GAP Factory Store Credit Card: A Comprehensive Guide

The GAP Factory Store Credit Card, issued by Synchrony Bank, offers cardholders a unique opportunity to save while shopping at GAP and affiliated brands. This co-branded credit card is designed for avid shoppers who frequently visit the GAP Factory Store, allowing them to earn rewards and enjoy exclusive benefits. Below, we break down the essential details you need to know about this credit card.

Card Type

The GAP Factory Store Credit Card is primarily a co-branded retail credit card. It is tailored for customers who want to earn rewards specifically while shopping at GAP, Banana Republic, Old Navy, and Athleta.

Annual Fee

One of the attractive features of the GAP Factory Store Credit Card is that it comes with no annual fee. This makes it an appealing choice for consumers seeking a credit card that doesn’t add extra costs just for holding it.

Rewards Program

Cardholders can earn 5 points per dollar spent at GAP Factory Stores and affiliated brands. Points can be redeemed for rewards certificates, which are issued for every 1,000 points accrued. This rewards structure allows active shoppers to save significantly on future purchases.

Sign-Up Bonus

New applicants of the GAP Factory Store Credit Card can enjoy a $20 reward certificate after making their first purchase with the card. To qualify for this welcome bonus, you must complete your transaction within the first 30 days of account opening.

APR (Annual Percentage Rate)

The standard APR for the GAP Factory Store Credit Card varies depending on creditworthiness and market conditions but typically ranges from 25.99% to 29.99%. Keep an eye out for any introductory 0% APR offers that may apply on purchases for a limited time, making it a great time to combine purchases with interest savings.

Foreign Transaction Fees

If you are planning to shop while traveling abroad, it’s important to note that the GAP Factory Store Credit Card does have a foreign transaction fee of 3% on each purchase made outside the U.S. This could be a crucial consideration for international travelers.

Balance Transfer Options

The card does not currently offer any promotional balance transfer options, such as a 0% APR introductory period commonly offered by other cards. It’s wise to focus on the card’s rewards and perks rather than balance transfer capabilities.

Additional Fees

In addition to the foreign transaction fee, other fees include a late payment fee of up to $40 and a cash advance fee of either $10 or 5% of the amount of each cash advance. It’s essential to read the fine print to avoid unexpected charges.

Card Benefits and Perks

The GAP Factory Store Credit Card provides various benefits and perks, including special promotions throughout the year, exclusive access to sales, and the ability to stack rewards on special shopping events. These perks are designed to enhance the shopping experience at affiliated stores.

Customer Protections and Insurance

Cardholders benefit from fraud liability protection as well as purchase protection on eligible purchases. This adds an extra layer of security when using your GAP Factory Store Credit Card near or far.

Eligibility and Credit Score Requirements

To be eligible for the GAP Factory Store Credit Card, applicants generally should have a credit score of 650 or higher. Other factors such as income and credit history might also be taken into consideration during the approval process.

Introductory Offers

As mentioned previously, this card may offer 0% APR for the first few months on purchases, allowing shoppers to finance their purchases without interest during that introductory period. Prospective cardholders should confirm this at the time of application.

Special Features or Unique Selling Points

The GAP Factory Store Credit Card is especially advantageous for shoppers who frequently purchase from multiple retailers within the Gap Inc. family, as it allows the collection of rewards across a broader spectrum of stores, enhancing its appeal beyond just GAP Factory.

How to Apply

Applying for the GAP Factory Store Credit Card is straightforward. You can complete your application online or in-store. To apply online, visit the UpCube.net. Don’t miss out—make the most of your shopping experience by applying today: