Gap Store Card | Card Review & Reward Points Calculator

Gap Store Card

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

Review the benefits of the Gap Store Card, calculate how many Gap Rewards Points you can earn based on spend, and compare results to top cards.

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The Gap Store Card is a superb option if you want to earn a 5% return shopping at Gap, Gap Factory, and other Gap brand stores. Along with a great return, you'll also earn discounts shopping at Gap and Gap Factory, access to exclusive sales, an annual birthday gift, and several other benefits. Since the card has no network associated with it, you will not be able to use it outside of shopping at Gap brand stores like you can with the Gap Visa Credit Card. Fortunately that does not matter too much as the Visa only gives you a 1% return on non-Gap purchases so you're not missing out on anything by picking up the store card.

Bonus Categories

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

5x Gap Brands

When you use the Gap Store Card to pay for purchases at Gap brand stores, you will earn 5 rewards points per $1 spent. Gap brand purchases 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 in this category will give you a return of 5% which is the same return that all Gap credit cards offer. When it comes to choose between a Gap brand credit card, you will want to choose the brand that you spend the most money with or the brand that has a credit card that will benefit you the most. Several Gap credit cards offer discount at specific brands or offer higher tier card member status for earning a lot of points during the calendar year so you'll want to take those things into consideration. All in all, this is a great return for Gap brands and a great card for those who enjoy making purchases at Gap or Gap Factory stores.

0x Non-Category

The Gap Store Card does not have a network attached to it (Visa, Mastercard, etc.), so you will not be able to use this card for non-Gap brand purchases. If you want to earn Gap Rewards Points on non-Gap purchases you'll need the Gap Visa Credit Card, but I still wouldn't recommend using that card due to the low 1% return it offers on non-Gap purchases. You'll be better off picking up a 2% cash back card such as the Citi Double Cash or PayPal CashBack Mastercard.

Perks and Benefits

If you enjoy shopping at Gap and Gap Factory stores, you'll find that the Gap Store Card offers a bunch of very useful benefits that can save you money during the year.

10% Off Gap Purchases

You will receive a 10% discount when you use your Gap Store Card in-store at Gap and Gap Factory stores in the U.S. (including Puerto Rico). This discount can be combined with up to one additional offer or combined with up to three rewards in a single transaction. In order to receive the discount, you'll need to pay for the entire transaction with your Gap Store Card. You will also need to enter code PLUS10 at checkout.

This is a promotional benefit that is only valid on purchases up until 4/30/2020.

Birthday Gift

You will receive a birthday gift annually during your birthday month. This gift will usually be a discount coupon that can save you some money the next time you make a purchase with Gap. You'll only receive your birthday gift if you have made at least one purchase at Gap or Gap Outlet with your Gap Store Card within the last 12 months. Your account must also be in good standing as well.

Spend To Silver Status

If you earn 5,000 points on your Gap Store Card during the calendar year, you will earn Gap Silver Status. This is an upgraded cardmember tier which grants additional benefits such as quarterly bonus points, free online shipping, free basic alterations at Banana Republic and more. You'll also be sent a sleek Silver Gap Store Card to replace your plan one (card number will remain the same). Since you can only make purchases at Gap brand stores with this card, you'll need to spend $1,000 in order to earn 5,000 points.

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 Store Card is 20% off your first Gap or Gap Factory purchase. You'll also receive free shipping on this purchase to a U.S. address (Puerto Rico included). This is the same benefit offered across all Gap credit cards.

If you open your Gap Store Card online, you'll be given a 20% discount code that will need to be used within 30 days of account opening. If you apply and get approved in store, your discount will be applied to your purchase.

Credit Card Fees

Annual Fee
Authorized User Fee
Foreign Transaction Fee

Annual Fee

The Gap Store Card does not have an annual fee which means you'll always earn a 5% return when using the card at Gap, Gap Factory, and other Gap brands. Be sure to pay off your statement in full every month otherwise your rewards will be eaten alive by interest.

Authorized User Fee

The Gap Store Card has a $0 authorized user fee. If you have family or friends that shop at Gap brand store, adding them to your card will help you build your points faster and push you towards Gap Silver Status.

Foreign Transaction Fee

The Gap Store Card cannot be used outside of Gap brand stores so the foreign transaction fee will not apply.

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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