Gap Silver Visa Credit Card
Learn the details that comes with the Gap Silver Credit Card, calculate how many points you can earn, and compare results against top cards.
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.
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:
- 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.
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.
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.
You will receive free 3-5 day shipping on purchases made online at the following Gap brands:
- Gap Factory
- Banana Republic
- Banana Republic Factory
- Old Navy
- Hill City
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.
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
|Authorized User Fee|
|Foreign Transaction 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.
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.
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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.
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