GAP Silver

The GAP Silver card is built for regular Gap Inc. shoppers who spend often at GAP and want a simple way to earn more back on those purchases without paying an annual fee. It works best as a store-focused card, not as an everyday rewards card for broad spending.

Annual Fee

Rec. Credit Score

Good

Good For

Frequent Gap shoppers

How to Apply Estimate your value

All information about GAP Silver has been collected independently by MaxRewards. GAP Silver 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 Silver worth it?

This card is great for...

Gap brand purchases

No annual fee store rewards

Occasional everyday spending

This card is worth considering if you shop with GAP often enough to make the elevated rewards rate meaningful. With 6% back in GAP rewards on GAP purchases and no annual fee, it can be a reasonable add-on card for loyal customers who already buy clothing and basics from the brand.

For most readers, though, this is a narrow-use card. The 1.2% return on non-GAP spending is not strong enough to justify using it as your main card, and there are no notable side benefits to widen its appeal. If GAP is one of your go-to retailers, it fits well in a very specific role. If not, a general cash-back card will usually be more useful.

MaxRewards Verdict

A solid fit for loyal GAP shoppers who want extra rewards on brand purchases at no annual cost. Outside that lane, the card is limited and works better as a secondary store card than a primary wallet card.

Earning

Rewards

The rewards setup here is straightforward: strong value at GAP, modest value everywhere else. Think of it as a retailer card that pays off when most of its use stays with the brand.

CategoryRate

GAP

Everywhere

1.2%

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