Gap Store Card Calculator

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.
Updated 2020-07-16 By Robert Flowers III

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.

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

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
    • 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 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.

Perks & 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.

  • 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 Store Card.
  • Cardmember Only Offers and Promos
  • Bonus Point Shopping Days

Sign Up Bonus

The standard sign up bonus for the Gap Store Card is 20% off your first Gap or Gap Factory purchase. 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.

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 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.

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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