Gap Silver Visa Credit Card Calculator

Card Details & Gap Rewards Points 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.

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
    • Include purchases made in-store, online, over the phone, and via mail with:
      • Athleta
      • Gap
      • GapBody
      • babyGap
      • GapKids
      • Gap Maternity
      • Gap Outlet
      • Gap Factory Store
      • Banana Republic
      • Banana Republic Factory Store
      • Old Navy
      • Old Navy Outlet
  • 1x Non-Category

Perks & Benefits

The Gap Silver Card features the benefits of the Gap Credit Card along with a small handful of additional benefits such as bonus points, free shipping, and more.

  • Annual Birthday Gift
    • Must have made at least one purchase on your card within the last 12 months.
  • 20% Bonus Points
    • Earn a bonus of 20% of points earned during the calendar quarter.
    • Example: If you earned 1,000 points between January and March (one quarter), you would earn a bonus 200 points.
  • Free 3-5 Day Shipping
    • Must use promotional code MYCARD.
  • Free Basic Alterations
    • Only applies to merchandise purchases in-store or online with Banana Republic.
    • Do note that you cannot return or exchange merchandise that has been altered.
  • Choose Your Own Sale Day
  • Cardmember Only Offers and Promos
  • Bonus Point Shopping Days
  • Gap Silver Priority Cardmember Hotline

Sign Up Bonus (SUB)

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.


Annual Fee

The annual fee for the Gap Silver Card is $0. This means you'll be earning a great 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 internationally. 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 other rewards card side-by-side by clicking on the Compare A Card button.
Compare A Card
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Compare A Card
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These cards are part of the same family.
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These are similar cards based on earning structure and other benefits (that aren't part of the same family).
Search Cards
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Categories Spending
Enter how much you spend in each category listed. You can click on the amount to edit the value, +/- Categories to add and remove categories from the list, and Options to copy spend between columns and clear all spend.
Add Categories
Search for categories and click 'Add Category' to add it to the calculator. If you want to be more specific, you can specify domestic or international spend.
Type at least 3 characters.
Currently Selected:
Add Categories On Card Change
When you add/change a credit card comparision, the categories missing from the newly added card will be added to the list of categories. Toggle this off to prevent such from happening.
Clear Spend/Mobile
Clear All Spend will clear the spend in all categories in both columns and all saved values (cookies). Clear Mobile will remove the mobile pay option from all categories in both columns.
Copy Spend
Copies all spend amounts and their units of time from one column to the other. Does not copy mobilepay indicator.
Total Earnings
The sum of all spend and bonuses above this line and the cash value of it all.
From Spending
From Bonuses
From Loyalty
Cash Value
Cash value of total earnings based on currency worth.
Monetary Bonuses & Fees
Cash bonuses, annual fees, authorized user fees, and any other listed fees.
Monetary Bonuses
Annual Fee
Auth User Fee
Cash Bonuses
Annual Fee
Auth User 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 based on spend, benefits, and fees.
Total Return
The percent you are earning based on spend, earnings, and fees.

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