Gap Good Rewards Mastercard®

This card is worth considering if you regularly shop at Gap, Old Navy, Banana Republic, or Athleta and want to earn elevated rewards on those purchases. The main appeal is straightforward: you get stronger value at Gap brands, there is no annual fee, and there is no foreign transaction fee, which is a useful extra for a store card.

For most other spending, though, this is a narrow fit. The card earns just 1% back outside Gap purchases, and there are no notable travel, protection, or lifestyle benefits to broaden its appeal. If your wardrobe spending at Gap brands is consistent, this can be a useful secondary card. If not, a general cash back card will likely be more useful day to day.