Gap Silver Store Card | Review & Rewards Point Calculator

Gap Silver Store Card

Card Review & Gap Rewards Calculator
5x Gap Brands
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

Get the details on the Gap Silver Store Card, calculate how many points you can earn based on your spend, and compare against other top rewards cards.

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The Gap Silver Store Card is the upgraded version of the Gap Store Card and comes with a lot of additional benefits that can be very valuable if you shop at Gap, Gap Factory, and other Gap brand stores. You can obtain Gap Silver membership by earning 5,000 points during the calendar year. Since this card can only be used at Gap brand store, you can only acquire 5,000 points by running $1,000 in spend across the card. If you frequently shop at Gap or Gap Factory, going for Gap Silver is easily worth it.

Bonus Categories

The Gap Silver Store Card features one bonus category which is spending done at Gap brand stores. There's no limit to the amount of bonus points you can earn spending on the card.

5x Gap Brands

The Gap Silver Store Card earns 5 rewards points per $1 when you use it at Gap brand stores. Eligible purchases are counted as 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

With 500 points being equal to $5, you're looking at a 5% return when you run spend through the card. Thanks to the 20% quarterly bonus this card comes with, you'll basically be receiving an additional point per $1 spent giving you a total 6% return which is pretty great! Combine that great return with the discounts, perks and benefits explained in the section below and you have a mighty good card for spending at Gap and Gap Factory stores.

0x Non-Category

The Gap Silver Store Card does not have a network attached to it. That means that this card cannot be used outside of Gap brand stores. While it is possible to earn Gap Rewards Points on all purchases with cards like the Gap Visa Card, you'll be earning a very low 1% return. You would be better off picking up a 2% cash back credit card which would earn you rewards twice as fast that can be used towards Gap or anything else.

Perks and Benefits

The Gap Silver Store Card features the great benefits of the standard Gap Store Card along with a few extras.

10% Off Gap Purchases

Using the Gap Silver Store Card in-store at Gap and Gap Factory stores in the U.S. (including Puerto Rico) will grant you a 10% discount. You can combine the discount with up to one additional offer or with up to three rewards in a single transaction. You will only receive the 10% discount if you pay for your entire purchase with the Gap Silver Store Card. You will also need to use the promotional code PLUS10 at check-out. Do note that this benefit is only available until 4/30/2020.

Birthday Gift

Annually, during your birthday month, you will receive a birthday gift in the form of a coupon. This will be a discount coupon that can be used the next time you shop at Gap and can save you a nice amount of money. You'll only receive this coupon 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 in order to receive the gift.

20% Bonus Points

As a Gap Silver member, you will receive 20% bonus points every quarter based on the amount of point that were earned during the quarter. That bumps the return of this card up to 6% for Gap brand purchases and 1.2% on everything else. Quarters are defined as calendar quarters which are January-March, April-June, July-September, and October-December. So if you were to earn 2,500 points during July-September, you would be given 500 bonus points at the end of that quarter.

Choose Your Own Sale Day

With the Gap Silver Store Card, you'll be able to choose your own sale day during the year. This benefit will be issued to you in the form of a coupon good for a one-time only use. You'll need to make at least one purchase at Gap with your Gap Silver Store Card in order to receive this annual coupon. Your account must be in good standing as well.

Free Shipping

As a Gap Silver member, 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 will apply to U.S. addresses only (Puerto Rico included) and you must enter promotional code MYCARD at checkout. Be sure to select the 3-5 day shipping option as you will not receive free shipping on other shipping options (faster or slower).

Free Basic Alterations

Holding the Gap Silver Store Card will grant you access basic alterations on merchandise at Banana Republic store and online at for free. Just note that you will not be able to return or exchange altered merchandise.

Other Benefits

As a Gap Silver member, you'll also receive the following additional benefits:

  • 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 Store Card cannot be applied for directly. You'll need to earn 5,000 points with the Gap Store Card in order to receive the Silver version. The standard sign up bonus on the Gap Store Card is 20% off your first purchase at Gap or Gap Factory and free shipping on that purchase.

Credit Card Fees

Annual Fee
Authorized User Fee
Foreign Transaction Fee

Annual Fee

The annual fee for the Gap Silver Store Card is $0 annually. This means you'll always be raking in a wonderful 6% return when you use this card at Gap brands. Make it your mandatory goal to pay off your full statement balance every month and this card will treat you well.

Authorized User Fee

The authorized user fee for the Gap Silver Store Card is $0. If you have family or friends that enjoy shopping at Gap or Gap Factory, adding them to the card can earn you additional rewards points, save them money, and help you maintain Gap Silver status.

Foreign Transaction Fee

The Gap Silver Store Card cannot be used outside of Gap brand stores so the foreign transaction fee is not applicable.

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.

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