Gap Silver Credit Card Calculator

Gap Points Calculator for the Gap Silver Card. Calculate total points based on spend and compare against other top retail cards including other Gap cards.
Updated 2020-07-16 By Robert Flowers III

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.

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

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

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.

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.

Gap Silver Card FAQ

How many points can I earn with the Gap Silver Card?

You can earn 5 Gap Rewards Points per $1 spent at Gap Brands and 1 Gap Rewards Point everywhere else.

What benefits comes with holding the Gap Silver Visa?

You'll receive 10% off Gap purchases, free shipping, quarterly point bonuses, an annual birthday gift, and much more.

Is the Gap Silver Visa Card the best Gap Inc. credit card?

It depends on the benefits. Most of the Gap Inc. credit cards have the same earning stucture and offer similar rewards. You can use the Gap Silver Visa Card Calculator to compare this card against other Gap Inc. cards.

Does the Gap Silver Visa Card have an annual fee?

No. The Gap Silver Visa Card does not have an annual fee.

What are considered to be Gap Brands?

Gap Brands are considered to be Athleta, Gap, GapBody, babyGap, GapKids, Gap Maternity, Gap Outlet, Gap Factory Store, Banana Republic, Banana Republic Factory Store, Old Navy, and Old Navy Outlet.

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