Gap Credit Card – How to Apply and Activate

Gap credit card is issued by Synchrony Bank. The Gap credit card comes with many rewards and also discounts for daily shoppers on the Gap Inc. Stores including banana republic, Athleta, Old Navy and Gap.

Gap Credit Card - How to Apply and Activate

Gap Card Benefit

Gap credit card offers you the following benefits;

  • You get free bonus points on shopping days.
  • Every customer get a special birthday present.
  • 10% of whenever you shop at the Gap factory stores and Gap.
  • Receipts are not necessary for returns.
  • Free access to special events with discounts.
  • You get free online shipping.
  • You get built-in discounts at Gap.
  • Also, you can save money and also earn rewards.
  • You can get insider fashion news.
  • You get $5 reward for every 500 points you get.

Rates And Fees

Below are the interest rates and fees;

  • Annual fee – Nil.
  • Minimum Interest Charge – $2.
  • Late fee -$38.
  • APR Purchase Rate -25.24%.
  • Cash advance fee – N/A.
  • Foreign Transaction fee –N/A.


To apply for the Gap credit card follow the steps below;

  • Go to the Synchrony financial portal.
  • Then fill out the form with First name, M.I (Optional), Last name, Suffix (Optional), Street address, Apt# (Optional), Zip Code, City & State, Primary Phone, Type, Alternate Phone, Type, Email Address, Confirm Email Address, SSN/ITIN, Date of Birth and Annual Net Income.
  • Then click on the box to add Joint applicant.
  • Once you are done, tap on “Continue”.

How to Activate

To activate your Gap credit card, dial the number on the sticker when you receive your card.

How to Login

You can log in to have the access to manage your account, follow the below;

  • Head to the login page.
  • Fill in your User ID and Password.
  • Then tap on “Secure Login”.

How to Reset your Gap Credit Card Password

Follow the steps to reset your password;

  • Navigate to the login page and click on “Forgot password” tab.
  • On the new page you are directed to, type in your account number, the last four digits of your social number and your date of birth.
  • Tap on “Continue” to commence the first phase.

Make Bill Payment with Gap Credit Card

Making payment with the Gap credit card is very easy and fast, follow below;

  • Online Payment: You can set Autopay, so that your payment will be automatically renewed each month on the due date.
  • Mobile Payment: Dial 1-800-887-1198 to pay by mobile.
  • Mail Payment: Synchrony Bank

P.O Box 960061

Orlando, FL 32896-0061.

Customer Care

Dial 800-887-1198 to speak to the customer care service.

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