Gap Silver Credit Card | Review & Reward Point Calculator

Gap Silver 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
20% Quarterly Bonus
Choose Your Own Sale Day
Free Shipping
Free Basic Alterations

Learn the details that comes with the Gap Silver Credit Card, calculate how many points you can earn, and compare results against top cards.


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The Gap Silver Visa Credit Card is a higher tiered version of the Gap Visa Credit Card. It can be obtained by earning 5,000 points in a calendar year using the Gap Visa Credit Card which can be done easily and most efficiently by spending $1,000 at Gap brand stores. Silver comes with quarterly bonus points, the ability to pick your own sale day, free online shipping, and more. It's a relatively easy status to obtain and can be worth it for anyone who spends a great deal of money at Gap, Gap Factory, and other Gap brands.

Bonus Categories

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

5x Gap Brands

Using the Gap Silver Card at Gap brand stores will earn you 5 rewards points per $1 spent. Gap brand stores are considered to be 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

Spending at the stores listed above will be equal to earning a 5% return which is what you'll earn when using any of Gap's credit cards. As a Gap Silver member, you'll receive a 20% bonus based on points earned which gives you a slightly higher 6% return.

1x Non-Category

All non-Gap brand purchases made on the Gap Silver Card will earn you 1 rewards point per $1 spent. This is a low return of 1% which means it isn't worth it to put non-Gap spend on the card. Even with the 20% quarterly bonus you'll be earning only a 1.2% return. I recommend grabbing up a 2% cash back credit card since it will earn you double the rewards and you can redeem the cash back at Gap or for anything else.

Perks and Benefits

The Gap Silver Card features a bunch of benefits that can save you a significant amount of money over the course of the year. If you enjoy shopping at Gap or Gap Factory, this is the card you'll want to have.

10% Off Gap Purchases

Using your Gap credit card in-store at Gap and Gap Factory stores in the U.S. (including Puerto Rico) will knock 10% off your bill. This discount can be combined with up to one additional offer or you can combine it with up to three rewards in a single transaction. You will need to pay for the entire purchase with your Gap Silver Card otherwise you will not receive the 10% discount. You'll also need to enter the code PLUS10 at check-out. This benefit is only available until 4/30/2020.

Birthday Gift

Every year during your birthday month, you will receive a birthday gift in the form of a discount coupon good for the next time you shop at Gap. This gift will be sent to you only if you've made at least one purchase at Gap or Gap Outlet with your Gap Silver Card within the last 12 months. Your account must also be in good standing.

20% Bonus Points

During every calendar quarter you will receive a 20% bonus of the points you earned during that quarter. This effectively pushes the return of this card up to 6% on Gap brand purchases and 1.2% on everything else. Calendar quarters are defined as January-March, April-June, July-September, and October-December. So if you were to earn 1,000 points between April and June, Gap would deposit a bonus 200 points into your account at the end of that quarter.

Choose Your Own Sale Day

As a Gap Silver cardmember, you'll be able to choose your own sale day during the year. This will be issued to you in the form of a coupon which is good for a one-time only use. In order to receive this coupon, you'll need to make at least one purchase at Gap with your Gap Silver credit card. Your account must also be in good standing.

Free Shipping

You will receive free 3-5 day shipping on purchases made online at the following Gap brands:

  • Gap
  • Gap Factory
  • Banana Republic
  • Banana Republic Factory
  • Old Navy
  • Hill City
  • Athleta

Shipping is good to a U.S. address (Puerto Rico included) and you must enter the promotional code MYCARD at checkout. Make sure that you select the 3-5 day shipping options. Selecting faster options (or even slower options) will not qualify for free shipping.

Free Basic Alterations

Gap Silver membership will grant you free basic alterations on merchandise purchased at Banana Republic store and online at BananaRepublic.com. Do note that you will not be able to return or exchange merchandise that has been altered.

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
  • Special Silver Cardmember Events
  • Priority Access When Calling Gap Hotline

Sign Up Bonus

The Gap Silver Card cannot be applied for directly. You'll have to grab up the Gap credit card and earn 5,000 points during the calendar year to become a Gap Silver member and receive this card. The standard sign up bonus for the standard Gap Credit Card is 20% off your first purchase at Gap or Gap Factory and free shipping on that purchase.

Credit Card Fees

Fees
Annual Fee
Authorized User Fee
Foreign Transaction Fee

Annual Fee

The annual fee for the Gap Silver Card is $0. This means you'll be earning a great 6% return on your purchases at Gap brand stores. Just remember to pay your statements in full every month otherwise it will feel like you're paying an annual fee for the card due to the high interest rates.

Authorized User Fee

There is no fee to add authorized users to your Gap Silver credit card. If you have family or friends that breathe and live Gap, adding them can help you build up points faster, help you maintain Gap Silver membership, and save push you towards your redemptions faster.

Foreign Transaction Fee

The foreign transaction fee for the Gap Silver Card is 3%. This means you'll be charged a fee every time you use this card outside of the United States. That makes this card a bad choice for both international spending and international travel.

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...
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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.
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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 ($0.001).
Loyalty/Rewards Programs
Covers hotel loyalty status, status with bank rewards programs, and few others. These are added automatically based on card selection, but can be manually added as well.
/ Loyalty Programs
Add/Remove Loyalty Programs
Select which loyalty programs you want to include in the calculations. You will be able to select your status with the program and it will calculate additional points/bonuses based on what you enter in the calculator.
Loyalty Programs
Other Bonuses
All card card specific bonuses will be listed here. These are added automatically based on the selected card(s).
Categories Spending
Enter how much you spend in each category listed. You can click on the amount to edit the value. You can use +/- Categories to add and remove categories from the list and Options to copy spend between columns and clear all spend.
/ Categories
Options
Add/Remove Categories
Select which categories you want to appear in this calculator. You can search categories by typing in a keyword below. De-selecting categories will remove them from this calculator. Categories are changed once you hit 'Update'.
Currently Selected:
Deselect All
Clear Spend
This will clear the spend in all of the categories in both columns. This will also clear all saved values.
Copy Spend
Copy Right will take the spend from the left column and copy it to the right column. Copy Left will take the spend from the right column and copy it to the left column. The spend amount ($) and unit of time (month, day, quarter) will be copied over.
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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
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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.
$0
Annual Fees
This section contains the annual fee and authorized user fee (if applicable) to hold on to the listed card(s).
$0
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.
$0
Total Return
The percent you are earning per dollar spent on this card.
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Written By: Robert Flowers III

Editorial Note: All opinions expressed on this site are my own and not those of any bank, rental car company, credit card issuer, hotel company, or any entity mentioned herein. Opinions, calculators, and other editorial content on this page have not been approved or endorsed by any entities on this site. You can read our Private Policy to learn more.

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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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