Gap Credit Card Calculator

Review the benefits offered by the Gap Credit Card, calculate how many Gap Rewards Points you can earn, and compare results side by side top cards.
Updated 2020-07-16 By Robert Flowers III

The Gap credit card is a solid option if you're looking to earn a great return on Gap, Gap Factory, and other Gap brand purchases. On top of offering a great return, you'll earn a discount when shopping specifically at Gap or Gap Factory stores, receive access to exclusive events and discounts, and much more. Assuming you pay off your balance in full every month to avoid the high interest of store credit cards, it's a great card to have for anyone that loves shopping with Gap.

Quick Details
Issuing Bank
Card Network
Rewards Earned
Annual Fee
Authorized User Fee
Foreign Transaction Fee

Bonus Categories

The Gap Card features one bonus category which is shopping at Gap brand stores. There's no limit to the amount of bonus points you can earn spending at Gap brand stores and no limit to how much 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 Card comes with a healthy amount of benefits that's good if you're a fan of Gap and Gap brand stores.

  • Annual Birthday Gift
    • Must have made at least one purchase on your card within the last 12 months.
  • Spend Your Way To Silver Status
    • Earn 5,000 points during the calendar year to be upgraded to Gap Silver status.
    • When upgraded, you will receive the Gap Silver Credit Card.
  • Cardmember Only Offers and Promos
  • Bonus Point Shopping Days

Sign Up Bonus

The standard sign up bonus for the Gap credit card is 20% off your first Gap or Gap Factory product purchase along with free shipping to a U.S. address (Puerto Rico included). If you open a new Gap credit card account online, you'll be sent a 20% discount code in which you'll have 30 days from account opening to use. If you open it in-store, it will apply to the first purchase you make at the register if you're approved.

Bonus Points

You can earn an easy 1,000 bonus points by signing up for Gap Inc brand emails and enrolling in paperless credit card statements once you have your card.


Annual Fee

The annual fee for the Gap Credit Card is $0. This means you'll always earn a great 5% return when making purchases at Gap brand stores. Remember to pay off your statement balance IN FULL every month otherwise you'll be paying interest which will feel like an annual fee and eat away at your earned rewards.

Authorized User Fee

There is no fee to add authorized users to your Gap Credit Card. If you have family or friends that shop at Gap brand stores, adding them can help you earn more points and help you obtain Gap Silver faster.

Foreign Transaction Fee

The Gap Credit Card has a foreign transaction fee of 3%. That means you will be charged a fee when you use this card outside of the United States making this a bad card for international purchases as well as international travel. I highly recommend only using this card in the United States.

Rewards Calculator

You can use the 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 the value of the rewards earned and how much each benefit is worth to you, minus the annual fees. You can click the Compare A Card button to compare this card side by side any other card featured on the site within the same calculator.

Note! All category spend entered in the primary card's column (first column when comparing cards) will carry over to all credit card calculators on the site. This means you will not have to re-enter the same information again and again when browsing during the session.

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
Edit Card Options
Compare A Card
Family Cards
These cards are part of the same family.
Similar Cards
These are similar cards based on earning structure and other benefits (that aren't part of the same family).
Search Cards
Search for credit cards by name, rewards program, or rewards currency.
Search Results Display Here
Category 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 rewards earned from Category Spending and Reward Bonuses, along with the cash value of it all based on Currency Worth.
From Spending
From Bonuses
From Loyalty
Cash Value
Cash value of Total Earnings based on Currency Worth.

Rakuten Rewards

$25 Bonus
Earn $25 or 2,500 Membership Rewards Points when you sign up for a Rakuten Rewards account and make a $25+ purchase. Rakuten and other cash back portals allows you to easily double and triple dip on rewards. I recommend using portals when booking travel or shopping online. You can sign up through The Point Calculator referral link to help out the site.
Sign Up For Free | Rakuten Review
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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