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Best Credit Cards for Gap

Ranked by real value with filters for fees, issuers, rewards, and transfer programs.

CardRewards.ai helps you find the best credit card for your spending with data-driven recommendations, side-by-side comparisons, and expert analysis.

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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.

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Best Credit Cards for Gap

Ranked by real value with filters for fees, issuers, rewards, and transfer programs.

Resolved as:GapCached
85%
112 matches602ms

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

Athleta Rewards Mastercard®
1

Athleta Rewards Mastercard®

Barclays

5x points on Gap

Why this card

  1. 1.5x on gap ($300/yr on $6,000 spend)
  2. 2.Early Access to Select Sales
  3. 3.Free Fast Shipping

No annual fee

MASTERCARDCore Rate
5.0¢
per dollar on gap
No annual fee
Annual rewards$300
Net annual value$300
2

Bilt Palladium Card

Cardless

2x Bilt Rewards on Gap
2x × 2.2¢/pt = 4.4¢ per dollar

Why this card

    $300 in credits offset the $495 fee

    MASTERCARD
    4.4¢
    per dollar on gap
    $495/yr($300 in credits)
    Annual rewards$264.00
    + Credits$300
    − Annual fee$495
    Net annual value$69
    3

    Capital One Venture X Rewards Credit Card

    Capital One

    2x Venture Miles on Gap
    2x × 1.9¢/pt = 3.7¢ per dollar

    Why this card

      $315 in credits offset the $395 fee

      VISA
      3.7¢
      per dollar on gap
      $395/yr($315 in credits)
      Annual rewards$222
      + Credits$315
      − Annual fee$395
      Net annual value$142
      Banana Republic Rewards Mastercard®
      4

      Banana Republic Rewards Mastercard®

      Barclays

      5x points on Gap

      Why this card

      1. 1.5x on gap ($300/yr on $6,000 spend)
      2. 2.Early Access to Sales
      3. 3.Receipt-Free Returns

      No annual fee

      MASTERCARDCore Rate
      5.0¢
      per dollar on gap
      No annual fee
      Annual rewards$300
      Net annual value$300
      5

      Gap Good Rewards Mastercard®

      Barclays

      5x points on Gap

      Why this card

      1. 1.5x on gap ($300/yr on $6,000 spend)
      2. 2.Receive 20% Off

      No annual fee

      MASTERCARDCore Rate
      5.0¢
      per dollar on gap
      No annual fee
      Annual rewards$300
      Net annual value$300
      6

      Old Navy Encore Mastercard®

      Barclays

      5x points on Gap

      Why this card

      1. 1.5x on gap ($300/yr on $6,000 spend)

      No annual fee

      MASTERCARDCore Rate
      5.0¢
      per dollar on gap
      No annual fee
      Annual rewards$300
      Net annual value$300
      7

      Navyist Rewards Mastercard®

      Barclays

      5x points on Gap

      Why this card

      1. 1.5x on gap ($300/yr on $6,000 spend)

      No annual fee

      MASTERCARDCore Rate
      5.0¢
      per dollar on gap
      No annual fee
      Annual rewards$300
      Net annual value$300
      8

      Gap Encore Mastercard®

      Barclays

      5x points on Gap

      Why this card

      1. 1.5x on gap ($300/yr on $6,000 spend)

      No annual fee

      MASTERCARDCore Rate
      5.0¢
      per dollar on gap
      No annual fee
      Annual rewards$300
      Net annual value$300
      Citi Strata Elite℠ Card
      9

      Citi Strata Elite℠ Card

      Citi

      1.5x ThankYou Points on Gap
      1.5x × 1.6¢/pt = 2.4¢ per dollar

      Why this card

        $762.50 in credits fully offsets the $595 fee

        MASTERCARD
        2.4¢
        per dollar on gap
        $595/yr($762.50 in credits)
        Annual rewards$144
        + Credits$762.50
        − Annual fee$595
        Net annual value$311.50
        10

        The Platinum Card from American Express

        Amex

        1x Membership Rewards on Gap
        1x × 1.5¢/pt = 1.5¢ per dollar

        Why this card

          $1,397 in credits fully offsets the $895 fee

          AMEX
          1.5¢
          per dollar on gap
          $895/yr($1,397 in credits)
          Annual rewards$90
          + Credits$1,397
          − Annual fee$895
          Net annual value$592
          Capital One VentureOne Rewards Credit Card
          11

          Capital One VentureOne Rewards Credit Card

          Capital One

          1.25x Venture Miles on Gap
          1.25x × 1.9¢/pt = 2.3¢ per dollar

          Why this card

            No annual fee

            MASTERCARD
            2.3¢
            per dollar on gap
            No annual fee
            Annual rewards$138.75
            Net annual value$138.75
            Wells Fargo Active Cash Card
            12

            Wells Fargo Active Cash Card

            Wells Fargo

            2% cash back on Gap
            Up to 3.2¢/$ (1.6¢/pt)via Choice Privileges

            Why this card

            1. 1.Up to 1.6¢/pt via Choice Privileges

            No annual fee

            VISA
            2.0¢
            per dollar on gap
            No annual fee
            Annual rewards$120
            Net annual value$120
            13

            One Key+ Card

            Wells Fargo

            2% cash back on Gap
            MASTERCARD
            2.0¢
            per dollar on gap
            $99/yr
            Annual rewards$120
            − Annual fee$99
            Net annual value$21
            Chase Sapphire Preferred Card
            14

            Chase Sapphire Preferred Card

            Chase

            1x Ultimate Rewards on Gap
            1x × 1.8¢/pt = 1.8¢ per dollar

            Why this card

              $134 in credits fully offsets the $95 fee

              VISA
              1.8¢
              per dollar on gap
              $95/yr($134 in credits)
              Annual rewards$108
              + Credits$134
              − Annual fee$95
              Net annual value$147
              U.S. Bank Smartly Visa Signature Card
              15

              U.S. Bank Smartly Visa Signature Card

              Usbank

              2% cash back on Gap

              Why this card

                No annual fee

                VISA
                2.0¢
                per dollar on gap
                No annual fee
                Annual rewards$120
                Net annual value$120
                16

                TD Double Up Credit Card

                Td Bank

                2% cash back on Gap

                Why this card

                  No annual fee

                  VISA
                  2.0¢
                  per dollar on gap
                  No annual fee
                  Annual rewards$120
                  Net annual value$120
                  Synchrony Premier Mastercard
                  17

                  Synchrony Premier Mastercard

                  Synchrony

                  2% cash back on Gap

                  Why this card

                    No annual fee

                    MASTERCARD
                    2.0¢
                    per dollar on gap
                    No annual fee
                    Annual rewards$120
                    Net annual value$120
                    Fidelity Rewards Visa Signature Card
                    18

                    Fidelity Rewards Visa Signature Card

                    Elan Financial

                    2% cash back on Gap

                    Why this card

                      No annual fee

                      VISA
                      2.0¢
                      per dollar on gap
                      No annual fee
                      Annual rewards$120
                      Net annual value$120
                      Bilt Blue Card
                      19

                      Bilt Blue Card

                      Cardless

                      1x Bilt Rewards on Gap
                      1x × 2.2¢/pt = 2.2¢ per dollar

                      Why this card

                        No annual fee

                        MASTERCARD
                        2.2¢
                        per dollar on gap
                        No annual fee
                        Annual rewards$132.00
                        Net annual value$132.00
                        Bilt Obsidian Card
                        20

                        Bilt Obsidian Card

                        Cardless

                        1x Bilt Rewards on Gap
                        1x × 2.2¢/pt = 2.2¢ per dollar

                        Why this card

                          $20 in credits offset the $95 fee

                          MASTERCARD
                          2.2¢
                          per dollar on gap
                          $95/yr($20 in credits)
                          Annual rewards$132.00
                          + Credits$20
                          − Annual fee$95
                          Net annual value$57.00
                          Rakuten American Express Card
                          21

                          Rakuten American Express Card

                          First Electronic Bank

                          1% cash back on Gap

                          Convertible Cash Back — 1.0–2.0¢/$

                          This card's 1% cash back can be redeemed as cash (1.0¢/$) or converted to Amex Membership Rewards (2.0¢/$) or Bilt Rewards (1.7¢/$).

                          Why this card

                          1. 1.Cash back converts at 1.6¢ avg — 1.6× cash value

                          No annual fee

                          AMEXConvertible
                          1.0–2.0¢
                          per dollar on gap
                          depending on redemption
                          No annual fee
                          Annual rewards$94
                          Net annual value$94
                          Chase Sapphire Reserve
                          22

                          Chase Sapphire Reserve

                          Chase

                          1x Ultimate Rewards on Gap
                          1x × 1.8¢/pt = 1.8¢ per dollar

                          Why this card

                            $960 in credits fully offsets the $795 fee

                            VISA
                            1.8¢
                            per dollar on gap
                            $795/yr($960 in credits)
                            Annual rewards$108
                            + Credits$960
                            − Annual fee$795
                            Net annual value$273
                            Citi Double Cash Card
                            23

                            Citi Double Cash Card

                            Citi

                            2% cash back on Gap

                            Why this card

                              No annual fee

                              MASTERCARD
                              2.0¢
                              per dollar on gap
                              No annual fee
                              Annual rewards$120
                              Net annual value$120
                              24

                              SoFi Credit Card

                              Sofi

                              2% cash back on Gap

                              Why this card

                                No annual fee

                                MASTERCARD
                                2.0¢
                                per dollar on gap
                                No annual fee
                                Annual rewards$120
                                Net annual value$120
                                BJ's One+™ Mastercard®
                                25

                                BJ's One+™ Mastercard®

                                Capital One

                                2% cash back on Gap

                                Why this card

                                  No annual fee

                                  MASTERCARD
                                  2.0¢
                                  per dollar on gap
                                  No annual fee
                                  Annual rewards$120
                                  Net annual value$120
                                  Bank of America® Unlimited Cash Rewards Secured
                                  26

                                  Bank of America® Unlimited Cash Rewards Secured

                                  Bank Of America

                                  1.5% cash back on Gap

                                  Why this card

                                  1. 1.1.5% cash back on gap ($90/yr on $6,000 spend)

                                  No annual fee

                                  VISACore Rate
                                  1.5¢
                                  per dollar on gap
                                  No annual fee
                                  Annual rewards$90
                                  Net annual value$90
                                  Navy Federal Visa cashRewards Card
                                  27

                                  Navy Federal Visa cashRewards Card

                                  Navy Federal

                                  1.5% cash back on Gap

                                  Why this card

                                    No annual fee

                                    VISA
                                    1.5¢
                                    per dollar on gap
                                    No annual fee
                                    Annual rewards$90
                                    Net annual value$90
                                    Bank of America Unlimited Cash Rewards Credit Card
                                    28

                                    Bank of America Unlimited Cash Rewards Credit Card

                                    Bank Of America

                                    1.5% cash back on Gap

                                    Why this card

                                      No annual fee

                                      VISA
                                      1.5¢
                                      per dollar on gap
                                      No annual fee
                                      Annual rewards$90
                                      Net annual value$90
                                      Discover it® Miles
                                      29

                                      Discover it® Miles

                                      Discover

                                      1.5x Cashback on Gap
                                      1.5x × 1.0¢/pt = 1.5¢ per dollar

                                      Why this card

                                        No annual fee

                                        DISCOVER
                                        1.5¢
                                        per dollar on gap
                                        No annual fee
                                        Annual rewards$90
                                        Net annual value$90
                                        Capital One QuicksilverOne Cash Rewards Credit Card
                                        30

                                        Capital One QuicksilverOne Cash Rewards Credit Card

                                        Capital One

                                        1.5% cash back on Gap
                                        MASTERCARD
                                        1.5¢
                                        per dollar on gap
                                        $39/yr
                                        Annual rewards$90
                                        − Annual fee$39
                                        Net annual value$51