. Offer subject to change.
FREE 3-5 BUSINESS DAY SHIPPING FOR SILVER CARDMEMBERS: Free shipping is subject to credit approval and valid on purchases made online at Gap, Gap Factory, Banana Republic, Banana Republic Factory, Old Navy, and Athleta with your Gap Silver Card or Gap Silver Visa Card shipped to a single U.S. address. Silver status must be current and you must enter code MYCARD at checkout. This offer is good for standard shipping only to your order's first ""ship to"" address anywhere in the U.S. including Puerto Rico. Offer and delivery times are subject to change without notice. See your Reward Program Terms for details.
FREE BASIC ALTERATIONS: Available to Gap Silver cardmembers on merchandise purchased at Banana Republic stores and BananaRepublic.com with the Gap Silver Card or Gap Silver Visa Card. Excludes merchandise purchased at Banana Republic Factory, Gap, Old Navy and Athleta stores. Not valid on previous purchases. Not valid on leather and suede merchandise. Valid for all Silver cardmembers, including Gap Inc. employees who are Silver card members. Offer subject to change without notice.
BONUS POINTS FOR NEW VISA CARDMEMBERS: You will receive 3,000 bonus Reward points if you make the qualifying purchase outside our brands and it posts to your account within 30 days of opening your account. Each account is eligible for only one offer and must remain open, in good standing and not become delinquent. Allow up to two billing periods for bonus points to post to your account. Please see your Reward Program Terms for details.
CONNECT WITH EMAIL & EBILL: Subject to credit approval. Upon new sign-up for marketing emails Cardmember will receive a one-time single issuance of 500 bonus points. Upon new sign-up for eBill Cardmember will receive a one-time single issuance of 500 bonus points. Requires submission of valid Account number and email address. Account must remain open, in good standing, and not become delinquent. Points will post to Account within two billing cycles of sign-up date. Only one award per Account. Every 500 points is converted into a $5 reward. Reward value not redeemable for cash. See Reward Program Terms for details on earning and redeeming points and rewards.
TEXT MESSAGING: Standard text messaging and data rates may apply.
Gap Inc. Visa Credit Cards are issued by Synchrony Bank pursuant to a license from Visa U.S.A. Inc.
*Gap Inc. credit card disclaimers:
Eligible to earn 500 points when you sign up for brand emails in which you haven't been previously enrolled. Can only earn 500 points, regardless of number of brands selected.
Cardmember offers are subject to credit approval and a Gap Inc. credit card must be used as sole payment type to redeem.
REWARDS: See your Reward Program Terms for details.
ADD AN AUTHORIZED USER: The primary cardholder will be liable for all purchases made on the account, including those made by an authorized user.
BIRTHDAY GIFT: For cardholders who have made at least one purchase at Gap or Gap Outlet with their GapCard within the last twelve months, whose account is in good standing.
ZERO FRAUD LIABILITY FOR UNAUTHORIZED USE: Unauthorized use does not include charges by a person to whom you have given authority to use your account or card, and you will be liable for all use by such person.
NO ANNUAL FEE: For new accounts. As of 04/01/2020, Variable Purchase APR is 25.99%. The APR will vary with the market based on the Prime Rate. Minimum interest charge for the Gap Inc. Visa card and for the Gap Inc. credit card is $2.00.
SILVER UPGRADE & 20% TIER BONUS: Gap Account holders who do all of the following: (a) earn 5000 Reward Points (excluding bonus points earned and merchandise returns) on their Account within a calendar year,(b) make at least the minimum payment due on their Account by the payment due date after reaching the 5000Reward Point qualifying amount, and (c) keep their Account in good standing, will be upgraded to a Gap Silver Account. Upgrades will be processed within 90 to 120 days after you qualify. Gap Silver cardholders receive additional benefits, including a quarterly bonus of 20% of Reward Points earned as of the end of each calendar quarter. (For example, if at the end of a calendar quarter you have earned 500 Reward Points, we will add an additional 100 Reward Points to your Reward Account.) You must requalify as set forth above each calendar year in order to maintain your respective qualification as a Silver cardholder.
CHOOSE YOUR OWN SALE DAY: Available to Gap Silver cardmembers who have made at least one purchase at Gap with their Gap Silver Card or Gap Silver Visa Card within the last twelve months, and whose account is in good standing. Coupon is good for one-time use only and must be surrendered at time of purchase. Offer subject to change.
FREE 3-5 BUSINESS DAY SHIPPING FOR SILVER CARDMEMBERS: Free shipping is subject to credit approval and valid on purchases made online at Gap, Gap Factory, Banana Republic, Banana Republic Factory, Old Navy,, and Athleta with your Gap Silver Card or Gap Silver Visa Card shipped to a single U.S. address. Silver status must be current and you must enter code MYCARD at checkout. This offer is good for standard shipping only to your order's first ""ship to"" address anywhere in the U.S. including Puerto Rico. Offer and delivery times are subject to change without notice. See your Reward Program Terms for details.
FREE BASIC ALTERATIONS: Available to Gap Silver cardmembers on merchandise purchased at Banana Republic stores and BananaRepublic.com with the Gap Silver Card or Gap Silver Visa Card. Excludes merchandise purchased at Banana Republic Factory, Gap, Old Navy and Athleta stores. Not valid on previous purchases. Not valid on leather and suede merchandise. Valid for all Silver cardmembers, including Gap Inc. employees who are Silver card members. Offer subject to change without notice.
BONUS POINTS FOR NEW VISA CARDMEMBERS: You will receive 3,000 bonus Reward points if you make the qualifying purchase outside our brands and it posts to your account within 30 days of opening your account. Each account is eligible for only one offer and must remain open, in good standing and not become delinquent. Allow up to two billing periods for bonus points to post to your account. Please see your Reward Program Terms for details.
CONNECT WITH EMAIL & EBILL: Subject to credit approval. Upon new sign-up for marketing emails Cardmember will receive a one-time single issuance of 500 bonus points. Upon new sign-up for eBill Cardmember will receive a one-time single issuance of 500 bonus points. Requires submission of valid Account number and email address. Account must remain open, in good standing, and not become delinquent. Points will post to Account within two billing cycles of sign-up date. Only one award per Account. Every 500 points is converted into a $5 reward. Reward value not redeemable for cash. See Reward Program Terms for details on earning and redeeming points and rewards.
TEXT MESSAGING: Standard text messaging and data rates may apply.
Gap Inc. Visa Credit Cards are issued by Synchrony Bank pursuant to a license from Visa U.S.A. Inc.