Gap Good Rewards Visa Credit Card

Pick this Synchrony Visa only if a real chunk of your spending lands at Gap, Old Navy, Banana Republic or Athleta, where it earns 5 points per $1 against 1 point everywhere else. Spend $2,000/yr in those stores and you're looking at roughly 10,000 points; spend it on groceries or gas instead and a flat-2% cash card beats it badly, so skip this if the brands aren't already in your closet. No annual fee and no foreign fee as of 2026, but the regular APR is store-card high once you carry a balance, so confirm the rate on Synchrony's site before applying.

Gap Good Rewards Visa Credit Card at a glance

Rewards & perks

• Earn 5x across every Gap Inc. label, including Old Navy, Banana Republic and Athleta
• Accumulated points turn into redeemable rewards toward future savings
• Access to sales reserved for cardholders plus periodic bonus point promotions

Pros

• Carries no annual fee
• Generous earn rate spread across several Gap Inc. brands
• The Visa edition works at any merchant that takes Visa

Cons

• Drops to just 1x on spending outside the Gap brand family
• Points can only be cashed in at Gap-owned stores
• The store version carries a high APR

Who should apply

• A credit profile in the fair-to-good range
• Enrollment in a Gap Good Rewards account
• Income adequate to back the credit line

Before you apply: card terms change often. Confirm the current annual fee, APR, welcome offer and rewards on the official Synchrony site. CreditCardCompare is an independent comparison resource, not the card issuer, and this is not financial advice.