GAP Inc. is an omnichannel retailer chain based in the United States. The company has different brand names under which it carries out the business in the domains of apparel, accessories, and personal care products for men, women, and children. The brand names include GAP, Banana Republic, Old Navy, and Athleta.
GAP brand deals in clothing for men, women, and kids. There are around 428 GAP retail stores across all states of the US. The total stores of all subsidiaries of GAP Inc. are over 3700+ worldwide. If we talk about the company’s history, it was established in 1969 in San Francisco, California.
GAP Inc. is considered the 3rd largest omnichannel retailer in terms of total internal locations. If we talk about the GAP apparel brand offers a credit card program for regular shoppers. In today’s article, we are going to talk about the GAP credit card program and everything you need to know about it.
So let’s get into it.
What Is GAP Credit Card Program?
GAP brand has collaborated with Synchrony Financials and Barclays to offer credit cards to regular shoppers. There are three credit cards issued for regular shoppers:
- GAP Good Rewards Credit Card
- GAP Good Rewards MasterCard
- Gap Inc. Visa Signature Credit Card

Barclays issues GAP Good Rewards Credit Card and Rewards Mastercard. At the same time, Synchrony Financials used to issue Visa Signature Credit Cards. However, as of June 2022, Synchrony Financial is no longer issuing GAP cards. Now, only Barclays issues credit cards to customers.
Features And Benefits Of GAP Credit Card
Let’s talk about the features and benefits of a GAP Credit card. The features and benefits of the GAP Goods Rewards Mastercard are as follows:

Rewards And Discounts
You are entitled to different rewards, discounts, and members-only benefits as a GAP Goods Reward Mastercard holder. Every GAP, Banana Republic, Old Navy, and Athleta purchase is eligible for rewards.
Since it is a Mastercard, you will earn 1 point on every $1 spent on stores outside the family of GAP Inc. brands. Every $1 spent is equal to 5 points, and you can redeem these points to get discounts. One hundred points are equal to a discount of $1, and you can pile up points to use for purchases in the future.
Discount On First Purchase
When you decide to get a GAP Good Rewards Mastercard, you will receive a 25% flat discount on the first purchase made at GAP stores or the online website.
No Annual Fee
There is no maintenance fee on the GAP Goods Rewards Mastercard. Therefore, you won’t have to worry about carrying another credit card.
Free Shipping
As a regular shopper of GAP, you might often want to shop online. And when you have a GAP Goods Rewards credit card with you, you can enjoy free shipping on purchases above $50.
Long Payment Terms
Unlike most credit cards, the terms of payment on GAP Goods credit cards are very convenient. The company gives you more time to repay your credit bill without getting a late payment fee.
Flexible APR
The company uses flexible APR for different transactions made via the GAP Goods Rewards Mastercard. For instance, the APR for purchases is 29.74% and 29.99% for cash advances.
Quarterly Bonus
The eligible cardholders are entitled to quarterly bonuses based on their purchases. Each level account is entitled to different bonuses. For instance, Enthusiasts get 250 pts, Icon gets 500 pts, and the core gets 125 pts.
- Core: having less than $500 spending on brand stores/website
- Enthusiast: cardholder having purchases on family brands between $500 and $999.
- Icon: having $1000+ spending on all family brands in a year
Worldwide Acceptability
Since it is a Mastercard, you can use it for making purchases anywhere in the world where Mastercard is accepted. Not only this, you get 1 point on every $1 spent on places other than GAP Inc. family brands.
Qualification Criteria For GAP Credit Card
Since Barclays is offering the GAP credit card, the qualification criteria are also determined by the bank. If you want to become a member of the GAP credit card program, you must meet the following qualification criteria to be eligible:
- Anyone at or above the age of majority according to the state rules
- Must be a citizen of any state of the United States
- Must have a physical address and IP of the US
- Proof of income to show you can cover the expenses
- Debt to income ratio for determining the disposable income
- An excellent credit score of above 630 or around 850
How To Apply For GAP Credit Card?
If you want to become a cardholder of the GAP Mastercard program, you will need to file an application. So what is the procedure to apply for a GAP credit card?
Here is the step-by-step guide to applying for GAP Rewards Mastercard:
- Visit the official webpage of Barclays for GAP credit cards here.
- Since you are just starting the application process, you will look for the Don’t Have a Card option. There is a Learn More button right down the option, and you will click on it.
- You will be redirected to a new page where you can start the application process. Tap on Apply Now button.
- Now you will be on the form-filling page. Scroll to the bottom of the page, where you must enter the required information in the empty fields. Enter the last four digits of your SSN and also your mobile phone number. Tap on Continue.
- It will open a new form where you will create your username, password, etc. Follow the on-screen prompts and complete the application process.
Activation Of GAP Credit Card
Once you are approved and receive your GAP rewards Mastercard, it is time to activate the card. Here is the step-by-step guide to activating your GAP card:
- Open the official webpage of Barclays for GAP card activation here.
- The page will have empty fields which you need to fill in for card activation. Start with entering your credit card number.
- Fill in the security code, the last four digits of your SSN, and your occupation from the given options.
- Once filled, tap on Activate.
- You will be redirected to a new page. Follow the on-screen instructions and complete the activation process.
Registration For Online Access
Although you can use your card anywhere after activation, you will still need to register for online access to manage your GAP Mastercard account. Here is the step-by-step process to register for online access to Mastercard:
- Visit the official webpage of Barclays for the card member login here.
- The page will have a card member sign-in form, but you have to set up your online account. Look for the option Set Up Online Account and click on it.
- You will be redirected to a new page with a verification form. Fill the data in the empty fields as required.
- You will enter the last four digits of your SSN, card number, and occupation you selected during the card activation process. Tap on continue.
- Once your ID is verified, you can create your online access account. Provide the email address, phone number, etc., and create your new username & password.
- Verify the account, and you can use the same for future logins.
Log In To Manage Your Credit Card and Paying GAP Credit Card Bill

The company has made it very convenient to pay your credit card bills. You can use almost every method except in-store payment of your bills. So let’s discuss each of the payment methods.
Make Payment Online
Let’s start with clearing your credit card bill online. Here is the complete step-by-step guide to doing so:
- Sign in to your Gap Barclays account with the username and password created during online access registration.
- Go to the Payments Section from the dashboard.
- Enter your bank account details and pay your bill in a few clicks.
Make Payment Via Phone
You can also make your credit card payments via phone call. You will need your bank routing number, bank account number, credit card bill, and credit card number. Make the call to the GAP Barclays number and follow the instructions to complete the payment.
The number for credit card payment is as follows:
866-383-5315
You can make a call during working hours on weekdays to make your credit card payments.
Make Payment Via Mail
You can send your payment checks, money orders, or physical instruments to the mailing address for GAP Mastercard payments. Here is the mailing address for making payment:
GAP Credit Card
P.O. Box 13337
Philadelphia, PA 19101-3337
GAP Credit Card Customer Service
Via Call
Customer care support is available during working and normal business hours. You can call on the following number to talk to customer support: 866-383-5315
By Mail
Alternatively, you can send your credit card-related queries to the mailing address of the GAP Credit cards
GAP Credit Card
P.O. Box 13337
Philadelphia, PA 19101-3337