GAP

This card is built for regular Gap shoppers who do a meaningful share of their clothing spending with the brand and want a simple way to earn store rewards without paying an annual fee. It is much more of a specialist retail card than an everyday spending card, since its strongest value is concentrated at Gap and it only earns a basic rate elsewhere.

Annual Fee

Rec. Credit Score

Good

Good For

Frequent Gap shoppers

How to Apply Estimate your value

All information about GAP has been collected independently by MaxRewards. GAP is no longer available through MaxRewards.

Opinions, reviews, analyses & recommendations are MaxRewards' alone, and have not been reviewed, endorsed or approved by any of these entities.

Overview

Is the GAP worth it?

This card is great for...

Gap brand purchases

No annual fee store rewards

Occasional clothing spending

If you shop at Gap often enough to keep using the rewards you earn, this card is a reasonable fit. The value is straightforward: 5% back in Gap points on Gap purchases is solid for loyal brand shoppers, and the $0 annual fee means there is little downside to keeping it for those purchases.

For most other spending, though, this is not a card to build around. The 1% return everywhere else is easy to beat with a general cash back card, and there are no listed travel, purchase, or lifestyle benefits to broaden its appeal. This card makes sense as a brand-specific add-on for Gap purchases, not as a primary card for everyday use.

MaxRewards Verdict

A good no-fee option for people who regularly buy from Gap and want simple store rewards on those purchases. Outside the brand, its value is limited, so most readers should pair it with a stronger everyday card or skip it entirely.

Earning

Rewards

The rewards setup here is easy to understand: strong earnings at Gap, basic earnings everywhere else. The key question is whether you spend enough with the brand to make a store-focused rewards card worth carrying.

CategoryRate

GAP

Everywhere

Rewards percent based on a valuation of 1¢ per GAP point

Eligibility

Recommended Minimum Credit

Min: Good

Poor

Fair

Good

Excellent

Good credit or higher is recommended for this card.

Credit approval is not guaranteed. Meeting the recommended credit range does not ensure approval, and applicants with lower scores may still be considered.

Pricing