Gap Credit Card | Card Review & Reward Point Calculator

Gap Visa Credit Card

Card Review & Gap Rewards Calculator
5x Gap Brands
1x Everything Else
10% Off Gap Purchases
Bonus Points Shopping Days
Birthday Gift
Easy Returns
Spend To Silver Status

Review the benefits offered by the Gap Credit Card, calculate how many Gap Rewards Points you can earn, and compare results side by side top cards.

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The Gap credit card is a solid option if you're looking to earn a great return on Gap, Gap Factory, and other Gap brand purchases. On top of offering a great return, you'll earn a discount when shopping specifically at Gap or Gap Factory stores, receive access to exclusive events and discounts, and much more. Assuming you pay off your balance in full every month to avoid the high interest of store credit cards, it's a great card to have for anyone that loves shopping with Gap.

Bonus Categories

The Gap Card features one bonus category which is shopping at Gap brand stores. There's no limit to the amount of bonus points you can earn spending at Gap brand stores and no limit to how much you can earn with the card in general.

5x Gap Brands

When you use the Gap Card to make purchases at Gap brand store, you will receive 5 rewards points per $1 spent. Eligible purchases will include purchases made in-store (U.S. & Canada only), online, via phone, or mail at:

  • Athleta
  • Gap
  • GapBody
  • babyGap
  • GapKids
  • Gap Maternity
  • Gap Outlet
  • Gap Factory Store
  • Banana Republic
  • Banana Republic Factory Store
  • Old Navy
  • Old Navy Outlet

When you use your Gap Card at the stores listed above, you'll be earning the same 5% return that all Gap credit cards earn on Gap purchases. Earning 5% is pretty good and nothing to turn your nose at. If you enjoy shopping at Gap, you'll want to pick up this card instead of the others due to the 10% discount you'll earn shopping specifically at Gap and Gap Factory stores. If Gap isn't your favorite out of the Gap Inc. brands, you can check the credit cards offered by Athleta, Banana Republic, or Old Navy to see if they have perks that better reward your spend habits.

1x Non-Category

All non-Gap brand purchases made on the Gap Card will earn 1 rewards point per $1 spent. This is equal to a very low 1% return. I do not recommend putting non-category spend on this card or any other Gap credit card. You'll want to grab up other credit cards that correspond with your spending habits. If you don't want a wallet full of cards, grabbing up a 2% cash back card will do the job. Cards like the Citi Double Cash and PayPal Cashback Mastercard will earn you 2% on all purchases which is double the return of the Gap Card on non-category purchases.

Perks and Benefits

The Gap Card comes with a healthy amount of benefits that's good if you're a fan of Gap and Gap brand stores.

10% Off Gap Purchases

When you use your Gap credit card in-store at Gap and Gap Factory stores in the U.S. (including Puerto Rico), you will receive a 10% discount. This offer can be combined with up to one other offer or up to three rewards in a single transaction which can save you even more. Do note that you pay for the entire purchases with the Gap credit card. You can enter code PLUS10 at checkout to receive this benefit. This benefit is only valid until 4/30/2020.

Birthday Gift

Every year you will receive a birthday gift during your birthday month. This gift will usually be in the form of a coupon that can save you some money on your next purchase with Gap. In order to receive this coupon, you must have made at least one purchase at Gap or Gap Outlet with your Gap Credit Card within the last 12 months and your account must be in good standing.

gap card benefits
The Gap credit card comes with several useful benefits.

Spend To Silver Status

Earning 5,000 rewards points during the calendar you will grant you Gap Silver Status. This upgraded cardmember tier comes with several additional benefits including quarterly bonus points, the ability to choose your own sale day, free online shipping, and more. You'll also be sent a Gap Silver Visa Card to replace your standard Gap credit card (don't worry... it will have the same card number).

Other Benefits

As a Gap credit card member, you will have access to several other benefits which includes:

  • Access to special events with exclusive discounts
  • Bonus point shopping days
  • No receipt necessary for returns

Sign Up Bonus

The standard sign up bonus for the Gap credit card is 20% off your first Gap or Gap Factory product purchase along with free shipping to a U.S. address (Puerto Rico included). This is the same benefit that's offered on pretty much all of the Gap credit cards.

If you open a new Gap credit card account online, you'll be sent a 20% discount code in which you'll have 30 days from account opening to use. If you open it in-store, it will apply to the first purchase you make at the register if you're approved.

Credit Card Fees

Annual Fee
Authorized User Fee
Foreign Transaction Fee

Annual Fee

The annual fee for the Gap Credit Card is $0. This means you'll always earn a great 5% return when making purchases at Gap brand stores. Remember to pay off your statement balance IN FULL every month otherwise you'll be paying interest which will feel like an annual fee and eat away at your earned rewards.

Authorized User Fee

There is no fee to add authorized users to your Gap Credit Card. If you have family or friends that shop at Gap brand stores, adding them can help you earn more points and help you obtain Gap Silver faster.

Foreign Transaction Fee

The Gap Credit Card has a foreign transaction fee of 3%. That means you will be charged a fee when you use this card outside of the United States making this a bad card for international purchases as well as international travel. I highly recommend only using this card in the United States.

and Card Value Calculator

You can use this rewards calculator to calculate how many points, miles, or cash back you can earn based on your spend per category. This calculator will also give you the dollar value of the card based on rewards earned and how much each benefit is worth to you minus the fees. You can click the Compare A Card button to compare this card against another card in the same calculator.

All category spend entered in the primary card's column will carry over to all credit card pages on the site so you don't have to re-enter the same information over again.

Credit Card
This calculator will calculate the cash value of the selected credit card(s) based on spend, benefits, and fees. You can compare this card against any another rewards card side-by-side by clicking on the Compare A Card button.
Compare A Card
Compare A Card
Select a card from the list below to compare it side by side against this card. You can search by card name (e.g. chase sapphire reserve, uber visa) or by rewards program (e.g. thankyou points, membership rewards points).
Currency Worth
This is the cash value of points and miles used in these calculations. You can click on the amount to change the value or you can select View Rewards As to calculate your rewards when transferred to partners.
View Rewards As...
0 Cent(s)
View Rewards As...
This section allows you to view your rewards as if you transferred them to a partner. Select a transfer partner below and the calculator will alter the calculator to reflect the transfer ratio and the reward currency of the receiving program. This only applies to the currency of the selected card. Not all programs have transfer partners. I also do not have the cash value of points and miles for all transfer partners.
Edit Value
Enter the cash value of these rewards in cents per point/mile. You can enter the value as X.XX cents or 0.0XXX cents. The maximum value allowed is 15 cents ($0.15) and the minimal value is 0.1 cents ($0.001).
Loyalty/Rewards Programs
Covers hotel loyalty status, status with bank rewards programs, and few others. These are added automatically based on card selection, but can be manually added as well.
/ Loyalty Programs
Add/Remove Loyalty Programs
Select which loyalty programs you want to include in the calculations. You will be able to select your status with the program and it will calculate additional points/bonuses based on what you enter in the calculator.
Loyalty Programs
Other Bonuses
All card card specific bonuses will be listed here. These are added automatically based on the selected card(s).
Categories Spending
Enter how much you spend in each category listed. You can click on the amount to edit the value. You can use +/- Categories to add and remove categories from the list and Options to copy spend between columns and clear all spend.
/ Categories
Add/Remove Categories
Select which categories you want to appear in this calculator. You can search categories by typing in a keyword below. De-selecting categories will remove them from this calculator. Categories are changed once you hit 'Update'.
Currently Selected:
Deselect All
Clear Spend
This will clear the spend in all of the categories in both columns. This will also clear all saved values.
Copy Spend
Copy Right will take the spend from the left column and copy it to the right column. Copy Left will take the spend from the right column and copy it to the left column. The spend amount ($) and unit of time (month, day, quarter) will be copied over.
Reward Bonuses
This section holds sign up bonuses, loyalty bonuses, and bonus bonuses. Most bonuses here will be listed automatically based on certain criteria. You can click 'Extra Bonus' if you wish to enter your own bonus amount.
Extra Bonus
Any additional bonuses you wish to add such as a sign up bonus or point bonus for adding authorized users
Total Earnings
Sum of all rewards above this line.
Cash Value of Earnings
Based off of currency worth.
Learn how you can use cash back portals to earn hundreds in cash back every year booking travel and shopping online. Easily double and triple dip on rewards when you combine cash back portals, loyalty programs, and rewards credit cards.
Calculator Continues Below
Monetary Bonuses/Perks
This is a list of cash perks and bonuses associated with the selected card(s). Some perks will be listed here automatically. You can click on 'Perk Bonus' if you want to add additional value for the card.
Perk Bonus
Enter how much you value any unmentioned perks this card offers.
Annual Fees
This section contains the annual fee and authorized user fee (if applicable) to hold on to the listed card(s).
Edit Fees
Edit the annual fee and authorized user fee of the Card (if applicable).
Annual Fee: -
Auth Fee: -
Grand Total
The total estimated value you can get out of this card and the amount of return for your spend.
Total Card Value
The value of the card when everything is taken into account.
Total Return
The percent you are earning per dollar spent on this card.

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Written By: Robert Flowers III

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About These Calculators: These calculators are provided to help you estimate the value of points, miles, and cash back you can earn with various rewards programs and using reward earning credit cards. These calculators are meant to provide an estimate of rewards earned and are not meant to reflect the exact amount of points you may receive. Be sure to read the terms and conditions of any credit card before you apply as benefit and perk changes may not be reflected immediately on this website.

The Point Calculator is owned by RF3 LLC. This site is informational and meant to provide help in calculating points with various programs. The owner of this site is not a legal or tax professional and the statements and articles on this site are opinion of the owner and should not be relied upon for individual circumstances.

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