Gap Credit Card Review

A Gap credit card can earn loyal shoppers lots of discounts, cash back rewards, and other perks, IF the shopper knows how to use it properly. This in-depth review will show you how.

The Gap was originally created to market to a forgotten generation. The idea for the original Gap stores arose from a problem that most people can relate to: Founder Don Fisher couldn't find a pair of jeans that fit right. He and his wife opened the first Gap store in 1969 in San Francisco, selling Levi's jeans and vinyl records to attract a young clientele. Today, the store has evolved to a conglomerate retailer offering comfortable, stylish, mostly affordable clothing to young generations of shoppers, both in-mall and online. The Gap is part of a family of stores that share that same vision, including: Banana Republic, Old Navy and Athleta. The Gap offers a store card, the GapCard, and a Visa option called Gap Visa.

Either GapCard or Gap Visa can help you rack up rewards when you shop in Gap and affiliated stores. Save money on purchases made at Gap, GapBody, babyGap, GapKids, Gap Maternity, Gap Outlet, Gap Factory Store, Banana Republic, Banana Republic Factory Store, Old Navy, and Athleta by accumulating points on purchases. If you shop at Gap only, that’s okay. You’ll get a significant discount on all purchases at the counter (or online) when you buy at a Gap store (or online). With both cards, you’ll also be eligible to achieve a signup bonus. The basic rewards are the same for both, but the Gap Visa can be used anywhere Visa is accepted, and the GapCard is limited to Gap family stores.

If you're someone who loves clothes from the Gap and wants to earn cash rewards to use toward purchases, then this card is a good fit for your wallet. There are two different card versions: The GapCard, for use only in Gap Inc. brand stores, and the Gap Visa Card, which can be used anywhere Visa is accepted. Another plus is that Gap also owns the popular chains Banana Republic, Old Navy, and Athleta, and you can use your Gap card to earn points at those locations as well. However, you can only redeem any rewards at Gap, which is a major drawback. Still, for loyal Gap shoppers, this card offers a large boon of rewards that can help you save money on everything from corduroys to your favorite comfy socks. That’s not a bad deal.

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Editorial Note:

Any opinions, analyses, reviews or recommendations expressed on this page are those of the author's alone, and have not been reviewed, approved or otherwise endorsed by any card issuer.