Editorial disclosure: CardRewards.ai is an independent comparison service. Card data comes from issuers' published terms; data as of September 27, 2026. Card issuers do not influence our rankings or content.
Top picks for Gap from our scoring engine.
Rankings are generated by our algorithm based on earn rates, point valuations, fees, and benefits — not paid placement. We don't accept compensation to rank cards higher. How we rank
Ranked by earn rate and redemption value, statement credits minus annual fees (weighted against a typical $30,000/year in total card spend), shopping portal bonuses when we recognize the merchant, matched benefits and promotional earn boosts, co-brand fit for this brand. The ¢ per dollar column is the reward rate at Gap. Order can differ from that column because ranking adds the adjustments above.
Athleta Rewards Mastercard® earns the top spot for Gap purchases at 5.0¢ per dollar at gap — no annual fee. We ranked every card in our database against Gap purchases using the same scoring engine that powers our search. See the note above the list for what drives order versus the ¢ per dollar column. Cards 4–10 are still solid picks; they just trade off some headline earn rate for fewer fees, broader networks, or simpler redemptions.
Barclays
Cardless
Capital One
Athleta Rewards Mastercard® earns 5.0¢ per dollar at Gap, the highest marginal rate in our list for this brand. Without an annual fee, the math is simple — every dollar you spend earns immediately. It's the right pick if you want maximum earn rate on this category and don't mind a focused rewards structure.
Side-by-side view of the ranked picks.
| Card | Gap Rate | Effective Value | Annual Fee | Fee Offset | Network |
|---|---|---|---|---|---|
| Athleta Rewards Mastercard®Barclays | 5x points | 5.0¢/$ | $0 | — | mastercard |
| Bilt Palladium CardCardless | 2x Bilt Rewards | 4.4¢/$ | $495 | $300 | mastercard |
| Capital One Venture X Rewards Credit CardCapital One | 2x Venture Miles | 3.7¢/$ | $395 | $315 | visa |
| Banana Republic Rewards Mastercard®Barclays | 5x points | 5.0¢/$ | $0 | — | mastercard |
| Gap Good Rewards Mastercard®Barclays | 5x points | 5.0¢/$ | $0 | — | mastercard |
| Old Navy Encore Mastercard®Barclays | 5x points | 5.0¢/$ | $0 | — | mastercard |
| Navyist Rewards Mastercard®Barclays | 5x points | 5.0¢/$ | $0 | — | mastercard |
| Gap Encore Mastercard®Barclays | 5x points | 5.0¢/$ | $0 | — | mastercard |
| Citi Strata Elite℠ CardCiti | 1.5x ThankYou Points | 2.4¢/$ | $595 | $762.50 | mastercard |
| The Platinum Card from American ExpressAmex | 1x Membership Rewards | 1.5¢/$ | $895 | $1,397 | amex |
Other brands in Apparel & Accessories where the top picks above also earn well.
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