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Gap Credit Card: How to Log In and Pay Your Bill Online

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The Gap credit card has been around since 2007. It offers many rewards and perks for customers who shop at its retail or online stores.

The GapCard comes in two versions, a store-only card and a Visa-affiliated Gap card. The store-only card can be used at Gap stores as well as Athleta, Old Navy, Intermix, and Banana Republic. The Visa-affiliated Gap card can be used anywhere Visa is accepted, and it also lets you collect bonus points for the Gap rewards program.

Other perks include special offers that earn extra rewards points when you shop on a Tuesday. You'll also get an additional 10% discount on Tuesdays and special birthday offers every year.

The card sets spending milestones, higher membership status levels will be unlocked once they're reached, and additional benefits will be given to the cardholder. There are three levels of membership available:

  • Core members spend less than $500 each year
  • Enthusiast members spend between $500 and $999 each year
  • Icon members spend $1,000+ a year or generate more than 5,000 points
Solution iconIn this blog post, we're going to share all the ways you can log in, pay and connect with the bank, all in one convenient place.

Go Online

You can apply online to get a Gap credit card by submitting the following:

  • The last 4 digits of your Social Security number
  • Your mobile phone number

Once you hit "Continue," you'll be sent a text to proceed with the application.

Gap Online Credit Card Application

According to their application page, "By applying, you agree that you'll first be considered for the Gap Good Rewards Mastercard, which can be used anywhere Mastercard is accepted. If not approved for the Mastercard, you'll then automatically be considered for the Gap Good Rewards Credit Card, which can be used across all Gap Inc. stores and online."

Sign up for online access and verify your identity by providing the following:

  • The last 4 digits of your Social Security number
  • Your 16-digit card account number
  • Your current occupation (choose from a drop-down menu)

After completing this step, you should be able to log in to your account.

Gap Credit Card Login Page

Login to your account from your computer by entering your information before you click "log in."

  • Username
  • Password

Once you log in to your account and you will be able to:

  • Keep track of your purchases
  • Pay your bills
  • Set up autopay
  • Set up custom alerts
  • View essential documents
  • Report a lost or stolen card

If you've forgotten your username or password, just go to your login page and click the link that says "Forgot username or password?" Once you enter the last 4 digits of your Social Security number, birth date, and credit card number, you'll see the option to reset your password and username.

Download the Gap's mobile apps:

Make a Call

You can also make a call to start a secure application process at: 1-800-308-6008

Call for customer service at any of the Gap stores:

  • 1-800-887-1198: Gap credit card customer service
  • 1-866-450-4467: Gap credit card accounts
  • 1-800-GAP-STYLE: Gap Outlet
  • 1-888-BR-STYLE: Banana Republic
  • 1-800-OLD-NAVY: Old Navy
  • 1-877-3ATH-LETA: Athleta

Calls are answered:

  • 24 hours a day, 7 days a week
  • The best time to call is 10:00 am

Get to a live person faster by pressing 0# each time it asks for a card number or Social Security number, then say "Representative" until transferred to a live person.

Person Making a Phone Call

Call the Gap headquarters at: 1-800-333-7899

Get in touch with Gap credit card's customer service faster by going to GetHuman's website. Type "Gap credit card" in the search bar, and you'll find the store's customer service number. The site also gives you the following:

  • The current wait time to talk to a human
  • The option to skip waiting on hold
  • The opportunity to get targeted help for:
    • Account access
    • To get banking help
    • To cancel your account
    • To dispute a charge
    • If you are having trouble sending a payment
    • If you have a different issue

You can also chat with an expert online now with Get Human's Just answer experts.

Mail a Letter

Person Holding a Letter

Send correspondence to the Gap's head office:

Gap, Inc


San Francisco, CA

Send correspondence to the Gap's Head Bank Delaware:

Barclays Bank Delaware

P.O. Box 8801

Wilmington, DE 19801

Visit a Gap Store

Walk into any of the 428 Gap stores in the country, and you'll be able to apply in person to get your Gap credit card. Find a Gap Retail store or one of their factory stores in your location.

Gap Store Locations

Visit their global corporate office at:

San Francisco Gap

2 Folsom Street

San Francisco, CA 94105

FAQs about Logging in and Paying Your Gap Credit Card

Q: How can I access my Gap credit card without entering my username and password every time?

A: When you go to your login page, you'll see a box you can tick beside the words "Remember username." Once you've done this, your username and password will automatically populate the next time you try to log into your account.

Q: How can I pay my Gap credit card bill online?

A: Login to your account and then follow this process:

  • First, select "Payments."
  • Next, select "Make a payment" from the navigation menu.
  • If it's the first time you are making a payment, you'll need to link your bank account by selecting "Add a bank account" and following the instructions.
  • Enter the amount you want to pay.
  • Select your payment date.
  • Choose the bank account you want to use.
  • Select "Review and verify."
  • Select "Pay now" to complete your payment.

That's all you'll have to do to pay your bill online.

Looking For Information

Q: What credit score do I need to qualify for a Gap credit card?

A: A credit score in the lower 600s may qualify you for the Gap store card, but a higher credit score near the 700s is needed for the Gap Visa.

Q: Will the points I accumulate expire?

A: Points won't expire if you make at least one purchase a year.

Q: How do I redeem my rewards?

A: Use your phone number and email address to redeem purchases made at Gap stores and Athleta, Old Navy, Intermix, and Banana Republic.