Gap Good Rewards Visa Credit Card
A co-branded Visa (issued by Synchrony) that earns Gap Good Rewards points across the Gap family of brands and elsewhere, redeemable for cardholder savings.
Why it ranks
- No annual fee
- Strong rewards across multiple brands
- Visa version usable anywhere
What holds it back
- Low 1x rate outside Gap brands
- Rewards only redeemable at Gap brands
- High store APR
Advertiser disclosure: we may be paid if you apply through our links. Ratings are editorial. Confirm today's terms on the issuer's site — offers change.
A co-branded Visa (issued by Synchrony) that earns Gap Good Rewards points across the Gap family of brands and elsewhere, redeemable for cardholder savings.
Gap Good Rewards Visa Credit Card at a glance
| Issuer | Synchrony |
| Card network | Visa |
| Annual fee | No annual fee |
| Welcome bonus | Bonus points or discount on your first purchase as a new cardholder |
| Rewards rate | 5 points per $1 at Gap, Old Navy, Banana Republic and Athleta, and 1 point per $1 everywhere else the Visa is accepted |
| Intro APR | None |
| Regular APR | See terms |
| Foreign transaction fee | None |
| Credit needed | Fair to Good (640+) |
| Best for | Shoppers loyal to Gap, Old Navy, Banana Republic and Athleta |
| Airport lounge access | No |
Rewards & benefits
- 5x across all Gap Inc. brands
- Points convert to rewards for savings
- Cardholder-only sales and bonus point events
Eligibility & who it suits
- Fair-to-good credit score
- Gap Good Rewards account
- Sufficient income to support the line
How to apply
Check current rates on Synchrony’s official site →
This opens the issuer’s official application page in a new tab. We may earn a commission if you are approved — it never changes the terms you receive.
Rates, fees, welcome offers and benefits are provided for general information, can change at any time, and may not reflect current terms. Always confirm the latest details on the issuer’s official site before applying. This is not financial advice.
How it ranks against similar USA cards
| Rank | Card | Annual fee | Rewards | Welcome offer | Foreign fee | Who qualifies | Score |
|---|---|---|---|---|---|---|---|
| 1 | SSynchronyGap Good Rewards VisaNo annual fee · US Gap Good Rewards Visa Credit CardShoppers loyal to Gap, Old Navy, Banana Republic and Athleta |
None | 5 points per $1 at Gap, Old Navy, Banana Republic and Athleta, and 1 point per $… | Bonus points or discount on your first purchase as a new car… | None | Fair to Good (640+) | |
| 2 | A/Amazon / ChasePrime Visa AmazonNo annual fee · US Prime Visa (Amazon)Amazon Prime members and frequent online shoppers |
None | 5% at Amazon, Whole Foods, Amazon Fresh & Chase Travel (with Prime), 2% gas/dini… | Amazon gift card on approval | None | Good (690+) | |
| 3 | TTargetRedCardNo annual fee · US Target RedCard Credit CardRegular Target shoppers |
None | 5% off at Target & Target.com, plus free 2-day shipping and extended returns | Discount for new cardholders | N/A | Fair to Good (640+) | |
| 4 | SSynchronySam's Club MastercardNo annual fee · US Sam's Club MastercardSam's Club members who buy a lot of gas |
None | 5% back on gas (on the first $6,000/yr, then 1%), 3% on dining and takeout, 3% o… | Statement credit after a qualifying purchase soon after open… | None | Good (690+) |
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