Gap Silver Store Card
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.
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.
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:
- 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.
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.
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.
As a Gap Silver member, 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 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 BananaRepublic.com for free. Just note that you will not be able to return or exchange altered merchandise.
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
|Authorized User Fee|
|Foreign Transaction 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.
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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