Related Card Offer: Horizon Gold Credit Card APR: 0%* Intro APR: None Annual Fee: See Terms Apply Now

GapCard

Important Rates:
The lowest available APR is variable, meaning that the rate can change as U.S. prime rates fluctuate. You can find out how to compute your APR in the programs terms and conditions. For example, you may be instructed to add 21.74% to the U.S. prime rate.

There is no annual fee for this card.*

Rewards:
This card is a store or brand specific rewards card, where you can expect rewards, gift certificates, or even rebates for your purchases.

Credit Record Needed:
Based on the FICO score recommendation, the issuer may expect that applicants may have had problems with their credit history, or are working on building their credit reputation. A FICO credit score of 594 is recommended for a higher chance of approval, but this is not required. There are a number of other factors that this issuer may also consider when making decisions for approval.

Other Basics:
The grace period listed for the GapCard is at least 26 days*. So interest charges will not be applied for purchases during those days. Be aware that some issuers will begin charging interest on cash advances and balance transfers on the transaction date.

This is a store or catalog card, not a traditional credit card. Acceptance of this card is normally bound to a specific store or catalog.

Approval Rate:
There were 9 people that reported their status to us after they applied. They provided us with helpful qualification information, including their credit scores, the rates offered to them, household income and more. 89% of those applicants were approved.

The approval rate for this card is moderately high. Furthermore, if your FICO score is close to or higher than 594, then your chance of approval may be even greater.

Approval Time:
Approval time for this offer is not listed. You could expect a possible instant decision, but you should expect a final credit decision within 1-2 weeks.

Offer Details:

• Earn Rewards with every purchase*
  
• Redeem Rewards at the Gap Inc. family of brands*
  
• Cardmember-only offers, promotions and discounts
  

GapCard is accepted at the following: Gap, GapKids, babyGap, GapBody, Gap Outlet, Gap Online stores, Banana Republic, Banana Republic Factory, Banana Republic Online stores, Old Navy, Old Navy Outlet, Old Navy Online stores, and piperlime.com. GapCard is also accepted when you call 1.800.GAP.STYLE in the US.

The Gap Rewards Program is automatically available to each Gap Credit Card customer (including employees of Gap Inc. ) whose account is in good standing and not more than 2 payments past due at the time certificates are issued and redeemed. You can use your Gap Credit Card at any Gap, Old Navy or Banana Republic retail, online, or Outlet/Factory store located in the U.S., Puerto Rico, Canada and at Piperlime.com. For every dollar in purchases charged to your Gap Credit Card, you will earn one rewards point. Each time you earn 200 net rewards points (points earned for all merchandise purchased minus returns and adjustments), one $10 certificate will be issued. Rewards certificate(s) will be sent out within one to two billing cycles. Certificates are non-transferable and may only be redeemed toward purchases charged to your Gap Credit Card at stores listed above. Certificate(s) used in store must be surrendered at time of purchase. Restrictions may apply on returns of merchandise (see reward certificate for details). Reward certificates cannot be combined with any non-sale related promotional offer. Customer can redeem multiple reward certificates on a single transaction in store. Subject to certain limitations, customer can redeem multiple reward certificates on a single transaction online. The value of the purchase must be equal to, or greater than, the value of the certificate(s). Certificate(s) cannot be used as payment on an account, redeemed for cash or used for purchasing GiftCards or online gift certificates. Certificate(s) must be used by expiration date. Lost or stolen certificates are not replaceable. This Rewards Program may be changed or discontinued at any time. Some restrictions apply to employees of Gap Inc.

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**  APR average does not include cards where APR is 0%, unless viewing offers in the secured card category. "Annual fee average" contains the average of all fees in a specific category (Consumer cards), even where the fee is $0. This data is subject to Finance Globe's terms and conditions.

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