Gap Silver Store Card Calculator

Card Details & Gap Rewards Points 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.

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
    • 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

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.

Perks & Benefits

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

  • 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 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.


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 other rewards card side-by-side by clicking on the Compare A Card button.
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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.
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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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